【正文】
mprove the safety property of the self benefit and social benefit,the insurer will statistic and analyze the reason of the accident and research the new automobile safety technology with automobile manufacturer and automobile maintenance that will improve the safety property of automobile. Moreover,automobile insurance can stabilize the social public order and play an important role in property insurance. Automobile Insurance Claim If an automobile accident happened,firstly,the driver should contact the police and the insurance agent pany directly to report the then a claims adjuster will be assigned to the driver should provide a plete,detailed accident report. The insurance pany should definite the damage,estimate the reasonable charge,and definite the amount of the insured make a claim for damages to automobile,the insurance pany will decide whether to repair the vehicle or declare it a total the cost to repair the vehicle is higher than the fair market value of it,the pany will declare it a total loss. Within three months after having prepared the vehicle or the traffic accident diagnosis,the insured should go to insurance pany to get the pensation with the insurance policy,the accident adjusting document,the list of reparation and other relevant certifications.