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汽车意外事故索赔调查过程 Blog Featured Image
Video Series保险360

汽车意外事故索赔调查过程

欢迎收看保险360,我是 Cassandra。 你我他都是驾车人士。相信对汽车保险一点也不陌生。不过,不是每个人都经历过交通意外。当然,我们也不希望它会发生在我们身上。但是意外意外,意料之外,如果发生了,那该怎么处理呢?很多人的印象大概就是拍照咯,然后去警察局报案咯,然后就跟自己的保险公司报告,打电话给你的保险代理员,他们就会帮你处理咯。可是,你有没有想过到底这个过程是怎样的呢? 首先,保险公司会跟你搜集交通意外的报案记录,还有照片等。然后当然第一件事就要确认到底哪一方是肇事者。如果你不是肇事者,就只管联络对方车主的保险公司来进行赔偿数额与修理费用。这样一来,你本身的No Claim Discount(非索偿折扣)是不受影响的。相反的,如果你是肇事车主,那就反过来就对了。通常保险公司有自己指定的维修厂,所以我们只需要把车送去指定的车厂维修就行了。 如果车祸涉及了乘客或行人伤亡或是太过严重的汽车损害,保险公司则会派出保险理算师来进行更深入的调查。因为赔偿的数额超出平常了,而且保险公司在必要时,需要搜证,以作为上法庭的证物。尤其是涉及他人身体损伤的事故,人命的价值又该怎样评断?所以这时候保险理算师就需要为双方定出一个合理的赔偿数目。 除此之外,理算师还需要针对车主的供词来厘清是否符合理赔的条规。比如说如果汽车失窃是由车主本身的过失照成的,那很可能不会赔偿。所以这时候,车主必须很清楚事发经过,如果有不确定的部分,请不要随意作答,因为你所回答的供词可能会对你不利。还有很重要的是,如果你不确定整件事情,请不要签署保险理算师给你的任何文件。 以上大概就是汽车保险的事故索赔调查过程。全程大概1个月至3个月左右,甚至更长。所以身为车主的我们就尽量把资料收齐,就不会拖延整个过程。 希望我们今天的视频教会你一点点, 让你更懂得车险的咨询! 如果你喜欢我们的保险360系列,记得按赞与分享! 记得订阅我们的频道还有开启小铃铛,这样你就不会错过新影片的通知。 我们下次见!...

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Welcome To Your Malaysia One-stop Insurance Blog

Insurance is an essential aspect in terms of securing oneself in the event of a liability. Insurance isn’t treated as an investment, but rather as a hedge in the event of an unpredictable event. However, the same research that goes into investment also goes into insurance because it’s something that ends up having a financial impact (or otherwise) on you. And while an individual can secure various aspects of their lives through insurance, it can be hard to comb through information spread across various domains.

The Need For An Insurance Blog

Research into insurance can be an extensive and exhaustive process. Insurance research includes looking for the type of insurance you want first. A person has the option of life insurance, gadget insurance, health insurance, travel insurance, motor insurance, car insurance, auto insurance, personal accident insurance, office assets insurance, etc.) Then, it’s important to evaluate the sub-type of insurance you’re looking for, and the cover you’re looking for as well. Depending on the type of insurance, an individual will have several options to choose from and customize their insurance policies. After that, you need to analyze, compare, and evaluate the insurance options available at your disposal. You can only do so if you have information, analytics, and data that’s easily accessible to enable you to make an informed decision.

The Solution – FinCrew

As the need for insurance grew, so did the need for education and access to insurance information. And insurance buyers aren’t looking for just information. They’re looking for meaningful information so that they can make an informed decision. More often than not, these critical decisions lead to insurance purchases. We realized that insurance buyers have a hard time and limited options when buying insurance because of a lack of information made available to them. Fincrew was developed to bridge the gap of giving insurance buyers the information they’re looking for, important data points, and the latest news in one place. Whether you’re looking to buy new insurance, renew existing insurance, evaluate insurance and quotes, evaluate insurance providers, features of various insurance policies, read news impacting insurance policies, and more, the Fincrew blog has got you covered.

Fincrew insurance blog is dedicated to bringing you the latest insurance news, articles on insurance, and a guide to help insurance buyers evaluate and buy the best insurance suited to their needs. This means that any potential insurance policy buyer looking for information on any insurance can find it on Fincrew, one of the best insurance blog in Malaysia.

1. Insurance Guide

If you’re starting out and looking for information on the various types of insurance, our comprehensive insurance guide will help you understand, analyze, evaluate, and compare insurance in Malaysia. If a person is looking for life insurance, then they need to know what term life insurance is. Your insurance guide helps you understand the different insurance plans, insurance coverage, premium payments, annual limits, policy terms and conditions, and more in a comprehensive, yet easy to understand format.

2. Insurance Articles

The blog is also home to several various insurance topics covered in the form of in-depth articles on the Insurance Industry. The insurance articles break down and analyze various components that you need to be aware of when making an insurance decision. The articles are periodically updated to reflect the latest information so that viewers have access to the right information at all times. So you have access to information and articles based on car insurance, general insurance, health insurance, life insurance, motor insurance, the advantages of having insurance, or which provider may be a better insurance provider for you.

3. Insurance News Malaysia

The insurance industry is continuously developing, and much news-based information can impact how you avail insurance in Malaysia. It’s crucial to stay up-to-date with the latest insurance news, Malaysia. As this does have a bearing on your current or future policies. This includes news from corporations, agencies, media, the government, insurance providers, among many others. With extensive coverage of past events as well as current affairs, this section will help you understand how you can use this to make decisions in the present and future.