The accident is confirmed, the parties shall immediately to the vehicle damage insurance services in the field of damage, fill in "motor vehicle insurance accident damage to the vehicle project confirmation". If there is no dispute, both sides confirmed the signing, claims the task orders issued by members to determine maintenance and repair time.

Case 1

Liu ChanganBenOn the area, car that the front bumper is large area rub, the perpetrators escaped, how claims to insurance companies?
    Request proof of residential property issued vehicle rub the right way, the vehicle described rub location, the extent of the damage, occurrence time and then rub third escape case is true, and report in 48 hours to the insurance company;
    Special remind: This is the third escape, owners need to residential property issued vehicle rub proof, carrying this driving, driving license, insurance claim to the insurance company; on the responsibility and the procedures to complete the accident, by the repair party for the insured to pay the repair costs, are straight.
    Concept analysis: direct compensation refers to the vehicle repair costs directly by insurance companies and repair square to pay, the insured do not pay the repair costs, only need to pay all relevant material may be removed vehicles.
    Case 2

Mr. Cheng, drive a car running, cycling youth into the driveway, causing broken vehicle headlamps, bumper rub, the young man was slightly injured leg, how to make insurance claims?
    The correct approach first, the owners do not panic, have a look of riders and their car loss; then, confirm the accident responsibility, if riding a bicycle or pedestrian full responsibility, should be responsible party for compensation, the insurance company is not liable for compensation;
    Special reminder: due to accident responsibility, liability of insurance company is not the same, if is the owner's responsibility, the insurance company responsible for compensation, if the pedestrian is responsibility, the insurance company is not liable.
    If it is between the vehicle and the vehicle traffic accidents, the insurance company claim amount is huge, sometimes require both parties to the insurance company, to reproduce the scene of the accident.
    Case 3

During the running process of the vehicle, the windscreen smashed by flying stones, resulting in separate glass breakage, how to claim compensation from the insurance company?
    The correct approach first out of car owners need to know is whether the vehicle damage, the glass is broken, if this is the case belongs to the automobile physical damage insurance, insurance company has the obligation of compensation, the owner can be reported to insurance companies, if only broken glass alone, some insurance companies are not compensable, unless the owners individually insured broken glass alone insurance.
    Special remind: the owner when the insured must pay attention to see the clauses and premium items, some types of insurance money and fixed bonus, some of the need for separate insurance, do not wait until the loss when it was discovered that the uninsured, after all, a windshield glass is not a small sum of money.
    Case 4

In a moving vehicle, the insurance company to compensate?
    The correct approach first car check the main burst is causing other vehicle components damage, if there is damage, damage components will be damaged by the car insurance claims; if separate damage caused by tires, rims, the insurance company is not the claims.
    Special remind: if tire caused by traffic accidents, collisions with other vehicles causing other vehicles loss, the insurance company will be determined in accordance with the responsibility of the accident accident, according to car damage insurance and third party liability insurance and other related claims involving the accident insurance for claims.
    Case 5

Mr. Sun Changan Benben parked in residential, are falling from a height hit a concave, how claims to insurance companies?
    The correct approach kind of compensation may be not to pay "edge ball", the owners or meteorological department issued the same day the weather conditions or prove to the newspapers that day weather forecast for vouchers, explain the high-altitude weather conditions led to falling objects, or objects falling is proved by its own cause, the person responsible for the accident is insured, the insurance company could be compensation for damage.
    Case 6

Vehicle theft and robbery, and the insured person is at fault, such as the loss of the insured person driving permit, spare keys, how to claim compensation from the insurance company?
    The correct method throws the vehicle after the accident occurred, to within 24 hours of the accident to the police criminal investigation department report, and notify the insurance company.
    Special tips: daochengjian vehicles provided, the loss of the insured person driving license, the original invoice, purchase a car vehicle purchase tax surcharge per document a 0.5% increase in the absolute deductible; absolute non lost car keys 5% increase to compensate, these Provisions are reflected in the policy, the insured should read carefully the terms.

