Motor insurance
Sweet tips
Claim as soon as possible after the accident
Basic procedure: stop the car rapidly -- protect the scene -- rescue the injured and property -- claim to the police -- inform the insurance company -- assess the damage -- collect the documents -- claim for compensation
1. Claim on time is very important
A. Claim to the police
When the car is stolen, please call 110
When a normal accident occurs, please call 122
When an accident with injured or death occurs, please call 120 and 122
When the car is on fire, please call 119
B. When the car rushes into the wall, the terrace, concrete column and tree or any other single vehicle accidents irrelevant to third party, the insured don't have to claim to the policy, and they could claim to the insurance company directly(if the damage is huge and someone in the car injured, the insured shall call 122). The insured shall wait for the staff from the insurer to assess the accident at the scene, or drive the car to the insurance company for claiming and assessing.
C. Claim to the insurance company immediately
Groupama's claim call: 400-886-8199
2. Trying hard to self rescue and rescue, if someone injured and dead, rescue at first the injured
3. Cooperate actively the insurance company to assess the accident loss
4. Collect the documents relevant to nature, reason, loss degree of accident
5. Keep the contact with the insurance company; especially you have the accident in other place
The documents supplied to the insurer
1. The policy
2. The accident liability identification paper by relevant government department (e.g. traffic accident liability identification paper, intermediation paper or the accident proof of fire etc.)
3. The original repair invoice and the repair list and rescue invoice and the detail rescue list
4. The original savage invoice and list
5. The original copy of police accident intermediation paper, court written verdict, court award, mediation decision, judgment paper and arbitral award
6. Driving permit, original and copy of driving license or trade plate
7. Original loss setting list
8. Original and copy of the insured's identity proof
*Some other documents may be needed depend on various specific circumstances
The condition of claim and some warnings
1. The car hits the wall (the tree, concrete column, balustrade, telegraph pole, etc.)
2. The car hits another car
3. The car hits human and animals
4. Breakage of windshield(if stand alone glass breakage covered)
5. The driver and the passenger get injured after the accident (if on-board person liability covered)
6. Self combustion of car(if self combustion covered)
7. The car is lost or stolen(if total vehicle theft/robbery covered)
