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Damages and repairs can be carried out at the site of the incident
“Please report the case within 48 hours after the accident and notify the local traffic control department.†Almost all insurance companies have such requirements for off-site risks. “After the vehicle is out of danger, the car will pay attention to protecting the site. The insurance company will arrange the local branch to rush to the site to check the damage and assist the customer in handling the problem. The owner pays attention to the protection of the site and helps the relevant departments to determine the damage in a timely manner.†Huatai P&C insurance staff said.
How much of the number of insurance companies operating outlets will affect the time of rescue and damage? This reporter’s question was also satisfactorily answered in the interview. Most insurance companies stated that even if there are no outlets nearby, the owner can seek compensation for other damages by insurance companies and auto repair factories that have agreements with the insured company. PICC said that for the national level 2 or more repair shop, the damages are The company also recognizes.
If the vehicle is damaged due to an out-of-place situation and needs to be repaired, the owner can go to the designated maintenance point for repair according to the recommendations of the local insurance agency. At the same time, it is also possible to select maintenance points on its own, but the insurance company must be notified in time for it to come to a loss. Claims are usually paid to the owner within 10 working days. However, the claims for serious vehicle accidents must be approved by the leaders.
During the interview, the reporter also learned that the nationwide Tongding pass compensation business has been implemented in some insurance companies, and customers can directly set damages and receive claims.
Can be hauled without escalation
After the accident, many owners often choose to haul the vehicle back to their place of residence for maintenance. Although this does not violate the insurance company's regulations, most insurance companies still advocate local repairs during the incident. Moreover, most insurance companies do not advocate the use of private vehicles for hauling.
"The haul should be based on the premise of no expansion." Insurance companies said that hauling is a highly professional job. It requires not only the driver's professional driving skills, but also some professional protection. The hauling of a private vehicle can easily cause secondary damage. The insurance company will not pay for the accident loss caused by the hauling of the private vehicle. The insurance company recommends that the owner of the vehicle should wait patiently for the rescue vehicle or ask a nearby repair shop to send a professional vehicle for rescue.
Whether the towage charges are reimbursed or not, and how much reimbursement expenses are incurred, are slightly different among various insurance companies. For example, Pacific Insurance will determine whether or not to pay the haulage fees according to the amount of vehicle damages. If the vehicle damages cost is less than 20,000 yuan, the insurance company will not bear the trailer fees; if it exceeds 20,000 yuan, it shall bear a toll of 4 yuan per kilometer. China Allied Property Insurance Company stipulates that only the single trailer cost will be reimbursed. The trailer cost in Beijing is 8 yuan per kilometer and 3 yuan per kilometer in the field.
Rescue time is not clear
For car owners, the most troublesome thing after the accident is a long wait. Among the insurance companies that the reporter interviewed, no insurance company specified the rescue time. In this regard, the reason for the insurance company is that the situation in different regions is different and it cannot be unified. In the interview, the insurance companies generally complained about the complexity of the claims procedures and the long period for claiming claims. The insurance companies only stated that they will gradually improve with the improvement of the work in the future.
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Self-driving tour can not help but a car-pooling situation, experts suggest: "carpool race" in the event of a major accident leading to casualties, it will inevitably produce economic compensation disputes, in addition to pre-agreed responsibilities, the peer collective insurance, will reduce losses. There are two choices as follows:
Insured Personnel Liability Insurance
The on-board personnel liability insurance is one of the additional clauses of the auto insurance. It is responsible for compensating the actual loss of the occupant’s personal injury. The insurance amount needs to be a multiple of 10,000 yuan. To increase the additional insurance, you need to go to the insurance company for home.
Advantages: Does not specify a specific crew member. If the return crew member changes, no change is required.
Disadvantages: The same period as the auto insurance, can not be short-term insurance.
Insured against short-term accidental insurance
Recently, a number of insurance companies have introduced short-term accident insurance clauses for self-driving trips, which are more suitable for "carpooling families." For instance, PICC’s “self-driving and traveling distance†limits the maximum compensation for death and disability to 200,000 yuan, including 40,000 yuan in accident medical insurance, which covers inpatient medical expenses without compensation for disability and treatment of acute illnesses. The insurance period is free. Choose 7 days, 15 days, 30 days or 1 year. Taking 7 days as an example, the premium per person is 20 yuan, but the 100 yuan deductible for the claim must be borne by itself.
In addition, Ping An Insurance's accident insurance products and Taiping Life Insurance Beijing Branch's "China United Motor Union Auto accidental injury insurance" can also provide protection for driving.
Advantages: Cheap premiums and flexible insurance coverage.
Disadvantages: Staff changes need to be reinsured.
Special reminder: Before driving, be sure to carefully analyze the risks that may be encountered in the itinerary, and determine the types of insurance that should be purchased. When insuring automobile insurance, it is necessary to look at whether there are restrictions on the driving area in the insurance clauses. Special attention must also be paid to the insurance company’s service network and the ability to pay compensation in order to ensure that the vehicle can obtain the insurance company’s claims service in time. When traveling, be sure to bring the original insurance policy, the ID card of the insured person, the traveler, and the driver's license.
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