In the event of a traffic accident, if both parties bear equal responsibilities, how to compensate the vehicle repair fee (i.e. vehicle damage) shall be handled according to the specific amount of vehicle damage:
1. If the vehicle damage is less than 2,000 yuan, the insurance company of the other vehicle will pay in full within the scope of compulsory insurance.
2. If the vehicle is damaged more than 2,000 yuan, the other vehicle will compensate 50% of the excess, and the remaining 50% of the vehicle damage will be borne by itself (if the damaged vehicle is insured with traffic accident vehicle loss insurance, the insurance company can make claims within the insured limit). )
Claim procedure:
First, report the case:
1, after the accident, keep the scene of the accident and report it to the insurance company to which the vehicle belongs immediately;
2. If the third party loses road facilities or the third party loses vehicles, it shall report to the traffic police department;
Second, the scene processing:
1, the insurance company personnel arrived at the scene and issued a survey report.
2, the traffic police department arrived at the scene, and the scene issued an accident certificate.
Third, the third party maintenance:
1. If the third party is not a motor vehicle, it is best to ask the personnel of the insurance company to directly reach the nuclear loss price recognized by the third party (the third party, the insurance company and the owner) during the on-site treatment. If it is impossible to verify the loss on the spot, the insurance company shall be required to give the nuclear loss price when verifying the loss of the third party or during the verification process.
2, if the third party is a motor vehicle, it should be divided into the following two situations:
First, if the third party agrees to go with the owner to the repair shop chosen by the owner, there is no need to pay the third party any cash on the spot.
Secondly, if a third party requests to repair the vehicle in a repair shop of its own choosing, that is, when the third party will repair the vehicle with the owner in a different repair shop, the third party can ask the owner to pay part of the repair cost at the scene of the accident, or call it a deposit or security deposit.
Four, vehicle damage repair:
1. Send the damaged vehicle to the damage assessment center, and notify the insurance company for damage assessment;
2, the repair shop repairs the car;
3. The owner picks up the car.
Verb (abbreviation for verb) Submit claim documents:
Claim: Collect claim information and submit it to the insurance company for claim settlement.
VI. Loss adjustment:
After receiving the complete claim documents, the insurance company will make adjustments and finally determine the final payment amount.
Seven. Remuneration:
The financial personnel of the insurance company will transfer the compensation to the account designated by the owner according to the amount calculated by the adjuster.