How to make a car claim: hot topics and structured guides on the Internet
Recently, the topic of car claims has become increasingly popular on major social platforms and news websites, especially traffic accidents, insurance disputes and rights protection cases have become the focus. The following is a compilation of auto claim-related content that has been hotly discussed across the Internet in the past 10 days, combined with structured data to provide you with a practical guide.
1. Ranking of hot topics on auto claims in the past 10 days
| Ranking | topic | heat index | Main discussion platform |
|---|---|---|---|
| 1 | New energy vehicle battery damage claims | 985,000 | Weibo/Zhihu |
| 2 | Typical cases of insurance denial | 762,000 | Douyin/Car Friends Forum |
| 3 | 4S store maintenance disputes | 638,000 | Xiaohongshu/Tieba |
| 4 | Traffic accident liability determination | 554,000 | WeChat/Toutiao |
2. Analysis of the entire process of car claims
According to the latest data from the transportation management department and insurance industry statistics, the following steps need to be followed for a successful claim:
| steps | Operational points | Timeliness requirements | Necessary materials |
|---|---|---|---|
| 1. On-site disposal | Set up warning signs and take photos to collect evidence | Do it now | On-site photos/videos |
| 2. Alarm filing | Dial 122 or 110 | Within 24 hours | Driver's license/driving license |
| 3. Insurance report | Contact insurance company | Within 48 hours | Policy information |
| 4. Damage determination and repair | Choose a cooperative repair point | Within 15 working days | Loss order |
3. Key points for claims for different types of accidents
For the three types of accidents that have occurred recently, the claims strategies are different:
| Accident type | Difficulties in claiming compensation | solution | success rate |
|---|---|---|---|
| bicycle accident | Self-evident unintentional behavior | Driving recorder evidence | 89% |
| Multi-car pile-up | Disputes over division of responsibilities | Apply for traffic police review | 76% |
| Third party causing trouble | The other party refuses to compensate | subrogation | 92% |
4. Reference for the latest claims data in 2023
According to the latest industry data released by the China Banking and Insurance Regulatory Commission:
| Claim items | average compensation amount | processing cycle | rejection rate |
|---|---|---|---|
| body damage | 8,200 yuan | 7-15 days | 12% |
| casualties | 146,000 yuan | 30-90 days | 23% |
| special parts | 35,000 yuan | 20-45 days | 18% |
5. Expert advice and rights protection skills
1.Completeness of evidence chain: Keep records of the entire process from the occurrence of the accident to the end of the treatment, including communication records, medical bills, etc.
2.Timeliness control: Pay attention to the 2-year statute of limitations stipulated in the Insurance Law. For major accidents, it is recommended to initiate legal proceedings within 6 months.
3.Professional assistance: For complex cases, you can entrust a professional public appraisal agency, and the reports issued by it are accepted by the court with a rate of 93%.
4.Latest policy: The "Motor Vehicle Insurance Claims Service Specifications" that will be implemented in 2023 requires insurance companies to issue a loss determination plan within 3 working days.
Through the above structured data and practical guidance, we hope to help car owners effectively protect their rights when encountering an accident. It is recommended that car owners regularly check insurance policy updates and install a driving recorder that meets standard requirements to be fully prepared for possible claims.
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