Loan to buy a car insurance shall pay attention

Ms. Lin in 2009Loan to buy a carA certain brand of car, then and the insurance company signed a motor vehicle insurance contract. The policy agreed to write the column: this policy first beneficiary a car finance limited liability company, without the prior written consent of this policy shall not be diminished correction (except; correction does not affect the first beneficiary rights and interests of the insurance indemnity when an accident than RMB Wu Qianyuan, the insurer shall obtain the consent of the first beneficiary agrees rear for the insured to pay indemnity insurance, third party liability insurance except)Loan to buy a carOwners to car insurance must see insurance clauses, otherwise, once a problem, for it is quite troublesome. Recently, Luyang District People's court together with the accident caused by the insurance compensation contract dispute case.

In this case the judge considering the case facts are clear, the two sides of the controversy is Ms. Lin did not fulfill the formalities prior notice. The judge then to both sides and the agent explained this, Ms. Lin immediately to the bank to apply for approval procedures, insurance companies and then gives compensation after receiving the approved procedures. Ms. Lin and insurance company settled out of court, the compensation is a one-time, Ms. Lin withdrew to the insurance company chargesAfter Ms. Lin to the court again be prosecuted, require the insurance company to compensate the loss, but the insurance company only pre compensate the loss of vehicle insurance company for the loss, other think, the fact that the two sides in the prosecution of the former is the loss of a preliminary opinion,

Don't give Ms. Lin compensation for the accident vehicle isLoan to buy a carThe two sides agreed in the contract of insurance, insurance indemnity based on, when an accident in more than five thousand yuan, the insurer must obtain the approval of the first beneficiary is paid by the insured. Lin did not fulfill the relevant approval.In September the same year, Ms. Lin friend Mr. Chen by their own consent, driving the insured vehicle from Nanchang to Fuzhou, way of Fuzhou Yinchuan Expressway a section, touched down in the fast lane construction sign separate crashed into a highway central band, resulting in a traffic accident vehicle and highway road property damaged Mr. Chen and three other people were injured. After identified by the traffic police department, bear equal responsibility driver Mr. Chen and highway management engineering team. After the accident, the owner Ms. Lin is active treatment and compensation to the wounded, and compensation for the loss of highway road property, vehicles were also repair in the insurance company will be damaged. After the parties cannot agree on compensation, Ms. Lin will be Mr. Chen, the expressway management office project team, the insurance company to court. In the process of trial, with the insurance company is an insurance contract disputes, Ms. Lin to withdraw the prosecution.