The vehicle accident insurance claim techniques: let every friend can learn
Post danger vehicles insurance claim skills -- absolute useful, you must treasure!!! (hope all the friends can see)
The vehicle accident insurance claim absolute skills
A car friends must have bought insurance. But now the insurance company insurance provisions, is tricky!
Today issued to expose the insurance company trap and the provisions of the mystery, see if after harvest, please help me to book a!
Including N danger cases, it has practical significance, and they hope to help everyone.
Explain the most clear, only ordinary people can understand the insurance provisions.
(a) car damage, third
(two) lost car
(three) the crash
(four) a claim
Insurance clauses (a) - car caustic solution, third
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 continually earthquake!
Case 1: if your car has been building in the earthquake hit, ha ha
Method: a few days after the earthquake to apply for compensation
Claim statement: probably because the earthquake caused the wall loosening, finally one day in the fall (not to mention the earthquake occurrence) [
★ ★ case 2: if your car in an emergency brake, the car in the east to the windscreen glass rupture caused by. What can you say?
You going to the insurance company said: "the paper towel box I fly up and hit the glass," wow......" (internal strength is high enough, ha ha)"
You miserable...... The adjuster will be pointed at his mouth: "please look at my mouth -NO!!"
The right way to deal with: a change in
Out: a statement I practiced iron tougong friends smashed windscreen in braking, OK!
Remember, the goods inside the vehicle collision damage, insurance companies do not lose!!
★ case 3: if you are in tow when another car collided at
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 into good, oh
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, that you earn?? No, you probably want to lose
I don't understand.?? Tell you, every car all risks probably between 2500-5000 (very good car, you forget it, I'm not good), if you do not claim the insurance period of one year, no claim discount you will get 10% in a year when insured, the sum you do the math, if the claim is too small, the number of ah, just forget it........
★ ★ ★ insurance solutions (two) - the lost car
Dedicated to lost the car and there may be loss of car of a friend!
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 JC, or think about how to reduce the loss!
Reduce the loss? Even so easy ah, the car lost, how ah?
First, remember to have a look own insurance policy there is no vehicle pilfer.
What, no? You recognize bad luck, 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% of the loss of your own anti
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 their 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
Case 4: again, if you are a boss, because with some account of a problem with a friend, and 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, 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 government departments required 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.
The insurance clause interpretation (three) - Crash
Dedicated to hit a car and may crash friend!
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. (third party people no matter, ha ha)
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.
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 '' compensation amount 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 under the command of the JC, crashed into the fleeing 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, intentional behavior is not in the list of pilot compensation, so only their own car:
So, if you do not have sufficient financial capacity, when the hero before you consider oh!!
The insurance clause interpretation (four) - a claim
★ insurance case one can not see, because you've never heard of.)
The altar in the well-known DX friend lost a car, have been 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:
And besides, the driver did not notice the annual examination, 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
Interpretation:
At the time of the accident vehicle in the vehicle insurance, 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 provisions specifically agreed on three
So, when your car if unlucky, got what still make do with the insurance company for your top, is clear now!
★ insurance claim proof principle because of the problem with N being asked, so a solution
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
(up to this kind of accident the altar in the occurrence of DX)
The need to prove that the principle is: whether or not relates to the 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, insurance companies generally will not be too seriously. 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 you DX: 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!
★ you still lack what formalities, you weigh, do do it now!

Teach you how to solve the problem of vehicle claims

As a car, your car is undoubtedly one of the most important part of your life, it is all of you be careful, but do you think when you appear when some traffic accidents should be how to deal with? Or in and repair station or the insurance company to negotiate claims, you should pay attention to what is not being cheated? Don't think about the insurance claim is out of the question to the repair station can be, because this idea could cost you a lot of unnecessary money.

   Traffic accidents will be a lot of trouble, such as how to claim for compensation, how to not China Insurance Company etc.. The claim is not only damage the car so simple, because the "curved around" is also very much, it is not more than buying when the traps related matters less, so the young Yan to you today to talk about the insurance loss claims, if you are a novice, personal recommendations must read, because although may more complicated, but if you have the same thing, these things may give you save a lot of money.

 

With current insurance claims

 

   In those relatively common insurance loss claims the situation before, let us first look at the classification process of insurance loss and the auto insurance claims:

 

 

Claims process:

   Insurance: insurance contract within the scope of the traffic accident.
　　
Report to: general insurance companies will require you to report the accident within 48 hours.
　　
Survey: a report, the insurance company survey members to the preliminary investigation, determine whether the insurance liability, traces is consistent, whether it is real.
 　　
Insurance: according to the site and the degree of loss of marks, on-site survey members will be the initial site damage or directly to the repair shop, 4S shop, set loss center to be hurt.
 　　
Price: some insurance companies will assess the losses in the later period, the actual repair or replacement parts price is reasonable.
 　　
Nuclear damage: according to the survey, the price of nuclear is loss.
 　　
Claims: through the above link, provide the relevant documents (driving license, driving license, the traffic police to prove claim book, etc.) to get the insurance company counter. Claims will review the entire case, if valid, real accidents, belonging to the insurance responsibility, to nuclear lost links can be done.
 　　
Payment: after the case, you can go to the insurance company for compensation.

