I. Who pays for the maintenance of a vehicle after its scheduled loss
Depending on the particular circumstances and facts of the incident. Normally, in cases involving small traffic accidents, the owner has to advance the funds required for the repair of the vehicle. The approximate process is as follows:
First, the insurance company conducts the loss identification work and then arranges for the repair of the vehicle; after the repairs have been completed successfully, the owner is requested to pay the corresponding repair fee; thereafter, the owner may proceed to the insurance company with the maintenance invoices obtained to settle the claim。
If, however, it is established that the party responsible for the accident is the other party, then the cost of repairing the car should be borne by the other party's law, so in such cases it is recommended that you do not have to pay for the repair costs. The provisions on insurance compensation expressly state the principle that the insurer has the right to compensate third parties for losses caused by the insured person's own actions to third parties. When the liability of the insured person to a third party has been established, the insurer shall, on the basis of a formal request by the insured person, pay compensation directly to the third party. However, if the insured person fails to exercise his or her rights on his or her own initiative in a timely manner, third parties have the right to bring a claim directly against the insurer in respect of his or her entitlement to compensation。
In addition, an insurer is not entitled to compensate an insured person if, by its own fault, the insured person causes damage to a third party and at the same time fails to meet the related liability to that third party。
The insurance compensation provisions:
The insurer can compensate the third person for the loss caused to the insured person. If the insured person causes damage to a third person, or if the liability of the insured person to a third person is established, the insurer shall, at the request of the insured person, pay compensation directly to that third person. If the insured person fails to do so, the third person has the right to seek compensation directly from the insurer in respect of the portion of compensation due to the insured person. If the insured person causes damage to a third person and the insured person does not pay compensation to that third person, the insurer is not entitled to compensation from the insured person。
Ii. How long will it take for a vehicle to be fixed
The assessment of the loss of vehicles usually takes 48 hours. If the damage to the vehicle is not serious, the insurance company's survey specialist will be able to complete the assessment of the vehicle on site and the identification of the loss within a short period of 12 hours
However, where the damage to the main vehicle is significant, the time required for identification will be relatively long。
Article 22 of the insurance law of the people's republic of china
In the event of an insurance accident, the insured person, the insured person or the beneficiary shall provide the insured person with proof and information relevant to the recognition of the nature of the insurance accident, its causes, the extent of the loss, etc. If, as agreed in the contract, the insurer considers that the relevant certificates and information are incomplete, it shall notify the insured person, the insured person or the beneficiary of the supplementary information in a timely manner。
With regard to the cost of repair of vehicles involved in small traffic accidents, it is usually the owner who makes the advance. This is done by means of a determination and assessment of the loss by the insurance company, which will then coordinate the arrangements for the restoration, and by applying to the insurance company to which it belongs on the basis of the relevant maintenance invoice when the owner has completed the advance for the costs. If the liability is established, the costs of repair should be borne by the counterparty and not by the owner. In such a case, the insurer is entitled to recover from the third party that caused the loss, and if the insured person fails to exercise its rights in a timely manner, the third party has the right to bring a claim directly against the insurer. However, if the insured person fails to compensate the third party accordingly, the insurer will not make any form of compensation to the insured person。
