Six "do not lose how to deal with the insurance company"

    Buy a car. The first thing is to their own car to buy insurance. After all, what is a luxury car, a small mistake, is not a small sum of the cost, so the automobile insurance has become many owners to help lock. However, here to remind the owners, even the so-called all risks, the insurance company in many cases is not compensable. This requires the owners to pay more attention to, be careful "response". Here is your recipe for the most common response to the insurance company "break" method.

One, the vehicle must be inspection

Case:The twelve end white-collar Zhang buy a car, the end of last year, married, for work, a series of things busy confused and disoriented zhang. And when suddenly found himself lost his car, gave up against all risks aside, Zhang to the insurance company to call, the answer is: do not lose! The reason is he busy forget to give your car inspection.

Analysis.There are provisions in the contract of insurance: Insurance applies only to eligible vehicles, the vehicle can not part of deemed unqualified vehicles. Then the small vehicle is naturally belong to the unqualified car.

Answer.Originally, the driver car this not part is the China Insurance Company in most cases, it has been canceled the owner must be timely inspection, must not be delayed, lest the claim of trouble, fine small things, be rejected it, especially the loss of the vehicle, it is a few years salary. But, if the traffic accident caused third loss, costs will be borne by your own, insurance on the white bought.

Two, don't be "good guys"

Case:Last year4An early morning month, Wang had drive misfortune and collision. Is the full responsibility for each other, not his responsibility. But the other side is an agricultural vehicle, and the owner is very difficult. Xiao Zhu didn't want to tell each other entangled, so did not pursue the agricultural vehicle liability insurance company claims, his back. But the insurance company.

Analysis.In the unfortunate accident, the insured person must first claim to the third party, will it be possible to get the compensation of insurance company. "Insurance law" provisions:"There must be responsibility"The insurance company will compensate. Even if the insured is a fault, also must first claim to the third party, will it be possible to get the compensation of insurance company. Once dropped to the third party the right of recovery, will give up the right to demand compensation from the insurance company.

Answer.Once the danger and responsibility is in the other side, we must first find them lose, fail (the best is proof that the enforcement court failed), can be in the right and self-confident for insurance. At the same time stressed, the accident must be after the traffic police, in most cases, insurance companies will only see the traffic adjudication single.

Three, don't hit the family

Case:TV, radios in the most played such a case: a few years ago, Mr. Liu drove his jeep in front of his home by his wife. His wife was seriously wounded, spent several million yuan. Mr. Liu think the car on the third party liability insurance, the insurance company claims, the result was a refusal.

Analysis.The third party liability insurance in the third popularly speaking, is excluded4Man: that the insurer, the insured, the car accident drivers and their family members, the insured person's family members.

Answer.People oriented the new traffic law, so don't and people not to go, of course, especially family.

Four, must the parking fee receipt

Case:Guo last year bought the new car, parked in the parking fees area every day. To pay one thousand more than 500 annual parking fees. One day in June, Kuo found his car was stolen, because it is against all risks, claim compensation from the insurance company. The answer is: a refusal.

Analysis.In accordance with the provisions of the insurance company, all vehicles in the parking fees or business shop is stolen, the insurance company shall not be responsible for compensation. Because these places have custody of the responsibility of the vehicle, in the storage period, the safekeeping party caused by the vehicle is damaged or lost, the depositary shall bear the responsibility. The insurance company is not responsible for compensation. Therefore, either the car, or be struck, the insurance company shall no matter.

Answer.The correct way is to find a parking lot to claim. The driver must remember well the daily parking fees, or other payment documents, so that after the accident, find a parking lot claim.

Five,The report must be timely

Case:Mr. Zhang to the field before the trip, the car is lost, but because the time is urgent, so we go to travel. Business process is very busy, forget to report to the insurance company. After coming back to find their own, not found. His claim to the insurance company refused. The reason is: not to report within the prescribed time insurance company, has not reported to the local public security organs.

Analysis.Motor vehicle insurance clauses of the basic insurance28Article, article30And additional coverage whole vehicle pilfer clause4Article, the insured shall place the traffic police department to report on the accident of vehicle insurance after insurance accident happens, it must be in the48Hours of report, or may directly be rejected.

Answer.The owners claim after a report to the insurance company timely obligation. Remember48Hours to the insurance company", although is a duty, is to ensure that a rule can eat eat you after be or get out of danger.