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交通事故保险理赔的程序如何_保险理赔_交通事故_捷律?/title>
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<div id="Nav">您的当前位置: <a href="/">捷律?/a> > <span id="lbNav"><a href="/flzs/jtsg/">交通事?/a> > <a href="/flzs/jtsg/bxlp/">保险理赔</a></span> > 正文</div>
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<div id="Title"> <h1><span id="lalTitle">交通事故保险理赔的程序如何</span></h1></div>
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发布时间:<span id="lbInDate">2017/9/27 12:00:58</span> <span id="lbSource"></span><span id="lbAuthor"></span>
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<span id="lalContent"><p>交通事故保险理赔的程序如何?首先你要向保险公司报案，保险公司会派人来事故现场进行勘查、检验，接着就是定损估价，然后你就拿着索赔材料要求索赔。至于具体内容，还是看下文吧!</p><p>对于广大车主来说，买了车子一般都会给车子做足车子保险。那么您知道在出现交通意外事故时，如何向保险公司理赔?程序是怎样的呢?今天找法网小编就带您了解一下交通事故发生后理赔方面的知识?/p><p>一、向保险公司报案</p><p>第一步，报案!出现交通事故后，首先要做的就是及时报案。通常一起交通事故发生后，车辆方不仅要向当地的交通管理部门报案，同时要在事故发生后的48小时内向保险公司报案?/p><p>二、事故现场勘查、检?/p><p>保险公司接到出险报案后，应当立即安排公司理赔人员或委托的公估机构、技术鉴定机构、海外代理人到事故现场勘查事故经过，了解涉及的损失情况，查阅和初步收集与事故性质、原因和损失情况等有关的证据和资料，确认事故是否属于保险责任，必要时委托专门的技术鉴定部门或科研机构提供专业技术支持?/p><p>三、定损估?/p><p>保险公司相关人员对交通事故现场进行勘查、检验后，会对此次事故造成的损失估价。如果您认为保险公司的定损估价有问题时，您也可以向保险公司提出异议，同时自己委托相关机构对损失作出估价。当保险公司与您对损失估计达成一致，就可以进入下一步流程了?/p><p>四、提交索赔材?/p><p>权利虽然被赋予了，但是如果自己不懂得主张的话，那权利很可能就是白费的。所以，当确定了损失以后，您就可以向保险公司索赔了。通常，您向保险公司索赔的时候，要提交如保险单、索赔申请等与该起事故有关的单证材料，方便保险公司核实?/p><p>五、赔款的计算和审?/p><p>保险公司审核了您所提交的索赔材料以后，如果真实可靠，保险公司就应该按照保险合同的约定承担保险责任，确定具体的赔偿款数额?/p><p>六、领取保险金</p><p>保险公司作出了赔偿决定后，就会通知您在规定的期限内到保险公司领取保险金?/p><p>七、协助追?/p><p>在很多情况下，保险公司在赔付了您的损失后，法律还赋予了保险公司向真正的肇事方索赔。此时，您不能认为反正自己已经获得了赔偿，就拒绝帮助甚至阻碍保险公司向真正的肇事方索赔，记得要协助保险公司进行追偿哦?/p><p><br/></p></span>
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