If you are hit by someone else while driving, the other party is fully responsible, and the money is not compensated, the insurance is not reported, and you are cheating, what should I do at this time? Rest assured, as long as you buy car damage insurance, there is no need to be too entangled with him, send the car to the 4S shop, assess the damage, repair the car, and then apply for subrogation, let the insurance company pay for the car repair, and the insurance company will collect the account with the other party, we will save time, worry and effort!
So how does it work? First of all, you must report the case to your insurance company and apply for subrogation, and then the insurance will ask you to provide some necessary information, such as the accident certificate, the 4S shop damage assessment order, the maintenance invoice, as well as the other party's ID card, driving license, driver's license photocopy, etc., you can also take pictures. Then these documents, we can take advantage of the accident on the spot, in front of the traffic police, to take a picture of it.
If you forgot to take the photo at that time due to various factors and could not provide three certificates**, it is generally enough to provide the other party's name, license plate number, and **insurance company. This information is also in the accident identification letter issued by the traffic police, and it is also in it if you look closely.
If the insurance company tells you that there is no three certificates and there is no way to subrogate the claim, you can directly ask the CBIRC to ask if you can recover it, and they will negotiate with the insurance company. After the insurance company agrees, a countersign is called a "subrogation assignment", which means that the right to account is transferred from us to the insurance company.
Some friends will have questions, if the subrogation is counted as an accident, will the premium ** next year not be cost-effective? In fact, as long as we are not responsible and apply for subrogation, the number of accidents is not counted.
If we have an accident with a battery car, can we apply for subrogation? This is also possible, and the process is the same. The relevant clause stipulates that as long as the damage to our motor vehicle is caused by a third party, you can apply for subrogation. This third party includes motor vehicles, non-motor vehicles. If you don't buy car damage insurance, subrogation can't be used, and the car is repaired by yourself, so you can only sue to defend your rights.
Now the process of prosecuting is also relatively simple, and you can file a case online. Upload the prepared materials, the complaint, the damage assessment form of your car, the accident liability certificate, the collected car accident evidence, etc., and the lawyer does not need to be invited, and it can automatically go through the following process. Moreover, the lawsuit can not only ask for the cost of repairing the car, but also the transportation expenses during the repair period and the depreciation of the new car, which can be reasonably raised. If you are injured, you can also write medical expenses and nursing fees. At the beginning, it was not a direct **, there will be a mediation, most of the old people may lose money directly during the mediation, and if they really encounter a lawsuit, we will respond to the lawsuit normally. With all the evidence, the odds are definitely on your side.
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