How to calculate Ping An auto insurance claims
In the past 10 days, hot topics about auto insurance claims have mainly focused on the claims process, calculation methods, and actual user case sharing. Many car owners have questions about Ping An Auto Insurance’s claim calculation methods, especially issues such as accident liability division, compensation ratio and deductible. This article will combine hot discussion content across the Internet and use structured data to provide you with a detailed analysis of the calculation method of Ping An Auto Insurance claims.
1. Basic process of Ping An Auto Insurance claims
The claims process of Ping An Auto Insurance is usually divided into the following steps: report → investigation → loss assessment → price verification → loss verification → claim verification → payment. Among them, the loss determination and price verification links directly affect the calculation of the final claim amount.
| Process steps | time requirement | Things to note |
|---|---|---|
| Report the crime | Within 48 hours after the accident | Information such as policy number, ID card, driver's license, etc. are required. |
| survey | Within 24 hours after reporting the crime | The site needs to remain as it is and wait for the surveyor |
| Assess loss | Within 3 working days after inspection | You can choose a Ping An cooperative maintenance center |
2. Core calculation factors of claim amount
The calculation of the claim amount mainly considers the following factors: the actual value of the vehicle, the accident liability ratio, the insurance terms and the deductible setting.
| calculation factors | degree of influence | Description |
|---|---|---|
| vehicle actual value | 30-50% | Calculated based on the actual value at the time of the accident |
| Accident liability ratio | 20-40% | 100% full responsibility, 70% main responsibility, 50% joint responsibility |
| Deductible | 5-15% | Calculated based on the deductible rate selected when applying for insurance |
3. Examples of claims calculation for different types of accidents
The following are claims calculation examples for three common types of accidents:
| Accident type | Amount of loss | Responsibility ratio | Deductible | final claim amount |
|---|---|---|---|---|
| Unilateral accident | 10,000 yuan | 100% | 10% | 9,000 yuan |
| Accidents between both parties (main liability) | 15,000 yuan | 70% | 10% | 9,450 yuan |
| Multi-party accident (shared responsibility) | 20,000 yuan | 50% | 15% | 8,500 yuan |
4. Other factors affecting the claim amount
In addition to the above-mentioned core factors, the following situations will also affect the final claim amount: 1) Whether to purchase insurance without deductible insurance; 2) Whether there is a third-party responsible person; 3) The choice of maintenance method (original factory parts/auxiliary factory parts). It is recommended that car owners understand the insurance terms in detail when purchasing insurance and communicate with the claims specialist promptly after an accident.
5. Answers to recent hot claims issues
Based on the hot discussions on the Internet in the past 10 days, the following high-frequency questions are summarized:
| question | official reply |
|---|---|
| How to make a claim for damaged new energy vehicle battery | Calculated based on the current actual value of the battery |
| Will delaying reporting during the epidemic affect claims settlement? | In special circumstances, you can apply for an extension. |
| How to determine the damage of a modified vehicle | Legal modifications are included in the scope of claims |
From the above analysis, it can be seen that the claim calculation of Ping An Auto Insurance is a refined process that takes multiple factors into consideration. It is recommended that car owners keep relevant documents and bills in peacetime, report the accident in time and cooperate with the investigation, so as to ensure a reasonable compensation amount. If you need more detailed calculation cases, you can consult a claims specialist online through the Ping An Good Car Owner APP.
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