After the purchase of car insurance, if the unfortunate occurrence of the development of traffic safety accidents, many car owners may exist on the enterprise how to effectively use the social insurance company for the relevant claims confused, especially when not clear about the specific claims management process, often encountered claims difficulties. So what is the PICC insurance process? In the following, we will analyse the six main steps to understand the PICC insurance process in detail.

Step 1: Vehicle accident and report to the police

Once an accident occurs, the first thing you need to do is to report it to the insurance company and the traffic management department, and at the same time notify the insurance company of the location of the damage to the vehicle, so that the vehicle can be inspected and the damage can be determined. Doing so on the one hand can let the insurance company know that the insured person has a traffic accident, car insurance on the other hand, you can also consult the insurance company on how to deal with the scene of the accident and the protection of the scene of the method, the insurance company will also guide the owner of the car from the other side of how to obtain proof of the accident and so on.

Step 2: Obtain a certificate issued by the relevant traffic police department

Vehicle owners need to show the vehicle licence, driving license and identity card, the scene of the traffic police will be based on the statements of the parties involved in the accident investigation, and to make the accident identification and liability classification. If there is no objection,車保 the traffic police will fill in the "Confirmation of Traffic Accident Liability" and the owner will sign to confirm.

Step 3: Fill in the Insurance Policy

Vehicle owners need to present the above three certificates and insurance documents, claims adjusters will sign the claim documents after completing the on-site investigation and preliminary damage assessment, and fill in the "Motor Vehicle Insurance Risk Notification Letter \\u002FClaim", signed by both parties to confirm.

Step 4: Claims adjuster to examine and approve the damage

After the accident is confirmed, all parties should immediately go to the car insurance claims service point on-site loss determination point to determine the damage, and fill out the "motor vehicle insurance accident damage confirmation form". If there is no dispute, both parties will sign to confirm, and then the claimant will issue a service order, specifying the repair items and repair time.

Step 5: Repair

If the vehicle owner chooses to manage the repairs at a garage recommended by the insurance company, he/she can hand over the claim materials to the garage after the repairs are done and provide the garage with an additional power of attorney to claim on behalf of the insurance company. After that, the vehicle owner only needs to pay for the part of the repair cost (e.g. the deductible as stipulated by the social insurance company) that he/she is responsible for, and then he/she can take the vehicle directly. If the vehicle owner chooses a garage that is not designated by the student, the vehicle owner will need to pay for the repairs first and then bring all the claim materials to the claims department of the insurance company to analyse the claim after the repair work has been completed.

Step 6: Review and Payment by Insurance Company

After the vehicle is repaired and the accident is handled, the vehicle owner needs to prepare the following insurance claim information.

(1) Original and photocopy of the original insurance policy and endorsement for the motor vehicle.

(B) Vehicle insurance claim notice.

(3) Copies of the relevant driving licence, driving licence and identity card.

(4) the original of the relevant claims for receipts, auto repair business invoices, etc.; and

(5) Certificate of Road Traffic Accident Liability.

After these six steps, car owners can more clearly understand the PICC risk commitment process, so that in the event of a traffic accident can effectively claim compensation to ensure the protection of their rights and interests.

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