In all types of auto insurance , the largest proportion of the former owners of the insured five insurance , third party liability insurance , respectively , excluding special insurance deductible , loss of vehicle insurance , vehicle liability insurance and the whole car pilfer . Among them, 97.5% of users will have a car insurance third party liability insurance , says simply , third party liability insurance claims range is in addition to your own car and all persons on board , the other losses are within the scope of claims . Including pedestrians , other vehicles on the road as well as a variety of property. This part of the compensation is car damage , scratches, insurance, etc. can only own vehicle insurance claims can not be replaced , so extremely important !
   According to the   Throttle Body  Kero noted , vehicle insurance risks in modern society deal with a very important tool, is the transfer of risks in one of the most important and most effective way to technology, but also an indispensable means of economic compensation . In recent years , automotive and gradually into the household , auto insurance claims there have been some problems , heart left to the owners ' insurance claims easier difficult " shadow. In fact , claims have the skills , do more homework if beforehand , then claims it will be smoother and a lot easier. Because the resulting claims is difficult for many reasons , very few insurance companies to remove the factors , consumers do not understand the knowledge of insurance claims is also very important for a reason.
       60.5% of users in the purchase of auto insurance coverage will not read the claims process terms , only 39.5% of the owners said they would carefully read the claims provisions. Vehicle to better access to claims, must be clear vehicle insurance claims process , knowing how auto insurance claims, and claims the key lies in how auto insurance claims car primarily to have a certain understanding , only built on the basis of this understanding of communication is effective , is you can really make the claims be resolved . Claims is very important not only for the owners of the auto insurance company is also equally important. This is , after all, the economic interests of the parties involved , but also issues related to auto insurance company's reputation .
Some owners believe that as long as a vehicle collision , you can get an insurance company , eager motorists rushed after the collision repair shop , this idea is wrong. If you do not know how car insurance claims process , without using the first repair the damage after this practice , the insurance company will lack objectivity accident damage survey process . Therefore , the owner must wait staff survey the scene to assess the damage and produce authoritative documents to assess the damage , then left the scene , so as to obtain a smooth claims . Be sure to repair the damage before the insurance company to confirm the vehicle before the loss , the insurance companies themselves do not know will be repaired . Insurance contracts are generally agreed upon , because the insurance accident damage to the insured vehicle , should try to fix . Repairs before the insured shall, jointly with the insurer examination consultation repair projects , methods and costs , otherwise , the insurer is entitled to re- approved ; unable to re-approved , the insurer has the right to refuse compensation.

Many owners seeking accident insurance claims process, often because of unfamiliar handling process and give yourself a lot of trouble . Accident insurance claims process can generally be divided into: a report , survey , to assess the damage and core prices, submit documents and other four main parts , in addition to conventional external , the owner should also understand some of the details of the problem . "First of all , insurance claims suggested by me in person , if you do need an agent when the agent claims matters , try not to ID card to another person , but to pay attention to automobile repair process to ensure the quality of repairs ." Provincial Insurance Industry Association said . Secondly , the engine after wading damage compensation should be noted that because of the water after wading or engine start engine damage caused by caustic danger is not within the scope of compensation , consumers can insure "engine wading loss insurance " to get appropriate compensation. Third, as vehicle maintenance costs and personnel disability compensation standards continue to improve , low amount of compensation has been unable to meet demand , advised consumers to buy insurance amounted to more than 30 million commercial third party liability insurance , so that in the event of an accident only able to obtain a more adequate protection .
       According to the   Throttle Body  Kero noted , there are 62.6% of the owners that tire is lost , and 60.7% of the owners that crashed to their own side is if you can pay for . The so-called first person , second person refers to the insurer , the insured person ( the driver as if the insured person ) , in addition to these people outside , are considered third parties. In insurance terms , you will be insured or the driver's family members out of the "third party" outside the scope . If you apply on hit , the insurance company considered disclaimer . Similarly, by the same unit under the name of vehicle collision can not be compensated through third party liability insurance .