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交通事故后保险公司如何理赔?_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">交通事故后保险公司如何理赔?</span></h1></div>
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发布时间:<span id="lbInDate">2019/11/15 11:57:03</span> <span id="lbSource">来源:互联?nbsp; </span><span id="lbAuthor"></span>
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<span id="lalContent"><p style="text-indent: 2em; text-align: left;">(一)报案</p><p><br/></p><p style="text-indent: 2em; text-align: left;">当您驾车发生交通事故后，一定要立即向事故发生地公安交通管理部门报案，同时?8小时内通知保险人，否则保险公司可以拒赔。车辆发生交通事故后，投保人应尽快向保险公司报案，可以电话报案，也可直接去报案?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">(?勘验</p><p><br/></p><p style="text-indent: 2em; text-align: left;">保险公司应主动到事故现场进行勘验，对事故车辆进行定损。交通警察到达事故现场后，要先抢救伤者，然后对事故现场进行勘验检查。对未逃逸的交通事故，而且不需要检验鉴定的，公安交通管理部门应当在10日内做出交通事故责任认定书，对需要检验鉴定的，应当在5日内进行检验鉴定，然后做出认定书?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">(?办理理赔手续</p><p><br/></p><p style="text-indent: 2em; text-align: left;">投保人到保险公司办理理赔手续，应携带行驶证，保险合同以事故责任认定书等相关证件。保险公司应?8小时内对车辆进行定损，投保人在车辆没有定损之前不能修理车辆。保险公司应该出具车辆定损清单，明确更换配件，修复车辆的费用和工时?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">(?签字</p><p><br/></p><p style="text-indent: 2em; text-align: left;">投保人如对上述清单无争议即签字生效，作为保险公司理赔的依据。如果有争议则可以拒绝签字。在投保人对定损清单没有争议的情况下，投保人可以修复车辆，并按以下程序进行理赔?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">1.投保人将修理厂的发票，明细清单，定损单，行驶证，保险合同交给保险公司?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">2.与保险公司达成协议之后，保险公司应在十日内支付保险赔偿金。如保险公司认为投保人提供的材料不完整，应在两个月内按可鉴定的最低额先行赔付?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">3.领取理赔通知单，领取保险金?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">4.如果保险公司在两个月内拒绝出个理赔通知单，并在两个月内不予赔偿，投保人也可以向保险公司所在地或车辆注册所在地人民法院提起民事诉讼?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">5.保险公司在收到投保人的有关保险事故的证据材料后，应当向投保人出具证据清单并签字盖章?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">6.保险公司出具拒绝理赔通知书?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">7.投保人可以向保险公司所在地或车辆注册所在地的人民法院提起民事诉讼?/p><p><br/></p></span>
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