What is the principle of auto insurance claims?

A few days ago, Mr. Wang drove to the suburbs to play. When reversing, I accidentally hit a tree on the side of the road, causing the trunk lid of the car to be damaged. At that time, Mr. Wang did not call the insurance company to report the case in time, but planned to drive the car to the urban repair shop and inform the insurance company to determine the damage and repair it at the same time. Unexpectedly, Mr. Wang hit the guardrail on the roadside on his way back, causing damage to the right side of the car. According to the auto insurance clause, after the car suffers losses within the scope of insurance liability, it continues to be used without necessary repairs, resulting in no claim for loss expansion. But strangely, after Mr. Wang's car had two consecutive accidents, the insurance company successfully settled the claim. Why? I consulted an insurance lawyer about this.

Insurance lawyers said that after the "injured car" suffered a second auto insurance, whether the insurance company made claims for the second accident mainly depends on whether the first accident was enough to affect the safety performance of the car. If there is a direct causal relationship between the cause of the second accident and the damage of the first accident, that is, the car damaged in the first accident is already in an unsafe driving state, then the insurance company will not compensate for the losses suffered in the second accident when the car is damaged in the second accident. For example, if the car owner's first accident while driving causes the car's braking function to be damaged, and the braking is unstable or slow, then if the car continues to drive and causes a second accident, the insurance company will not pay for it.

On the contrary, if the performance of the car has not been negatively affected after the previous accident, which can prove that the car is stable and still in a safe driving state after the accident, then if the car is damaged after the second accident, if the insurance company determines that the second accident belongs to the insurance liability accident, it will still compensate the customer. This was the case with Mr. Wang, so he was compensated by the insurance company.

If the car is damaged in two accidents (not repaired in time), whether to claim compensation depends on the causal relationship between the two accidents. If there is a causal relationship between the two accidents, that is, the first accident is the direct cause of the second accident, then the insurance company is only responsible for compensating the losses caused by the first accident, and will not compensate the losses caused by the second accident.

In addition, if the car is hit twice in an accident, such as the driver mistakenly stepping on the brake as the accelerator, not only the car itself will be hit for the first time, but perhaps because the car is too impulsive, it will be bounced off by the car driving next to it, causing a second impact, which will cause damage to the same part of the car. In this case, the insurance company will verify the losses and claims according to an accident.

Auto insurance claim is a claim made by the owner to the insurance company after a traffic accident. The basic process of claim settlement includes: reporting the case, surveying and determining the loss, signing the claim settlement document, adjusting and rechecking, examining and approving, and closing the claim.

Claim principle

The work of auto insurance claims involves a wide range and the situation is more complicated. In the process of compensation, especially in the investigation of automobile accidents, we must put forward due requirements and adhere to certain principles.

(1) Establish the guiding ideology of serving the insured and adhere to the principle of seeking truth from facts.

(2) Respect contracts, keep promises and act according to law.

(3) resolutely implement the "eight-character" claim principle (4) pay attention to the evidential role of traffic accident liability determination.

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