How to deal with truck accident insurance, truck insurance compensation process

Relevant knowledge of the types of commercial insurance for freight cars vehicle loss insurance this type of insurance is a type of insurance for which the insurance company compensates for the loss of the vehicle itself, however, this type of insurance includes the vehicle glass and the loss caused by the vehicle parking, and the vehicle damage insurance is based on the proportion of the accident. The commercial insurance for freight cars mainly includes five types of insurance: damage insurance for freight cars, liability insurance for third parties of freight cars, liability insurance for personnel on freight cars, liability insurance for personnel on freight cars, and insurance against theft and emergency of freight cars and non-deductible insurance for freight cars, car owners can choose the most suitable for their own insurance according to their actual situation.

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Due to the truck driver is a high-risk industry, in addition to the necessary traffic Insurance, truck owners will generally also be insured part of the truck commercial insurance. Next, the small series will share with you the relevant knowledge of the types of commercial insurance for trucks

1. Vehicle damage insurance for freight cars

This type of insurance is for the loss of the vehicle itself, and the insurance company compensates for the insurance, but this type of insurance includes the vehicle glass and the loss caused by the vehicle parking, vehicle damage insurance is in accordance with the proportion of the accident liability compensation.

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2. Truck third party liability insurance

The scope of compensation of this type of insurance is consistent with that of the compulsory insurance, but the amount of compensation is far greater than that of the compulsory insurance, which is a powerful supplement to the national compulsory insurance, as with the truck vehicle loss insurance is in accordance with the accident liability for compensation of insurance.

3. Personnel liability insurance on truck

The scope of compensation for this type of insurance is the same as its literal meaning. It is the type of insurance that compensates for the personal and property injuries of the personnel inside the truck when the truck is at risk, the insurance premium of the personnel liability insurance on the truck is determined by the amount of insurance selected by the owner. The higher the amount of insurance, the higher the premium, the lower the premium at the end of the month.

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4. Truck theft and emergency rescue

It refers to the loss caused by the theft of the vehicle and the vehicle damage caused by the theft of the vehicle, and the insurance company compensates according to the insurance contract, the premium of this type of insurance is determined according to the purchase price and depreciation price of the vehicle. This type of insurance is more suitable for truck drivers who are in the field and have no fixed parking place.

5. Freight cars are not subject to deductible insurance

This type of insurance is the best supplement to the above four types of insurance, among which the supplement to the truck vehicle loss insurance and the truck third party liability insurance is more intense, and when it is necessary to compensate according to the proportion of liability for the accident, if the purchase of the truck without liability insurance, can be exempted from a part of the proportion of accident liability.

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The commercial insurance for freight cars mainly includes five types of insurance: damage insurance for freight cars, liability insurance for third parties of freight cars, liability insurance for personnel on freight cars, liability insurance for personnel on freight cars, and insurance against theft and emergency of freight cars and non-deductible insurance for freight cars, car owners can choose the most suitable for their own insurance according to their actual situation.

With the rise of express delivery and e-commerce industry, the logistics industry has developed rapidly. We can often see the truck driving on the street, the truck compared to the car, the probability of an accident is relatively large. Truck accidents are traffic accidents, and claims should be handled according to the traffic accident reporting process. So, what is the settlement process of the truck accident insurance? Let’s learn more about it.

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1. Vehicle risk and report

Timely report to the insurance company and the traffic management department, and inform the insurance company of the location of the damaged vehicle, in order to investigate and determine the damage to the vehicle.

2. Obtained the certificate from the traffic police

Show the driving license, driver’s license, identity card, the traffic police to fill in the traffic accident confirmation.

3. Fill out the insurance form

The driver’s license, driver’s license, identity card and insurance documents shall be presented, and the on-site investigation and preliminary damage determination shall be completed. The claims documents shall be signed and checked, and the notice of motor vehicle insurance out of danger/claim shall be filled out, and both parties shall sign for confirmation.

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4. Review and determination of loss by the claimant

After the accident is confirmed, the vehicles of all parties shall immediately go to the on-site fixed loss point of the vehicle insurance claim service point to determine the loss, and fill in the vehicle damage Project confirmation form for motor vehicle insurance accident.

5, sent to the repair factory for repair

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6. The insurance company shall pay the case after review

After the repair of the vehicle and the settlement of the accident, the information required for the processing of the insurance claim:

(1) the motor vehicle insurance policy and the original copy of the batch;

(2) motor vehicle insurance out of risk/claim notice;

(3) a copy of the relevant driving license, driver’s license and identity card;(4) The original of the relevant compensation receipt, auto repair invoice, etc.;(5) The road traffic accident liability certificate.

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With the complexity of traffic conditions, traffic accidents are inevitable. What we can do is to minimize the occurrence of accidents, especially for the truck, it is more necessary to be vigilant in the daily driving process, to avoid the accident. At the same time, we also need to pay attention to the comprehensive plan of insurance, for their own travel, even if the accident can be easily handled.

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