Do you know about mutual compensation?

Under some special conditions of automobile insurance claims

You can compensate yourself by touching each other

It's not a fake scene

It's not illegal. It's not illegal

It can make trouble easy in a moment

Let's understand the applicable conditions

Since February 1, 2009, the system of "mutual collision and self compensation" has been implemented throughout the country. Mutual collision and self compensation means that all parties are responsible for the accident. The vehicle losses of all parties are within 2000 yuan of the compensation limit for the responsible property loss of the compulsory traffic insurance. For traffic accidents that do not involve personal injury and property loss outside the vehicle, the respective insurance companies can directly survey, assess and compensate the vehicles.

First, what are the conditions for mutual collision and self compensation?

1. Multi vehicle collision: when two or more vehicles collide with each other, single vehicle accident is not applicable to the self compensation mechanism of collision;

2. Compulsory insurance: all parties to the accident have compulsory insurance (not yet due). Compulsory traffic insurance is only divided into liability or no liability, and claims shall be handled from compulsory traffic insurance;

3. Only vehicle damage: the accident only leads to vehicle loss of all parties, without casualties and property loss outside the vehicle;

4. No more than 2000: no more than 2000 yuan for each vehicle;

5. All have responsibilities: the traffic police's ruling or the parties to the accident determine by themselves that all parties have responsibilities (equal or primary and secondary responsibilities);

6. All parties agree that: all parties to the accident agree to adopt "mutual collision and self compensation", or the traffic police has carried out rapid handling of traffic accidents, and can issue a simple accident liability identification after relevant regulations.

Second: what materials are needed for mutual collision and self compensation?

1. Loss order: the maintenance cost is less than 2000 yuan. If it exceeds this range, you need to pay for it by yourself;

2. Responsibility confirmation, mediation or negotiation agreement: This is a way to determine responsibility. Only when there are responsibilities can this be done, it is a fair way;

3. Original repair invoice;

4. Driving license, driving license, photocopy, or image data;

5. About the loan car: some insurance companies may need a letter of authorization issued by the financial company.

Third: precautions for mutual collision and self compensation

1. After reporting the case, follow the guidance of the insurance company's seat and the on-site claims adjuster, and do not blindly follow the wrong guidance of the non professional personnel, resulting in complicated subsequent claims settlement.

2. Since the introduction of the reform policy, it has further increased the impact on the premium after the accident. For some small amount of accidents, it is better to deal with them through private consultation.

3. Don't fake the scene or fake the accident to get the insurance money without permission or following the 'friends' of the garage. If it is investigated, it will have a great impact on the credit record, and it will not pay off.

Add:

Since the second half of 2015, some cities have tried to increase the compensation amount of "vehicle collision and self compensation" to 5000 yuan, solving more multi vehicle accidents.