How to report insurance for cars: Popular topics and structured guides on the entire network in the past 10 days
Recently, the topic of car insurance claims has continued to rise, especially the reform of new energy vehicle insurance and the optimization of online claims process have become the focus. This article will combine hot discussion content across the entire network to sort out yourThe complete process of auto insurance reporting, and structured data comparison is attached.
1. Ranking of popular insurance topics in the past 10 days
| Ranking | topic | Popularity index | Main discussion points |
|---|---|---|---|
| 1 | Exclusive insurance for new energy vehicles | 92,000 | Three-electric system guarantee scope |
| 2 | Quick online claims settlement | 78,000 | APP full process operation |
| 3 | No on-site damage determination | 65,000 | AI image recognition technology |
| 4 | Premium Floating Mechanism | 53,000 | No compensation preferential treatment coefficient |
2. Analysis of the entire process of auto insurance reporting
Step 1: Accident site handling
Immediately turn on the double flash lights, place a triangle warning sign, and evacuate people to a safe area. If casualties are caused, you must call 120 first aid.
Step 2: Evidence fixation
Use your phone to shoot the following:
• Panoramic photos (including road markings)
• Close-up of vehicle collision area
• The other party’s driver’s license/driving license
| Type of evidence | Shooting requirements | Effectiveness |
|---|---|---|
| Panoramic view of the scene | Includes peripheral references | ★★★★★ |
| License plate close-up | Clear and unobstructed | ★★★★☆ |
| Loss details | Multi-angle shooting | ★★★★★ |
Step 3: Insurance Report
Report the case through the following channels:
• Insurance company customer service telephone number (such as PICC 95518)
• Official APP/WeChat Official Account
• Traffic police 12123 report the case in progress
Step 4: Determine the damage compensation
The latest data for 2023 shows:
•Online loss determinationAverage aging shortened to 2.7 hours
•Traditional loss determinationStill need 1-3 working days
3. Key points for handling different types of accidents
| Type of accident | Report time limit | Special Requirements |
|---|---|---|
| Unilateral accident | Within 48 hours | The site needs to be retained |
| Multiple accidents | Report the case now | Traffic police responsibility identification letter |
| Disasters in another place | Within 24 hours | National compensation service |
4. Comparison of services for popular insurance companies
| Insurance companies | Online claims | Average case closing cycle | Featured Services |
|---|---|---|---|
| PICC Property and Casualty Insurance | 89% | 2.1 days | Extremely quick claims |
| Ping An Property Insurance | 92% | 1.8 days | AI Loss |
| Taibao Property Insurance | 85% | 2.4 days | Get information from home |
5. Three keys to avoid claims failure
1.Report the case in a timely manner: May be rejected for more than 48 hours
2.Describe truthfully: The case of a fictitious accident will be held legally responsible
3.Keep the voucher: Maintenance invoices, medical receipts, etc. must be kept for at least 2 years
Hot discussion recently"No feedback claims"Technology is being piloted, and the claims process can be automatically triggered through the Internet of Vehicles data, which may completely change the traditional reporting model in the future. It is recommended that car owners pay attention to the update of insurance terms regularly, especially new energy vehicle owners need to pay attention to whether the battery attenuation is within the coverage.
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