 

Vehicle insurance classification:

CDW: occurred in traffic accident damage compensation, the insurance is very useful, but also all the car owners usually insurance.

Three party insurance: pay for third party people of traffic accidents, it is hit other people or vehicles after the payment.

The insured vehicle pilfer: the whole car was stolen payment, but remember this insurance will not pay the property inside the car.

Insurance personnel (Si Chengxian): is the guarantee of car insurance personnel, according to the seat cover, the amount of compensation to 10000 and to millions of doubling, any injuries compensation according to the personnel on the car, if you don't believe in driving technology own words, so the insurance is very meaningful.

The basic non deductible: absolutely free from insurance companies to compensate, that in some specific cases such as the applicant illegal driving in the absence of such insurance, the insurance company is a franchise, such as paid only 60%.

Paint risks: non traffic accident paint scratches compensation, such as accidentally hit the wall the paint scraping, here is a loss, but this insurance has an on-line payment, so be sure to ask, this insurance is very suitable for the killer's use.

Glass: glass damage insurance for non traffic accident, if you often "fly in" on the highway, so the insurance is very useful, maybe what a splash of the stone hit the glass.

Wading insurance: Vehicle flooded, but different insurance companies have different rules, the company will pay for example due to operational errors caused the engine inlet conditions, so the choice must ask in what circumstances will pay.

Risk of spontaneous combustion: vehicle failure due to itself, line, electrical supply system caused by burning vehicles, but the quality of he and vehicles which have certain difference, especially if your car is a new car and in the warranty scope, so long as you are not the point of the car with the lighter, the insurance is not useful.

Additional non deductible: the same basic non deductible.

Editor's summary:

This page is for the text back to you to lay a good foundation, so you need to first understand the usefulness of the insurance, although I have explained the insurance use is the more you will be in daily use problems, but these are just enough. And about the insurance claims process please look carefully, as it relates to your vehicle in traffic accidents need to claim time whether normal claim.

Traffic accident analysis of unilateral incident

   For most drivers now, more traffic accidents or because the driving technology in unskilled occurs, such as residential area, accidentally hit the trees, walls, and this impact is generally called unilateral incident, the so-called not involving casualties or third party property damage.

The traffic accident and don't be afraid, please call the police

   You need to do is to report to the police, of course not call 110 to report, give your car 4S shop (or insurance company) telephone, that after the accident, the insurance company will send someone to the scene investigation and loss, and issue a survey report, if the loss of a more serious or relationship to be impact compensation, then investigation committee by the traffic police, and police will give you issued by "accident".

This is the accident report

   After the damage repair basic don't need you to come, you only need to be placed in the 4S store (the insured vehicle insurance company designated vehicle repair division), then you need to wait for is to provide car time. If you are only losing you unilaterally caused, general repair station or 4S shop may help you to advance your repair costs.

   Because the fees in accordance with the insurance claims process you need first to advance, and in vehicle repair after the repair invoices and other documents submitted to pay, so you don't have to care too much about some problems the insurance company will request you to advance repair costs, but does not rule out now because of fierce competition in the insurance industry, insurance company also has Xianxingpeifu policy, of course, the first ask Xianxingpeifu conditions.

Traffic accident analysis of multi accident

   Of course, annoying or multi accident that most traffic accidents, collision accidents such as collision and other two vehicle or vehicle occurs, then please calm, first took out mobile phone call police telephone calls to police investigation at the scene, but if does not define the accident, please do not move the vehicle, need to wait for the traffic police the scene of the accident investigation, and to your insurance company called for.

Still the same...... First call insurance, alarm

There are several matters needing attention:

   If the third non motor vehicle, it is best to require the insurance company personnel in the on-site processing, directly reach the three party (the third party, the insurance company, the owner) a nuclear damage price accepted, if you can't check losses, in process of third party damage checking or, require the insurance company to give nuclear loss of price.

