找保(bao)險(xian)公(gong)司進行理(li)賠。保(bao)險(xian)公(gong)司接(jie)到(dao)報案(an)后，會派人到(dao)現(xian)場勘(kan)察或到(dao)交通部(bu)門(men)了解出險(xian)情況，同時對(dui)(dui)車(che)(che)輛(liang)進行定損，估算合理(li)費用(yong)，并(bing)(bing)通知車(che)(che)主(zhu)到(dao)保(bao)險(xian)公(gong)司指(zhi)定的(de)修理(li)廠(chang)處理(li)事故車(che)(che)輛(liang)。對(dui)(dui)第三者(zhe)責(ze)任的(de)索賠，還應由保(bao)險(xian)公(gong)司對(dui)(dui)賠償金額(e)依(yi)法確定，并(bing)(bing)依(yi)據投保(bao)金額(e)予以賠付。

擴展資料：

保(bao)險(xian)是一(yi)個(ge)漢語詞語，英文是Insurance或(huo)insuraunce，本意(yi)是穩妥可靠保(bao)障；后(hou)延(yan)伸成一(yi)種(zhong)保(bao)障機(ji)制，是用來規(gui)劃(hua)人生財務的(de)一(yi)種(zhong)工具，是市場經濟(ji)條(tiao)件下風險(xian)管(guan)理的(de)基本手(shou)段，是金融體系塌念(nian)和社(she)會保(bao)障體系的(de)重要的(de)支柱。

保(bao)(bao)險，是(shi)指投保(bao)(bao)人(ren)根(gen)據合(he)同(tong)約(yue)(yue)定，向(xiang)保(bao)(bao)險人(ren)支付保(bao)(bao)險費，保(bao)(bao)險人(ren)對于合(he)同(tong)約(yue)(yue)定的可(ke)能發生的事故因(yin)其發生所造成(cheng)的財(cai)產損失承擔賠(pei)償(chang)保(bao)(bao)險金責任，或者(zhe)被(bei)保(bao)(bao)險人(ren)死(si)亡、傷殘、疾病或者(zhe)達(da)到合(he)同(tong)約(yue)(yue)定的年齡(ling)、期限等條件時承擔給付保(bao)(bao)險金責任的商(shang)業(ye)保(bao)(bao)險行為(wei)。

從(cong)(cong)經濟角(jiao)(jiao)度(du)看，保險(xian)(xian)(xian)是(shi)分攤意外事(shi)故損失(shi)的一(yi)(yi)種財(cai)務安(an)排；從(cong)(cong)法(fa)律角(jiao)(jiao)度(du)看，保險(xian)(xian)(xian)是(shi)一(yi)(yi)種合(he)同行為，是(shi)一(yi)(yi)方(fang)同意補(bu)償另(ling)一(yi)(yi)方(fang)損失(shi)的一(yi)(yi)種合(he)同安(an)排；從(cong)(cong)社(she)(she)會(hui)(hui)角(jiao)(jiao)度(du)看，保險(xian)(xian)(xian)是(shi)社(she)(she)會(hui)(hui)經濟保障制(zhi)度(du)的重要組成部分，是(shi)社(she)(she)會(hui)(hui)生產和社(she)(she)會(hui)(hui)生活“精巧的穩(wen)定器”；從(cong)(cong)風(feng)險(xian)(xian)(xian)管理(li)(li)角(jiao)(jiao)度(du)看團(tuan)喚困(kun)，保險(xian)(xian)(xian)是(shi)風(feng)險(xian)(xian)(xian)管理(li)(li)的一(yi)(yi)種方(fang)法(fa)。

保(bao)(bao)(bao)險(xian)(xian)合(he)(he)(he)同(tong)(tong)(tong)是投保(bao)(bao)(bao)人與保(bao)(bao)(bao)險(xian)(xian)人約定保(bao)(bao)(bao)險(xian)(xian)權利義務關系(xi)的協議(yi)。保(bao)(bao)(bao)險(xian)(xian)合(he)(he)(he)同(tong)(tong)(tong)除了具有一(yi)般(ban)合(he)(he)(he)同(tong)(tong)(tong)的雙務有償(chang)性質以及諾(nuo)成合(he)(he)(he)同(tong)(tong)(tong)的特(te)征外(wai)，還具有如下法律特(te)征:保(bao)(bao)(bao)險(xian)(xian)合(he)(he)(he)同(tong)(tong)(tong)是不要式合(he)(he)(he)同(tong)(tong)(tong)、保(bao)(bao)(bao)險(xian)(xian)合(he)(he)(he)同(tong)(tong)(tong)是附合(he)(he)(he)合(he)(he)(he)同(tong)(tong)(tong)、保(bao)(bao)(bao)險(xian)(xian)合(he)(he)(he)鏈吵同(tong)(tong)(tong)是射(she)幸合(he)(he)(he)同(tong)(tong)(tong)。

第三者(zhe)責(ze)任(ren)保(bao)險(xian)(xian)，責(ze)任(ren)保(bao)險(xian)(xian)險(xian)(xian)種之一，是指被(bei)保(bao)險(xian)(xian)人(ren)由(you)(you)于自(zi)身的(de)過錯(cuo)、疏(shu)忽等給第三方的(de)造(zao)成人(ren)身傷害和財產損失(shi)，依(yi)(yi)法或依(yi)(yi)慣(guan)例須由(you)(you)被(bei)保(bao)險(xian)(xian)人(ren)承(cheng)擔(dan)的(de)經濟賠(pei)償責(ze)任(ren)由(you)(you)保(bao)險(xian)(xian)人(ren)承(cheng)擔(dan)的(de)保(bao)險(xian)(xian)。

在機動車輛第(di)(di)三者責任保(bao)險中(zhong)，指被(bei)保(bao)險人或其允許的駕(jia)駛(shi)人員(yuan)在使(shi)用保(bao)險車輛過程中(zhong)發(fa)生意(yi)外事故，致(zhi)使(shi)第(di)(di)三者遭受人身傷(shang)亡(wang)或財產直接損毀，依(yi)法應當由被(bei)保(bao)險人承(cheng)擔的經濟責任，保(bao)險公司負責賠償(chang)。