[Knowledge] car owners home the Spring Festival holiday, many owners have opted for self-driving or traveling by car to return home, although travel by car is more convenient, but it will inevitably encounter some traffic accidents. According to previous instances of view, during the Spring Festival off-site auto insurance report to the insurance companies have increased. So, faced with the owner of the dangerous condition of the off-site how to deal with it?

1, occupants quickly evacuated

After the accident, the first car is open double flash to remind the rear of the vehicle avoidance. While the occupants evacuated to safe areas, depending on the security situation after the completion of the transfer to be placed inside the vehicle warning triangle behind the vehicle. If someone is injured, the police immediately. Drive to keep in mind that the safety of the occupants is always first.

2, the camera retains scene evidence

If there were no casualties, then later resettled people as possible throughout the whole of the accident scene captured photos or video information into evidence with a camera or cell phone. The vehicle direction, the direction of the road, the collision point, leaving India on the road brakes, as well as road signs, driver features, etc. should be left full of information as possible.

3, reported to the insurance company/Compounding

After the remote danger, according to the severity of the accident the owner can choose insurance policies in case of certainty or "compounding." If a major accident or casualties, it must do, "compounding", so as to avoid the accident loss estimates are not allowed to lead to future trouble.

If it is reported that the insurance, the insurance company will be subject to severe, choose to send personnel to the scene to assess the damage branch to assess the damage, or the owner of the policy back to the location to assess the damage. Need to be reminded that the selection will damage the way back to the policy, the report must be prior consent of the insurance company, or is likely to be regarded insurance company to report missed deadline deal. In addition, not all accidents can be taken to assess the damage this way, if the accident or the loss of large casualties occurred, the vehicle must complete the survey locally.

If a small amount of accident claims, just scraping a lesser extent, the owner is optionally select "Compounding", after all claims records will increase the cost of next year's renewal. So, a slight rub touch, owners can choose compounding.

4, collect data

A lot of friends in different places dangerous condition, usually because of a business trip, that will only stay for some time. So, after the division of responsibility for the accident and the damage, before leaving the vehicle to try to get comprehensive information related to the accident itself proof, such as accident proof, proof of loss and related materials, and take the initiative to the insurance company staff counseling and follow-up considerations point of contact time and contact information.

5, repair/continue driving

Until after the insurance company to assess the damage million and the owner can depending on the severity of the accident, repair or select location and then back to the policy at the local garage. If you are in an accident local service, attention to maintenance in the insurance company to assess the damage confirming the items and prices, get the damage reports of insurance companies. Because if the actual repair costs exceed the insurance company recognized a loss, then this part of the cost borne by the owners themselves. Therefore, when the field of maintenance, the unfamiliar, the best choice insurance company recommended repair.

6, claims

Consistent with the claims process in the local escape from danger, and then back seat of the policy, the insurance company owners need to provide: motor vehicle insurance claim application form; accident relevant evidence, such as traffic accident Confirmation, etc.; fixed-loss accident vehicle; vehicle maintenance and invoice rescue fee invoices; driver's driving license; accident vehicle driving permit; the insured ID card.

If the accident involved casualties, they also need to provide insurance companies: accident Confirmation, mediation, financial compensation vouchers; casualties proof of identity, proof of diagnosis, effective collection of payments for medical expenses, medical expenses and the corresponding list of costs (or prescriptions), lost income proof, proof of income reduction, care proof.

After the material submitted, to be paid within 15 working days carried out by a full working day at the material circumstances in accordance with the magnitude of the loss amount.

Summary: Although an accident will let everyone go home feeling unhappy, I hope before traveling to know more about the process flow, and determine whether their own insurance within the validity period, car owners is the key to safe driving last reminder.