(1)异地轿车保险理赔之报案

(1) a report on the insurance claim for a foreign car

车主在寻求异地轿车保险理赔时，首要拨打保险公司的报案电话，及时向保险公司提供出险信息。保险公司都开通了全国一致的报案电话，如人保财险95518、平安财险95512、中华保险95585等等。但是，因为各家保险公司效劳渠道的运转形式不同，案子的受理方法和流程也有着较大差异。人保财险客户在异地出险报案，都是由当地的分支机构直接受理。平安财险则略有不同，客户在任何区域拨通报案热线，都将被直接转到位于上海的全国后援中心。

When the owner is seeking a claim for the insurance of the off-site car, he first clls the insurance company's case phone to provide the insurance company with risk information in time. Insurance companies have launched a nationwide telephone cll, such as PICC 95518, Ping An Property Insurance 95512, China Insurance 95585 and so on. However, because the operation ways of the insurance companies are different, the methods and procedures of accepting cases are lso quite different. The PICC clients are reporting directly to the local branch offices. Ping An Property Insurance is slightly different. Customers will dial the hotline in any area and will be transferred directly to the nationl back-up center in Shanghai.

(2)异地轿车保险理赔之定损

(2) the loss of insurance claims for foreign cars

异地轿车保险理赔的定损也是很有讲究的。现在，有两种定损方法可供挑选：出险地就近定损和回单所在地定损。就地定损是异地出险车辆较为常见的定损方法，由受理报案的分公司直接完结查勘、定损工作。要提示的是，挑选回单所在地定损，有必要事前报案并征得保险公司的赞同，否则很可能被保险公司视为错过报案期限处理。此外，并不是所有的交通事端都能采取这种定损方法，若事端丢失较大或发作人员伤亡，车辆有必要在当地完结查勘。

The loss of car insurance claims in other places is also very particular. Now, there are two ways to fix the damage: the risk of damage and the place where the policy is returned. The local fixed loss is a common method for determining the loss of vehicles in different places, and the branch that accepts the reports directly ends up surveying and defining the damage. It is necessary to suggest that it is necessary to report the case and ask for the approval of the insurance company before choosing the place where the insurance policy is located. Otherwise, it is likely that the insurance company will treat it as missing the deadline for the report. In addition, not all traffic accidents can be taken to take this kind of damage method. If the incident is lost or the casualty of the ***, it is necessary for the vehicle to make a survey in the local end.

(3)异地轿车保险理赔之修补

(3) repair of insurance claims for foreign cars

本来较为简略的事端车修补，在异地轿车保险理赔时，也需求从头被注重起来。不少车主出险后，在没有通过定损前，就挑选先修补，往往无法得到轿车保险理赔。在车损不影响正常行进功能的前提下，并不引荐车主就地进行修补。因轿车修补质量难以确保，一旦需求重复修补，车主可能需求往复两地。

A relatively simple car repair problem is also needed to pay attention to when the car insurance claims are made elsewhere. After many car owners are out of danger, they can not get the car insurance claim before they choose to repair them first. Under the premise that the vehicle damage does not affect the norml running function, it does not recommend the owner to repair in situ. Because the qulity of car repair is difficult to ensure, once the demand is repeatedly patched, the owners may need to go back and forth.

(4)异地轿车保险理赔之轿车保险理赔款

(4) car insurance claims for off-site car insurance claims.

轿车保险理赔收取赔款也有就地请求收取和回单所在地再收取两种方法。据了解，绝大多数车主为不影响行程都挑选后者。依照车险全国通赔规矩，车主回到承保地后，能够凭仗理赔材料到分公司索赔。但若车主急需这笔轿车保险理赔款，也能够请求在出险地收取，但有必要属于快速理赔范围。

Car insurance claims receive reparations, there are two ways to collect loclly and return the insurance policy loclly. It is understood that most of the owners choose the latter without affecting the trip. According to the nationl insurance policy, the owner can claim compensation from the claim company after returning to the underwriting place. However, if the car owner is in urgent need of the car insurance compensation, it can lso request to collect at the risk spot, but it is necessary to belong to the quick claim range.

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