[auto insurance knowledge] don't act with confusion novice accident claim Raiders

 

For the novice, the insurance (safe protection) matters to pay special attention to.

    The car was draw.Night in the parking area, the vehicle was scratched, the vehicle is unknown. This site belongs to no scratches, should belong to the individual risk of Nick category, not in the main contents of the insurance claim. In the parking lot, the vehicle was maliciously scratched, if parking fees, should be responsible for compensation for the parking lot. If not parking fees, can be compensated by the insurance company for.


    Vehicle rear end.The road was slippery in the car rear end collision, the first car if no fault, the damage to the vehicle by a car bear.


    Vulnerable parts damaged.Lamp, glass and other vulnerable parts, important contents are additional risks, so as to separate the damaged, do not belong to the main insurance payment terms.


    Improper operation, increasing the losses.If due to improper operation, resulting in the loss of expanding, expanding part of no compensation. For example, the rain water vehicle flameout, re ignition, resulting in serious engine damage, it belongs to the improper operation caused by the expansion of the loss, the insurance company shall not claim.

    Out of claims process consists of four steps
   The first step: the timely alarm
   Methods: to protect the scene and pay attention to the car money
   After the accident, should be properly protect the scene, to report in 48 hours to the insurance company, stating the accident occurred after truthfully, and provide insurance to insurance companies, survey personnel to the site survey, also need to fill out "notice". Such as multi accident or injury involving human, property damage accident should alarm processing.
   The second step: Surveying
   Methods: if any negotiation process, be handed over to the third party identification
   The insurance company after receiving the report, will damage to the vehicle, and the insured to negotiate maintenance man hour and material cost. If unable to reach agreement, may apply to the commodity price departments or insurance assessment companies were identified.
   The third step: vehicle repair
   Methods: to choose the familiar 4S shop repair and repair shop
   The owner can choose a repair qualified repair shop for maintenance, also can go to the insurance company rescue point of repair, the insurance company and the repair factory jointly complete loss of identification. The damaged vehicle repair damaged to repair.
   The fourth step: the claim submitted
    Methods: to submit the information to complete
   Vehicle repair, customers should keep good repair invoices, but also provide other necessary materials to the insurance claim. If multi-party liability, shall be the responsibility of providing traffic police certificate, mediation; involving personal injury accident, should also be provided to prove the diagnosis (at or above the county level hospital), treatment fee invoice to prove the necessary documents.
   Special remind attention to four key words
   Keywords: timely
   Pilfer to report within 24 hours
   According to the stipulations of the contract of insurance, after the traffic accident, we must first time. If more than 48 hours (pilfer to exceed 24 hours) did not report to the insurance company, the insurance company can not accept the case. For the multi accident or injury involving human, property damage accident should also report to the traffic police department. If the patient, should also be timely rescue.
   Keywords: Aging
   As soon as possible to submit the claim documents
   Special remind owners, to a variety of claims to the insurance company claims personnel documents as soon as possible, such as mediation or the court verdict within 15 days to the insurance company to submit the relevant materials, and self reported up two years did not claim to the insurance company, the insurance company will not be accepted. If the procedures are complete consensus, an insurance company shall, within 10 days of a case for compensation.
   Keywords: decline range
   Related terms when attention
   According to relevant regulations, for drunk driving, driving without a license, driving without a valid license, being disqualified due and not the annual inspection of vehicles, insurance or uninsured vehicle towing vehicle, traffic accident, the purchase policy does not transfer of second-hand car, insurance company has the right to refuse to pay the.
   Keywords: additional risks
   Note the franchise
   Additional risks must be to buy after the purchase of insurance, but also claims responsibility and strict regulation. So when the friends to cover them, should pay attention to the franchise. For example pilfer rush to deal with an emergency, if only the car parts or ancillary equipment was stolen or damaged, non car theft, insurance companies do not lose. And the broken glass separate compensation insurance only occurred during the car glass "separate" broken, installation, repair vehicles caused in the process of broken glass alone is not lost. Body scratch damage body scratch damage insurance only no collision traces, the insurance company is responsible for compensation.

 

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