5A late Sunday, Shenzhen Hu rain drove to Dongguan consulting traffic accident claim. In fact, many times before in the telephone and QQ channel through the very early, he had sent me read, this is a trial for down, he was not satisfied with the verdict, specifically with the verdict and related data to consult my decision is reasonable.

The accident happened in July last year, when the accident occurred, Xiao Hu's parents were in his truck, he took the scene photos to me, the whole front all have no, fortunately, his mother was at rest, because it is lying, although also injured in the hospital, but no matter what in the accident, his father died on the spot.

In many communication, Hu said that it is difficult to accept the fact, especially after the accident, personally to the scene, repeatedly see site environment, it is hard to imagine why this happened. Although her father has been gone for almost a year, claims the lawsuit is the first instance judgment, only a commercial insurance shortly after the accident the claim, because one family in Shenzhen have been renting, he has recently made a small property room, the deposit has been down, see second payments you'll have to pay the claims, but he is not satisfied with the verdict, before listening to a friend said, the accident over the past three years, the lawsuit has not ended, the claim did not come down, he is very worried.

Auto insurance claims if related to the accident of third party, easy to dispute, at the same time as the car insurance claims related to the project than the personal insurance is complex, so often the bigger issues, such as the accident: Xiao Hu's father to drive a vehicle to buy 300000 seats, 1000000 insurance third party liability insurance, another car the complete loss of insurance, because he is the party responsible for the accident, the other party is responsible for 30000 of the responsibility, the only seat insurance is insurance personnel on the car, the accident can get compensation had been greatly discounted, but according to the relevant laws, the court by accident where the compensation standard, but the accident the location of the compensation standard and the Shenzhen standard of compensation is larger, if Xiao Hu and his family accepted the court's decision, means to buy their own seat risks may also use the standard of compensation, then, fold on fold, and lawyers have filed claims in litigation request and one, two hundred thousand, whether it is to be proved father's value, or for what, he and his family in psychology are more difficult to accept it.

This case to bring the author thinking:

1 The value of people who say?In this case because of the accident of third party, so they can find the claim of the object, and if for some no third party traffic accident, can claim only their seat risk, even if his life to the high level, this can be in Shenzhen or Beijing, Shanghai standard claims, but only ten thousand seats, fifty thousand. Seat risk, highest can only seat insurance parieto frontal claims. And such a painful experience, happened in my hometown that insurance consciousness is very weak in place of a family, three people, one person2Million, while imports of Australian car. Lost16Million (There are many uncle cousin last year I mentioned before5A serious traffic accident happened months).

2 Auto insurance guarantee what?Often have friends said, my car is to buy full insurance, and fully guarantee the what? The third party liability insurance is a property with the people's Insurance third party's loss, of course is the transfer of their losses, and car damage is the car itself, security personnel on the car seat, only risks, and most people only buy so the difference between the ten thousand, twenty thousand, fifty thousand seat insurance, can reflect people's what value?

3 After the accident, how to avoid the two time the damage?After the accident, the family life must continue, if lost is a mainstay of the economy, then the mortgage, car loan, the cost of living, education, elderly alimony, who will? Sinatay life since last year launched a million body driving insurance to now, less than a year's time, already claims7The single, most of them claim in case the insured are breadwinners, although both compensate how many money, also can't ease the pain lost dear, but at least make family life not once again suffered a major accident, suffered two damage on the economy. At the beginning of this year has done many topics, which does not pan because changes bring family economy under serious injury cases.

4 Make full use of commercial insurance function, the maximum extent for life regret!Insurance can't change what, life is changed but avoid, buy the case of commercial insurance after the accident to quickly get the claim.

Special note: This article author Cao Guoying (Sina micro-blog @ Dongguan Cao Guoying) original, reproduced or use please note the author and the source, respect the original, respect each other!

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