   Important:If not through insurance company allows third parties to agree, the amount of the claim of the commitment, the commitment to the insurance company is to have the right to overthrow, if prices and the third party to the approved requirements gap, this gap will by the owners themselves.

If the third party is the vehicle, is divided into the following two conditions:

   1: if the third parties agreed to repair and owners to owners selected repair factory on the spot, do not have to pay any cash third.

   2: if the third requirements to repair his own repair shop, is also say third and owners to different repair plant for vehicle repair, the third person may require the owner at the scene of the accident to pay part of the repair costs, or deposit or deposit. (because of fears that the post can not find the owner or owners not to recognize afterwards), remember: a site, pay, must establish the receipt; two, pay half the cost of repair is appropriate (because it may also occur after third not to recognize the situation)

Be or get out of danger after the best or wait for the traffic police to deal with

　　Important:Third party vehicle after the repair, the owner must first be repairs for delivery to the third or the third party selected repair factory, and then get the third repair invoices and repair list to the insurance claim, if the third do not provide relevant information or can not find the third, repair expense insurance company of the third is not paid.

　　Important:Although the above mentioned in the money, to the third party Li receipt, although this receipt is not as compensation for the receipt, but can at least avoid the third party after the fault condition. Because the third party after the repair, the owner must first be repairs for delivery to the third party or third party to choose the repair shop, if not the third party receipts, if not to recognize the situation, the owner should in the end in the third party vehicle after the repair, how much to pay?

Editor's summary:

Dealing with insurance companies you need to pay attention to

   1: evaluation of excessive loss of space, such as your car's front decoration bar crack need replacing, rather like a factory front decoration bar can cost $two thousand or three thousand, and a pair of plant before the decoration bar is charged only hundreds of yuan. But whether to give you change the accessories for the original, you would notice?

Small problems? Really don't have to

   2: claims records of confusion, after be or get out of danger, do not think that will give you the repair expenses good, because the last smile truly must be the last member of the damage or insurance intermediary and repair station, and though you can get the good repair, but you should be excellent quality has become a major accident, the more relationship to is your future insurance continued insurance costs, even worse may be the insurance company for your rejection, don't want to change an insurance company is good, now the insurance company for quality review the insurer than even the banks but also demanding.

You are the customers? You are inferior to the customer!

   3: sometimes, therefore the Commissioner may for some purpose to give you less daily repair project, so as to achieve the purpose of reducing the loss cost, you must see what projects as well as your car really need to repair what, refused to sign is your right, but if you have been fooled, vehicle in problems, quality assurance and insurance are not responsible.

For auto insurance, let many people rich

   4: sometimes the insurance company to not 4S shop repair station you specified, so it is possible for you to repair station repair project is to replace the original fittings, but finally to replace it with Auto Parts City, the low price of accessories, so the editors here suggest that, when the insured insurance, be sure to ask for you specify the repair station would be your car brand 4S shops, although the 4S store also is not so perfect, but at least the possibility of a problem is relatively small number.

4S stores not credulous......

   5: sometimes because of interest, specialist insurance company accident will be the responsible party secretly may confuse right and wrong, although the possibility of this thing is not too big, but after all, had a similar situation, so when you are in the "signature", "the contract" must see clearly the content above, so as not to cause the necessary loss.

To sign it before, must read clearly above write what

   6: the different needs of accident claims submitted to the insurance company documents or materials are also different. For example, vehicles must have the operation license, the driver must have the operation license; both sides to the traffic police accident responsibility book; unable to find third or third party to escape local police station to prove that traffic accident and report or filing receipt. The different insurance companies in different regions of the above requirements are slightly different.

Remember the car with his policy

   7: the loss amount has been approved. Because some projects may have to change a loss, unable to determine the amount in the field surveyor, only then back to company valuation, and then determine. So as a customer car before must ask whether the loss amount will change.

Certain clear responsibility...... Otherwise, you will be very depressed

   8: clear accident insurance liability, whether there is free with the rate of. Such as scratch insurance is 85% payment, third party payment escape is 70%, the problems we should pay attention to a little. Investigation in the determination of insurance responsibility to ask, how much is the Liability Insurance Company responsibilities.

Editor's summary:

   In fact, when dealing with insurance companies, 4S stores and insurance surveyor, very much like you in time and give tit for tat purchase a car sales consultant, so you need more read clearly, see clear those issued to you of restrictions and fetters is confuse right and wrong.