How to apply for insurance for minor accidents: hot topics and structured guide on the Internet in the past 10 days
Recently, traffic accident handling and insurance claims settlement have become hot topics on the Internet. As the number of private cars continues to grow and minor car accidents occur frequently, how to apply for insurance efficiently has become the focus of car owners. This article will provide you with a structured operation guide based on the hot spots across the entire network.
1. Statistics of hot topics on the entire network in the past 10 days
| Ranking | Topic keywords | Number of discussions (10,000) | Main platform |
|---|---|---|---|
| 1 | New energy car insurance claims | 28.6 | Weibo/Douyin |
| 2 | Non-responsible party claims process | 19.3 | Zhihu/Understanding Car Emperor |
| 3 | Quick claim amount | 15.8 | Today's headlines |
| 4 | Compulsory traffic insurance reform | 12.4 | Baidu Tieba |
2. Analysis of the whole process of minor accident insurance
1. Accident scene handling
(1) Immediately turn on the double flashing lights and place a triangle warning sign (50 meters on urban roads and 150 meters on highways)
(2) Take 5 elements of on-site photos:Panoramic photos, azimuth photos, collision points, license plate numbers, damaged parts
(3) New regulations in 2023: No need to call the police if the loss of a bicycle is ≤5,000 yuan
| Accident type | Situations where the police must be called |
|---|---|
| bicycle accident | There is damage to public facilities |
| two vehicle accident | The other party drove drunk/without a license |
2. Insurance reporting operations
(1)golden age: Reports are valid within 48 hours. If time exceeds, written explanation is required.
(2) Comparison of reporting channels:
| channel | response time | Advantages |
|---|---|---|
| APP self-service | within 10 minutes | Video evidence can be uploaded |
| Report a crime by phone | within 30 minutes | manual guidance |
3. Key points for loss determination and claim settlement
(1) The latest maintenance fee standards in 2023:
| parts | Average price of 4S store (yuan) | Average price of quick repair shop (yuan) |
|---|---|---|
| front bumper | 1200-1800 | 800-1200 |
| door sheet metal | 1500-2500 | 1000-1500 |
(2)special attention: Damage to new energy vehicle battery packs must be inspected by an agency designated by the manufacturer.
3. Answers to hot questions
Q1: Will not reporting the crime on site affect the compensation?
A: According to the insurance terms, failure to retain on-site photos may result in a deduction of up to 30% of the compensation.
Q2: What should I do if the other party takes full responsibility but refuses to cooperate?
A: You can apply for subrogation from an insurance company, and you need to provide:
- Traffic accident certificate
- Identity information of the other party
- Original maintenance invoice
4. Latest policy reminder
The "Automobile Insurance Claims Service Specifications" that will be implemented from July 2023 stipulates:
(1) Small claims under 5,000 yuan will be settled within 3 working days
(2) Cancel the mandatory requirement for original maintenance invoices (electronic invoices are valid)
(3) Promote nationwide general compensation, and there is no need to return to the insured place when an insurance occurs in another place
Conclusion:Properly handling minor accident claims can protect your rights and avoid premium increases. It is recommended that car owners regularly check the latest service policies of their insurance companies and save the reporting phone number in their mobile phone address book. When encountering a complex accident, be sure to verify the information through official channels and be wary of "claim scalper" scams.
check the details
check the details
en
