Preface:I believe there are many owners of car insurance do not know much about, only the accident will and car insurance to deal with, as a layman owners don't feel out the auto insurance how deep the water, how can be the greatest degree of the beneficiary? Don't worry, there have been many be a veteran in battle, experienced owners summarized their experience for us, as long as we read of in preparation for possible period of want or need it, and this is an ordinary car owners will be able to read the automobile insurance clauses, guaranteed to make you more in-depth understanding of auto insurance and claims, "the last drop of blood dry" insurance company! Who is not? Buy insurance on the map to save money and worry!
Insurance clauses (a solution) Che Sunxian VS third party liability insurance
Let's talk about Che Sunxian's main and three party liability insurance. Car insurance and liability insurance are three basic insurance vehicle insurance compensation, mainly brought about by the loss of vehicle insurance and the insured vehicle to third in use of the loss!
You probably think that even the vehicle damage caused by natural disasters, the insurance company as compensation without delay! This is half right, most of the losses caused by natural disasters are lost, but the same except -- earthquake!
Case 1: if your car has been building in the earthquake hit, ha ha......
Workaround: don't end in the earthquake to apply for compensation, etc. after the earthquake a few days to apply for compensation.
Claim statement: probably because the earthquake caused the wall loosening, finally one day in the fall, smashed your car, remember: do not mention the earthquake occurrence.
Case 2: if your car in an emergency brake, the car of the EastWest to the windscreen glass rupture caused by, what can you say?
If you are honest to the insurance company said: "the paper towel box I fly up and hit the glass......" (wow! Internal high enough ah, ha ha, I just take paper towel box for example a joke) " You miserable! The adjuster will be pointing to his mouth to say: "please look at my mouth -- NO!"
Method: a change in......
Out: a statement I practiced iron tougong friends smashed windscreen in braking, OK! Remember: the car "goods" impact the loss, the insurance company does not pay! But people crashed on the matter.

Case 3: if your car in tow when another car collided, how to do?
Solution: ignore facts exist......
Claim statement: don't mention you in the towing vehicle or be towed, or whether you have the responsibility of the accident, the insurance company will not compensate.
Case 4: if you are in an accident, breaking the glass itself is not dangerous on the glass, you may claim compensation from the insurance company?
Not on the glass insurance claim they can do to find it? Line, absolute row! Glass insurance's full name is: breakage of glass, which is caused by parking and the use of glass damage, and accidents caused by the glass damage by car caustic danger for payment.
If you are not on the glass insurance, when you get up in the morning and found that his car was broken glass do not know which asshole, how to do?? Oh, the old tactics: driving slam the brakes caused, and head to blame! (remember to find a similar height to my friends ah), if the side of the glass is broken, said side head is good, ha ha!
Case 5: if your car at the time of the crash, broke a little light, what can you do?
Go to the insurance company, he would not dare to not lose you, then you think is made? No, actually, you probably want to lose, lose money.
Don't understand? Tell you, every car all risks probably between 2500-5000 (more high-grade car would be more expensive), if you do not claim the insurance period of one year, no claim discount then you will get 10% in a year when insured, the sum you do the math, if the claim amount is too small, hey, so come on, as a 10% discount to reality.
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The insurance clause interpretation (two) lost car -- how will the loss to the lowest point
Vehicles in the park and the use of the process will inevitably make people have troubles, among them, lost car is the most bad thing, however, if you do as I say, your loss will be reduced to the lowest point.
Yes, once the lost car, what is the first thing to do? To alarm? Wrong. The car has been lost, which is so easy to find ah, you too overestimate the ability China police, or think about how to reduce the loss!
Reduce the loss? Even so easy ah, the car lost, how ah? Don't forget, have me!!!!
First, remember to have a look own insurance policy there is no vehicle pilfer. What, no? You recognize bad luck, I can find no use, buy a car!
If you go on pilfer, first of all, I would like to congratulate you, your loss can be reduced to a minimum, however, also have to be careful! Then you have to do is close your mouth, do read my post, otherwise you will regret it!

Case 1: the provisions of pilfer rush to deal with an emergency, the loss of the insured person driving license, the original invoice, purchase a car vehicle purchase absolutely free surcharge per document a 0.5% increase. The absolute non lost car keys 5% increase. These provisions in the shallow color print, do not believe in the policy, you can come up with the list carefully have a look, certainly in an inconspicuous corner can be found this passage.
