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Insurance claims there are various threshold, the reporter for you one one analysis

Recently, Miss Zhang heart gaunt. Because the car thing ran countless times 4S shop and insurance companies, or negotiation without results. She bought the luxury car segment time into the water, engine damage, repair costs as high as several million, but the insurance company refused to a cleaning fee. "Think bought wading insurance, can compensate, did not think of no use." She was wondering.

Auto insurance coverage, many people must have heard of, but most of them didn't really come into contact with, not to mention can understand more thoroughly. The insurance is not no danger of anything going wrong, it can meet the needs of many prerequisites to claim. Yesterday, reporter consulting experts, to tell you why they can not lose.

Glass insurance: stop was only to find the police

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In June this year, the north of the city of Hangzhou in a residential in the car parked on the roadside overnight, the morning found the front window and rear window glass, car side were smashed, lost a laptop computer and buy a new one in front of thousands of dollars of tableware.

Mr. Yu immediately to report 110. The police force does not know what time to have a result, while the car is waiting to open. Mr. Yu remember the glass breakage alone, so call the insurance company to be hurt, ready to go to 4S shop to repair the window glass.

Let he never thought is, tell him the operator asked in detail about his claim after,, "this situation, not to accept the."

Analysis: member Guo Yajun told reporters, glass breakage alone claims refers to the scope of insurance during the driving process of the vehicle, the car broken glass alone, the insurer is according to the actual damages, "malicious behavior does not belong to the scope of claims." But Mr. Yu met windows were broken case, belong to "malicious behavior". It belongs to the criminal case to the public security departments, the tube, the insurance company does not reach.

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Notably, the skylight glass does not belong to the glass breakage alone claims range. If the cause of falling objects, hit the car glass, Guo Yajun said, the owner should take the car damage insurance claim to the insurance company.

Wading insurance: not the car into the water

One day, Hao Miss open blue bird car to the suburb to go, the car to the line suddenly more overtaking, her escape, drove into a large puddle -- the day before the storm to the subgrade side accumulated knee didn't big. The car stalled. "It is a company car, insurance comparison, including wading insurance." Hao miss secretly.

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Could not start the car wading again after flameout, otherwise the insurance company will not claim. This rule in the repeatedly stressed that public opinion, many people already know. The road Hao Miss parked in situ, report to the insurance company immediately, and wait for the trailer to come. Because there is no start the engine again, inspection found only need cleaning drying on the Department of spare parts, engine is not serious.

But later in the process, the insurance company refused to the requirements of Miss Hao claims. The reason is, Miss Hao loss is not in the stormy day.

Analysis: in recent years, because of the extreme weather, leading to frequent vehicle wading, also raises concerns for wading vehicle insurance claims. The reporter understands, wading insurance company insurance is to protect the balance of CDW gift, and life insurance and other insurance companies are not wading insurance the insurance, is opposite to engine damage insurance. According to the survey, the Zhejiang owners for wading insurance coverage, high in Wenzhou.

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The insurance clause in the insurance company, vehicle losses caused by rainstorm, the flood is responsible for compensation. But whether the rainstorm weather, meteorological departments need to prove -- 24 hours rainfall over 50 mm for the storm. But in vehicle wading accident second days, because the accident has not belong to directly by the heavy losses caused by the accident, so no compensation.

Risk of spontaneous combustion: short circuit repaired without compensation

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The old Tao feel luck recently very back. He has opened a about 100000 km van, rear electric windows often shake not down. During the first half of the year he had to repair three or four times, but not how long it is the old Party A. He also didn't put the issue to rest assured. This summer, didn't expect the car to stop on the side of the road, the spontaneous combustion. "Fortunately, I was not in the car......" Tao thought are scared.

Such fire engines arrived, the car almost burned into the car. Fortunately there are on-site help he took photos of the spontaneous combustion. More fortunately distance risk of spontaneous combustion due more than 10 days left. The old Tao to insurance companies together, have never thought to is a refusal. The original insurance company got the old ceramic repair records in the survey, which identified the spontaneous combustion is the vehicle itself quality problems, asked the old Tao claim to the automobile manufacturers......

Analysis: it is understood, the general insurance companies have a "risk of spontaneous combustion", PICC Hangzhou branch staff told reporters, at present Hangzhou some insurance companies provide for more than 8 years of the car is not the risk of spontaneous combustion, some insurance companies provide 6 years of vehicle age is denied insurance risk of spontaneous combustion. Once the spontaneous combustion vehicles in the near future had a circuit, circuit repair records, no compensation. In addition, not to conduct an annual inspection or inspection unqualified vehicles in accordance with the regulations, even if the owner purchased the spontaneous combustion risk, the insurance company shall not claim.

Zhejiang 8 owners only basic insurance

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"Recently, many insurance companies have launched new products to attract owners insurance." The industry told the reporter, the first half of this year, many insurance companies have a line, trying to win in the new round of fighting.

Huatai Insurance recently in Hangzhou for the pilot, as the female owner of new packaging. The first female insurance -- beauty risks; and Chinese peace in the recently launched a "mirror damage alone" insurance, with a few yuan premium security fault novice in parking often out; in addition to push the safety belt. -- at the time of the accident if it is tied to the safety belt, the compensation range, limit of higher......

The majority of owners for economic consideration, at the time of the application, choose is often cross strong insurance, car insurance, non deductible several basic categories, seldom consider other additional risks. The people of Zhejiang the point seems particularly clear, 80% of the owners only basic insurance. Ping An insurance of a responsible person told the reporter, she had a statistics, surprised to find, Hangzhou pilfer insurance rate of only 12%~13%, far less than other areas, some reference data: Dongguan pilfer insurance rate up to 70~80%; also in Fujian 50%~70%. "Probably is the Hangzhou public security environment is good, but on the other hand, the Hangzhou consumer awareness of the insured is not strong." She said with a smile.

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Because the majority of owners for the little additional insurance knowledge, after the insured is not carefully read the terms, will inevitably cause trouble later claim. Here, we move through several auto insurance claim cases. Not to guide you not to buy additional risks, but trying to explore with you through specific examples, how to safeguard their own rights and interests. Only one purpose, don't let me buy the insurance money to the water.