How to pay for traffic accident insurance: Analysis of hot spots on the Internet in the past 10 days
Recently, the issue of traffic accident insurance claims has once again become a hot topic on the Internet. As the number of private cars continues to grow, traffic accidents occur frequently, and insurance claim disputes also increase. This article will combine the popular discussions on the Internet in the past 10 days to provide a structured analysis of the entire process of traffic accident insurance claims.
1. Core data of traffic accident insurance claims
| project | data | source |
|---|---|---|
| Average daily traffic accident reports | Starting from 23,000 | Traffic Management Bureau August report |
| Proportion of insurance claims disputes | 37% | Insurance Industry Association |
| Car owners’ satisfaction with claims process | 62 points (100 points) | Third-party research agency |
| Average claims settlement time | 5-15 working days | Mainstream insurance company data |
2. Analysis of the entire process of traffic accident claims
1. Accident scene handling
(1) Immediately call the police and protect the scene
(2) Take at least 5 panoramic and detailed photos of the accident
(3) Exchange the other party’s driver’s license and driving license information
2. Key points for insurance reporting
| Reporting channels | Timeliness requirements | Necessary materials |
|---|---|---|
| Insurance company APP | Within 48 hours | Accident photos, ID photos |
| Customer service phone number | Within 24 hours (major accident) | Traffic Police Responsibility Certificate |
3. Handling disputes over loss determination
Recent hot controversies focus on:
(1) Reasonability of maintenance projects (35% of disputes)
(2) Accessory price disputes (28% disputes)
(3) Calculation of depreciation charges (22% disputed)
3. New changes in claims settlement in 2023
1.Electronic claims settlement: 90% of insurance companies have achieved paperless processing
2.Pay compensation in advance: 7 insurance companies piloted 24-hour payment for small accidents
3.Exclusive terms for new energy vehicles:Battery damage is included in the coverage
| insurance company | Special services | Time limit for arrival |
|---|---|---|
| Ping An Auto Insurance | AI loss assessment | 30 minutes at the fastest |
| PICC auto insurance | Full agency | Within 3 working days |
4. 5 suggestions to avoid claims disputes
1. The driving recorder video is saved for at least 30 days.
2. Keep the original medical bills in a safe place
3. Never sign a compensation agreement haphazardly
4. If you have any objection to the damage assessment result, you can apply for reconsideration.
5. It is recommended to consult a professional lawyer for major accidents
5. Guidelines for handling special situations
| situation | Processing method | Things to note |
|---|---|---|
| The other party escapes | Call the police immediately and report insurance | Need to obtain a traffic police certificate of unsolved crimes |
| multi-party accident | Share according to proportion of responsibility | Traffic police need to clearly divide responsibilities |
Recent "subrogation" cases hotly discussed among netizens show that when the other party refuses to compensate, 41% of car owners do not know that they can apply for advance payment from their insurance company. It is recommended that car owners understand the insurance terms in detail and protect their rights through the 12378 insurance consumer hotline when necessary.
The statistical period of the data in this article: August 10 to August 20, 2023, comprehensive analysis of hot topics on Weibo, Douyin, Toutiao and other platforms. The actual claims policy shall be subject to the insurance contract. It is recommended to communicate with the insurance company in time for confirmation after the accident.
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