So regardless of whether you have a spare key once lost, or is to be run in your car has a key, please remember to forget this thing, otherwise...... 5% the loss you carry yourself!
Case 2: if your car in the parking fees or business shop is stolen, the insurance company responsible for compensation?
The answer is: do not lose!! 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.
So the right way is to find a parking lot to claim, so every time when parking, remember to close the parking fee receipt ah, although printed above the loss no matter, but according to the regulations about the format of the contract in the contract law of our country, which belongs to the unilateral shirk responsibility! You can rest assured bold told him good, ha ha, give you a good news, have won this lawsuit, so the case according to the principle of the back, after the trial decision according to the case may be, ha ha!
Case 3: if, parking is your friend, or you from the side to play at the parking lot can not afford to pay for your car, you can consider whether to change the lost car place? Ha ha, I what all don't say! You think of yourself.
Case 4: again, if you are a boss, because with some problem of the accounts and the friend, but your friend is a villain, he stole your car stolen, you guessed it, you'll go to the insurance company for compensation?
Tell you, the insurance company is not responsible for compensation. Because of a clause: the insured person and other civil, economic disputes and the vehicle was stolen, for exemption from liability.
So, you can forget your economic disputes, directly to the Public Security Bureau and the court about, remember, don't say you suspect, otherwise it will bring economic issues involved in this, to China court's work efficiency, you probably have to take a taxi to go out in half a year!
Case 5: if you just bought a new car, up against all risks, but not yet licence (now the traffic rules: 15 working days after examination of the rear can bring license), any insurance company responsible for compensation?
Is not responsible for compensation. Because at the time of the accident, the insured vehicle must have two conditions, one is the insurance vehicle shall be issued by the traffic control department of the public security vehicle license or license plate, two by the traffic control department of the public security inspection within a specified period of time. But the special agreement on public security departments need to test new home insurance vehicle number plate issued may be responsible for the car damage insurance and three party liability insurance. So the responsible for the lost car for pilfer didn't work, naturally, you also can not get compensation.
If you are not the summon enough courage to change lost time, to buy a new car if send a person! I didn't say what ah!
Case 6: if your car is stolen, the insurance company how to deal with claims?
The stolen vehicle insurance rob back, if the insurance company has not yet been reparations, the vehicle should be returned to you, but the whole car stolen, the vehicle damage or the car parts, ancillary equipment lost the reasonable expenses needed to repair, the insurance company responsible for compensation. If the insurance company has paid for, the vehicle should be returned to you, at the same time to recover the corresponding reparations. If you do not wish to recover the original vehicle, the vehicle owner to the insurance company.
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The insurance clause interpretation (three) crash
As long as the crash, the insurance company paid? Of course, not as long as you have a look carefully hand policy compensation clause will know, insurance companies have a lot of free stuff, to minimize the loss, or come and find me, ha ha!

Example 1: suppose you are a novice, just borrowed a car (and maybe hire car), when practicing the car on the road, to hit your brother, you know, this car has three liability insurance, you will find the insurance claim?
Answer: if you go, you are crazy, the insurance company will kick you out, why??
First of all, you should know what is the three liability insurance, third party liability insurance in full.
What is the third?
The third means in addition to the insurer and the insured, accident insurance vehicle causes the personnel or property insurance vehicles under the damages in the car under the victim. Popular speaking third is out of four kinds of people: the insurer, the insured, the car accident drivers and their family members, the insured person's family members.
See now, you as a driver, hit your family, the insurance company is not lose, well, you know what to do! What?? Also don't know? Piss me off, change the driver hit not finished it, really, I what all say out.
Case 2: if you have the car crash, and it is your responsibility to compensate you for your cover, the court sentenced the other party for the losses, damages, costs of disability...... How do you deal with?? What else, money is!
Wrong. Completely mistaken.
You should consult with the other family, increase the economic loss compensation and disability compensation for the loss, as far as possible the mental compensation to a minimum, no better of course.
Why? You ask me why? This is not a five for six sheep.
Dude, you are wrong, the insurance company is not complete and unconditional commitment "amount" compensate the insured shall pay in accordance with the provisions of law, but "approach to road traffic accidents" and the contract of insurance compensation. And clearly defined the terms, any mental damage caused by the accident insurance compensation liability exemption. So whether the court was whether the insurer should be compensation for mental loss, the insurance company shall not be responsible for compensation.
