1, report the case. Report the case to the insurance company, conduct an investigation, and solidify the on-site evidence. Report the traffic accident to the insurance company as soon as possible, and the insurance company will arrange the surveyor to go to the scene for investigation. If the loss is small, an accident liability negotiation can be signed after the survey to solidify the liability ratio. If the loss is large, you need to call the traffic police 122, and wait for the traffic police to issue the accident responsibility certificate.
2. Fixed loss. After solidifying the on-site evidence and clarifying the responsibility, you can leave the site and wait for free time to repair in the repair shop. After arriving at the repair shop, you need to inform the insurance company to go to the store to determine the damage. The insurance company will work with the repair shop to determine the size of the loss and negotiate the amount of compensation, and issue a loss list.
3. Pick up the car. After the repair, you can make an appointment with the repair shop to pick up the car, you can pay for it yourself or let the insurance company pay the money directly to the repair shop. You need to pay the maintenance invoice of the repair shop yourself.
4. claim. If the insurance company needs to pay in advance, it should provide the insurance company with a copy of ID card, driver's license and compulsory insurance policy, and the insurance company can leave after showing the notice to the repair shop. If you pay the maintenance fee yourself, you need to hand over the maintenance invoice and loss list to the full-responsible party on the basis of the above materials, so that the full-responsible party can compensate you for the money, and then the full-responsible party can claim compensation from his insurance company.
After the other party pays you the compensation, the process is over. If the other party doesn't cooperate with you to lose money, you can apply for subrogation in your insurance company.
Extended data:
After a traffic accident, first of all, double flashes should be lit, and a danger warning sign should be set behind the car to prevent the car behind from rear-end collision and expand losses.
Before the insurance company or traffic police arrive at the scene, if you need to move the vehicle, you must take photos of the scene of the accident and keep the evidence. You can't leave the scene on your own. Those who leave the scene without reporting the case belong to the insurance company's refusal to pay compensation.
The responsibility for the accident must be written, so don't take responsibility, so as to avoid subsequent disputes, otherwise the insurance company will find that taking responsibility will lead to the risk of refusing to pay compensation.
When someone is injured, you need to call for help immediately. Don't move the injured person unless the injured person is in danger (such as fire or toxic substances leaking), because your movement may cause more harm.
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