AI Commercial Auto Insurance Claim Analysis Assistant

The Claim Gap After an Accident

After a traffic accident, vehicle owners must handle reporting, scene protection, inspection, damage assessment, document submission, payout calculation, and possible denial of the claim. Commercial auto insurance rules are often spread across policies, clauses, demonstration products, and claim handling notes, making it hard to determine whether a case is a vehicle damage, personal injury, or third-party liability claim and which documents may affect settlement. This skill targets vehicle owners in mainland China and organizes claim guidance around the industry reference Commercial Auto Insurance Demonstration Product Claim Practice Points (2020 Trial Version), helping users form a basic claim structure before interacting with the insurer.

How the Skill Works

• Claim process guidance: covers first-response steps such as reporting the accident, protecting the scene, contacting traffic police, and inspection scheduling.
• Material checklists: maps core documents by case type, including vehicle damage, personal injury, and third-party cases, such as license documents, repair invoices, medical reports, accident determinations, and third-party loss lists.
• Payout calculation support: organizes the order of compulsory insurance and commercial coverage, plus calculation references for vehicle damage, third-party liability, and onboard personnel coverage.
• Denial risk alerts: highlights common issues such as drunk driving, unlicensed driving, moving the scene, late reporting, and unnotified modifications, and explains follow-up paths after receiving a denial notice.
• Deadline reminders: tracks time-sensitive steps for reporting, assessment, payout, and denial notice issuance.

It works like a structured claim knowledge base: identify the accident type and user goal, then match process nodes, document requirements, calculation logic, and risk notes to reduce search overhead.

Scope and Caveats

The skill does not sell insurance, replace insurer damage assessment, or provide legal advice. For disability assessment, compensation agreements, disputes, litigation, or complex personal injury cases, rely on the policy terms, the insurer's final determination, and professional legal counsel.