Understand?? Other insurance companies are you lose, spiritual loss can be no matter, therefore, would rather give money, don't agree to compensation for spirit, in short, generous insurance company indignant Bai, ha ha!
Case 3: if you had the good fortune to crash, you are not to blame for this, while the other does not want to lose money, you can go to the insurance company claims?
Answer: can, but you must first claim to the third party, will it be possible to get the compensation of insurance company. If you give up the right to the third party claims, claim directly to the insurance company, the insurance company does not pay. Because you gave up to the third party the right of recovery, but also gave up the right to demand compensation from the insurance company.
So, remember, remember, we must first find them lose, is the best proof of enforcement of court failed, then you can be in the right and self-confident for insurance companies, the rest of the mess while they go up, who let each year they received so much of your insurance premiums!
Case 4: remember that there is a bad driver in the police command, help the police to intercept the fleeing criminals, into criminals, the two cars collided, called a miserable ah, the insurance company will compensate him?
Of course not, insurance clauses written as clear as noonday, the pilot "the intentional act" is not in the compensation list, we can only own the car:
So, if you do not have sufficient financial capacity, when the hero before you consider oh!!!
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Insurance clauses (four) -- they claim can not see, because you've never heard of



★ insurance case: a friend lost car, has fully comprehensive insurance, my insurance company claims, failed, China Insurance Company reason: to the query, the car did not conduct.
Case analysis: the insurance company did, very reasonable, in the insurance contract provisions are based on: Insurance applies only to eligible vehicles, the vehicle can not part as unqualified car, even if your maintenance is again good trashy also, the result can only be lost white lost, the insurance also white. At best, return the cash value of insurance.
Conclusion: the case of your car, must be timely inspection, otherwise must not be postponed, fine things, small things, exclusions, at this time if the traffic accidents result in third loss, also will be borne by your own, insurance white bought!
The case solution: the annual inspection on time, even for a day, and don't be late; if unfortunately, remember also don't immediately reported, as soon as possible to spend money to testing procedures complete later for a report claims procedures!
Feel shy, just felt dizzy, I also did not say what? Said also.
★ insurance case two: with the similar driver limited, not do please note, all your problems occurred in driving, the insurance company is not responsible for compensation, and the similar reason, not to go into details.
★ insurance case three: This is a question often asked: my car just bought, not on the license, insurance is in force?
Explanation: the vehicle at the time of the accident insurance in, the vehicle must have two conditions, one is the insurance vehicle shall be issued by the traffic control department of the public security vehicle license or license plate, two by the traffic control department of the public security inspection within a specified period of time.
But the need to test the new vehicle number plate issued insurance can be responsible for car insurance and liability insurance for the three, special provisions agreed so, when your car if unlucky, got what still make do with the insurance company for your top, is clear now!
Material proof of principle ★ insurance claims: (because the problem is N asked, so here together to answer)
When several insurance claim
1, the team to solve the traffic accident:
Punishment or mediation book issued by the traffic team, the court judgment, judgment can be used. These materials so absolutely, in the insurance company must have a green light. Rest assured that claim
2, the accident occurred in the district:
Accident: car damage is serious, or to the traffic team open to prove, very troublesome;
General: rub to residential property open to prove, because often suspect, the general is also very trouble;
So, the best reported times in the city on the road, otherwise...... Kill you!
3, a small accident on the road, including when parking rub
The need to prove that the principle is: whether to involve third party? Such as involving the third party payment, or the need to transport team proved.
As both the accident himself, can be indicated in the claims: accident third self-study, and then press the remorse claim car caustic danger in insurance companies, if let you to transport team open to prove, you must bite don't let go, he said not to abuse it, insurance companies generally will not be too serious. You must promise to open that, don't blame me for not reminding you, you ran to it, lose money no enough money!
4, the back of the people:
If hit by another car, the car to escape, unable to find. In serious cases, more trouble, to solve the traffic team, by the insurance company for compensation.
Not serious, it is best to blame to resolve claims, but also in the claim notice body is stuck with the other car paint, as well as the direction of collision, must make out a good case, or you!
Finally, remind everybody: report must be reported within 48 hours, otherwise it may directly be rejected!! Remember, remember, is not within the range of 48 to be 48!