Once an insurance accident occurs, you should report it to the insurance company within 48 hours.
Within three days after the normal case is determined, the claim procedure can be carried out.
After you provide complete claim information, the insurance company will determine the claim limit according to the loss amount, and the small case will be paid on the same day, and the longest time will not exceed 45 days. The longest retrospective period of compensation cases is 2 years. If there is no claim within 2 years, the compensation case will automatically become invalid.
Extended data:
Insurance claim settlement refers to the behavior of the insurance company to perform the compensation or payment responsibility according to the contract when the property or personal life of the insured is damaged due to an insurance accident, or when other insurance accidents agreed in the policy require payment of insurance money, which directly embodies the insurance function and fulfills the insurance responsibility.
To put it simply, insurance claim settlement is the behavior of the insurer to deal with the claim made by the insured after the risk accident of the subject matter insured occurs. In insurance management, insurance claim settlement is the concrete embodiment of insurance compensation function.
Articles 22 and 23 of the Insurance Law stipulate that after an insurance accident occurs, when claiming compensation or paying insurance money from the insurer in accordance with the insurance contract, the applicant, the insured or the beneficiary shall provide the insurer with the certificates and materials they can provide to confirm the nature, causes and loss degree of the insurance claim accident.
In accordance with the provisions of the insurance contract, the insurer shall notify the applicant, the insured or the beneficiary to supplement the relevant certificates and materials if it considers that the relevant certificates and materials are incomplete.
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Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.