Traffic accident claims settlement techniques and methods: Claims settlement refers to the handling of claims made by the insured to the insured after the insured accident occurs.

After the insured suffers a disaster, he or she should immediately submit a claim application to the insurer or through a claims agent, review all documents submitted according to the provisions of the insurance policy, find out whether the cause of the loss is covered by the insurance, estimate the extent of the loss, and determine compensation.

Amount, final payment to close the case.

So, below I will share with you the skills and methods of traffic accident compensation. You are welcome to read and browse.

1. What are the tips for settling traffic accident claims? 1. Parts replacement requires negotiation. In fact, insurance companies also have difficulties.

Auto insurance clauses stipulate that insurance companies must follow the principle of claim recovery, that is, when auto parts are damaged in an accident, insurance companies should repair them first and then replace them.

However, the insurance company must ensure that the car can reach a safe driving condition after repairs before it can be returned to the owner.

However, car owners feel that replacing new parts is more reassuring than repairing, because car owners hope that the car can be repaired in the most comprehensive manner to ensure that the car's safety factor reaches the highest value.

Disputes over car repair methods are quite common claims disputes.

The root cause is that the insurance company's car repair standards are not consistent with the car owner's willingness to repair the car.

It is better for both parties to negotiate a solution. After all, the car owner's request for the car to be fully repaired is reasonable and reasonable, and the insurance company strictly abides by the terms. Both parties are reasonable.

2. The amount of compensation must be calculated in detail. The compensation calculation must be deducted according to the different deductible rates established by the difference in accident liability; there are also specific claims for specific accidents, usually the car is in multiple accidents, non-agreed driver accidents and no third party can be found

There is an independent deductible rate for accidents.

Therefore, claims are by no means always paid in full.

At the same time, for the same parts, some repair shops charge higher prices, while others charge lower prices, which will affect the specific vehicle repair costs in the claim list.

The insurance company will calculate the loss amount based on the average market repair cost. If the car owner finds that the insurance company's claim settlement price for some repair items is lower than the actual repair price, it will easily lead to claims disputes.

However, it is the car owner's personal behavior to choose a repair shop on his own, and he must not hastily impose higher-than-average repair prices on insurance companies.

Therefore, claims experts suggest that insurance companies can explain to car owners in advance how claims are calculated, which should avoid many claims disputes.

After all, it is better to inform the insurance company in advance than to explain afterward.

3. Don’t omit anything from the damage list. The insurance company’s claim basis should be the amount of the loss order, because the repair price on the loss order is the repair cost that the insurance company needs to pay if the car is completely repaired.

Unless a new component failure is discovered during car maintenance and the damage needs to be reassessed, the repair price in the loss order will serve as the basis for the insurance company to pay the car owner a claim.

The cost of repairing the car without authorization by the car owner must not be equated to the cost of damage assessment. After all, the repair prices of each repair shop are different, and the car owner’s choice of repair shop is a personal behavior of the car owner. The car owner should bear the cost of repairing the car alone, which is higher than the average market price.

Car repair costs.

Car owners repair the car first and then assess the damage. Since insurance companies lack objective and detailed accident investigation and damage assessment, they can only settle claims based on the average market price of such vehicle repair items, avoiding a small number of people who deliberately exaggerate accident losses and obtain illegal profits.

Therefore, car owners must wait patiently for the loss assessor to inspect the scene and present authoritative loss assessment documents, and the claim settlement process will naturally proceed smoothly.

4. Protecting the scene is key. Sometimes after a two-car collision, some car owners are worried about traffic jams. Without indicating the conditions of the accident scene, they drive the car away from the scene and then discuss the responsibility for the accident.

If the amount of damage caused by the accident is large and there are no real traces of the accident scene, it will be difficult for even the traffic police department to objectively judge the car owner's liability for the accident.

Therefore, if the car owner wants to settle the claim smoothly, he should not rush to drive away from the scene. He should first use chalk to mark the position of the tires of the two vehicles at the accident scene, or use a camera to take photos of the accident.

In this way, road traffic will not be congested, and car owners’ claims will be well-founded.

Comprehensive and true photos of the accident scene are extremely important.

Sometimes the car owner drives away from the scene at will, and the insurance company mistakenly believes that the car owner has escaped; it is even unclear whether some damaged car parts were damaged due to the collision.

When the insurance company believes that certain parts are due to natural aging, but the car owner insists on replacing the claim, claims disputes naturally arise.

2. Who bears the medical expenses in the event of a traffic accident? According to regulations, if a vehicle causes a traffic accident and escapes, the rescue fee shall be partially or fully advanced by the Road Traffic Accident Social Assistance Fund.