How to apply for car insurance: analysis of hot topics and hot content on the Internet in the past 10 days
As car ownership continues to grow, car insurance claims have become the focus of car owners. This article will combine the hot topics on the Internet in the past 10 days to provide you with a detailed analysis of the vehicle insurance reporting process, precautions and the latest industry trends to help you complete your claims efficiently.
1. The latest process of car insurance reporting in 2024 (hot search data within 10 days)
| steps | Operation content | Hot search index |
|---|---|---|
| 1. Accident scene handling | Immediately turn on the double flashing lights and place warning signs | ★★★☆☆ |
| 2. Evidence collection | Take panoramic photos, detailed photos, and other party’s IDs | ★★★★☆ |
| 3. Report the case to the insurance company | Report the crime via APP/telephone (within 72 hours) | ★★★★★ |
| 4. Damage assessment survey | Cooperate with insurance companies to determine losses on site or online | ★★★☆☆ |
| 5. Submit materials | ID card, driver's license, accident certificate, etc. | ★★★☆☆ |
| 6. Claims review | Results usually take 3-7 working days | ★★☆☆☆ |
| 7. Compensation arrives in account | Automatic payment to bank account | ★★☆☆☆ |
2. Top 5 recent hot issues (data source: Baidu Index)
| Ranking | hot issues | Search volume trends |
|---|---|---|
| 1 | Special requirements for new energy car insurance claims | ↑35% |
| 2 | How to report an accident without an on-site incident | ↑28% |
| 3 | Common situations when insurance companies deny claims | ↑22% |
| 4 | Out-of-town accident handling process | ↑18% |
| 5 | Legal consequences of car insurance fraud | ↑15% |
3. List of necessary materials for reporting a crime
According to the latest guidelines recently issued by the Insurance Industry Association, the following materials need to be prepared for auto insurance claims in 2024:
| Material type | Specific requirements | electronic acceptance |
|---|---|---|
| Proof of identity | The front and back of the car owner’s ID card | 100% |
| vehicle documents | driving license, driving license | 95% |
| accident proof | Traffic Police Responsibility Certificate/Quick Processing Order | 90% |
| Maintenance ticket | Invoice from 4S shop or regular repair shop | 85% |
| bank account | Account information of the car owner with the same name | 100% |
4. Comparison of emerging reporting methods within 10 days
| Reporting channels | average response time | Usage increase | Features |
|---|---|---|---|
| Insurance company APP | 8 minutes | +40% | AI damage assessment, video connection |
| WeChat applet | 12 minutes | +25% | Electronic signature, progress tracking |
| 955xx phone | 15 minutes | -5% | manual guidance |
| Third party platform | 20 minutes | +18% | price comparison service |
5. Expert advice: 3 should and 3 should not be reported in 2024
To do:
1. Fix the evidence as soon as possible (in the past 10 days, multiple cases have shown that insufficient evidence led to denial of compensation)
2. Tell the truth about the accident (new on-board recorders can restore the accident process)
3. Choose a regular repair unit (the recent exposure of "black repair shops" insurance fraud cases has increased)
Don’t do:
1. Leaving the scene without authorization (accounting for 32% of recent claims denial cases)
2. False reporting of maintenance projects (many insurance companies have upgraded their anti-fraud systems)
3. Missing the deadline for reporting a crime (the new regulations emphasize the 72-hour golden reporting period)
6. New trends in the industry
1.Full implementation of electronic insurance policies:Within 10 days, 7 provinces and cities have realized direct connection between electronic insurance policies and traffic police systems.
2.Exclusive terms for new energy vehicles:The three power systems are included in the coverage, and additional charging records are required when reporting a crime.
3.Claims credit system:Some insurance companies are piloting a "claims whitelist", and high-quality customers can enjoy fast access
It can be seen from the above structured data analysis that auto insurance reporting in 2024 will show a trend of digitization and professionalization. It is recommended that car owners pay attention to the updates of insurance terms in a timely manner, make good use of technological means to improve the efficiency of reporting cases, and at the same time pay attention to preventing claims risks to ensure that their own rights and interests are fully protected.
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