[reproduced] automobile insurance claims to Guinness

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  • / Author: Aaron Lewis
Very practical
When the vehicle damage occurs, the owner may be the car to dealers through the following four steps for vehicle damage claims.
The first step: inspection certificate to show three certificates and policy: the case of motor vehicle driving license, the driver license, identity card, the insured insured insurance second steps: initial bad car inspection vehicle loss position, bad car check, fill in the case of approval, a copy of all documents in third steps: camera loss insurance company personnel photo damage, fourth step: arrange processing opinion report timing according to case approval table contents. The key to determine the handover, pickup time tip: some dealers direct compensation amount is limited, such as Yazhijie bole, more than 2000 yuan more than the heavy case, requires owners to the insurance company to claim.
Insurance claims points
1 to protect the scene, rescue the wounded, quickly
To protect the scene, rescue the wounded and property, to retain the relevant evidence; immediately to the traffic administrative department or the accident processing departments. 48 hours to carry insurance certificate, driving license, driving license, the insured person's identity card to the insurance company official report.
If others to report, report generation proxy informant shall also carry identity cards and issued by the insured.
2 damage repair, solve the accident
Repair all the damage, must be approved by the insurance company claims, the approved projects and the amount of loss; loss after, can repair damaged vehicles; and third and accident treatment departments together to deal with the accident.
3 submit documents, receiving compensation
After the accident, in 10 days will claim document referred to the insurance company, insurance company claims by calculation; then, the insurance company will notify the receiving compensation; the receiving compensation, to bring the original insurance policy, the insured or the original account ID. Like other generation, on behalf of people with ID and issued by the insured to receive reparations "authorization".
4 special cases of the reporting procedures
When the vehicle is stolen or robbed, should inform the escape from danger to the police or the police team in 24 hours and notify the insurance company within 48 hours, at the same time, make a statement in the newspaper. In 48 hours to carry personal material to the insurance company to fill in "motor vehicle insurance claim notice", do not have to prove a carry including the original insurance policy, the insured vehicle driving license, the driver's driving license, is the original, id the insurer to original ID people.

Automobile insurance claims to deal with
Many drivers think: I bought a car, what the future I will go to the insurance company. But the personage inside course of study points out, do not think to buy insurance for your car is in the safe, some insurance companies are not the settlement. But the following a few strokes can be "Killing with Kindness", reduce the loss of the owner.
Do not lose one: the lost car parking charges, rub
Example: last year, Miss Jiao under test a driver's license, bought a golf. Every day she put her car in the parking area. Therefore, every months of MS Jiao also to property 300 yuan parking fees. In June this year, Miss Jiao early in the morning to go to work, find themselves lost in the area when the car park. Because miss Jiao is a novice, so the car is all risks, the loss of the vehicle, she reported to insurance companies and insurance company claim for compensation, but the answer is: those who lost his car in the parking fees, insurance companies do not lose!
Reason: in accordance with the provisions of the insurance company, all vehicles in the parking fees or business shop is stolen, the insurance company shall not be responsible for compensation. 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. Therefore, either the car, or be struck, the insurance company shall no matter.
Method: the right way is to find a parking lot to claim. Therefore, the driver must pay attention to parking charge parking fee receipt. Although many of the relevant provisions of the parking fees to write "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, such as can not be resolved through consultation, resort to the law, it has been won this kind of lawsuit.
Break two: no license car accident
Example: a Zhou had just bought a new car, is not on the card. Because the area no dedicated parking her car parked in the downstairs, on the night of her car was unfortunately stolen. She went to the insurance claim is rejected, the reason is: the car is not on the card, her insurance but not come into force.
Cause: the vehicle at the time of the accident vehicle claims in insurance, must have two conditions: one is the insurance vehicle shall be issued by the traffic control department of the public security experts driving permit or license plate; the two is the traffic management departments of public security experts inspected within a specified period of time.
Method: the new car before, be sure to protect your car was stolen and not. If your home downstairs unsafe, consider first temporarily put some security better parking fees. Although this parking fees spent some more, but lost the car more cost-effective than. Special tips: if you really do not worry, just watching the car! Until good handling procedures.
Break three: not the annual inspection of vehicles in danger
Example: a friend to open a Jetta 2 years, insurance every year, so the car's security is very confident. Not long ago, the loss of the vehicle. Go to the insurance company to claim, the insurance company is the answer: do not lose! Because the car had failed the inspection.
Reasons: according to the contract of insurance, insurance applies only to eligible vehicles, the vehicle can not part of deemed unqualified vehicles, in this case, you have insurance is white. People insurance company in science, who let you don't really take good care of my car?
Method: to tens of millions of annual inspection on time, even for a day, and don't be late. Otherwise, a small matter, exclusions. The car lost not lose, car damage can not lose, even if the occurrence of traffic accidents caused by the loss of third persons, three party insurance is not effective at all, compensation will be borne by your own, insurance white bought.
Break four: the driver is not limited
Example: this friend of Fukang car for 5 years, one day in 2004, in the normal running, because from passers-by into stone railing on the bridge. The personnel on the car did not suffer serious damage, but the vehicle was seriously damaged. The car is insured the car damage insurance, an insurance company, pilfer, three party insurance, non deductible insurance 4. Dante to report the insurance companies, the insurance company refused. Because this is not limited.
Reason: the driver is not examined, open the vehicle belongs to the unqualified vehicle, the insurance company can according to insurance contract to reject any claim.
Solution: seriously, don't be afraid of trouble, when the annual inspection to limited.
Break five: drove their own people
Example: a few years ago, Mr. Liu drove a Beijing jeep, approaching the door does not know how to engage in knocked down a pedestrian. Mr. Liu to get off a look, his wife MS ho. She was injured for more than a month of hospital, spent several million dollars.
His wife during hospitalization, Mr. Liu think this car on the three party insurance, can claim with the insurance company. The insurance company is two words: do not lose!
Reason: the third party liability insurance in third more, third is excluded 4 kinds of people: the insurer, the insured, the car accident drivers and their family members, the insured person's family members. Not only in the insurance, the relevant provisions in other liability insurance also.
Solution: don't tell people not to go, especially family.
Break six: full responsibility for each other you don't recover
Example: an early morning in April this year, Zhu driving misfortune and vehicle collision, serious injury. Because the other party drink illegally on the road, not my responsibility. But after the incident, they do not want to lose. Xiaozhu don't want to tell each other the entanglement, the direct claim to the insurance company. The insurance company refused.
Reason: the insured person must first claim to the third party, will it be possible to get the compensation of insurance company. Once dropped to the third party the right of recovery, will give up the right to demand compensation from the insurance company.
Solution: once the danger and responsibility is in the other side, we must first find them lose, fail (the best is proof that the enforcement court failed), can be in the right and self-confident for insurance.
■ malicious damage
Insurance companies do not lose
Ge Jinsong: some customers of the glass broke a small point, but in order to claim, the user simply will all play in the glass. As compensation for the purpose of.
Li Zhongqiang: this phenomenon has met, glass being collapsed to a very small dots. In the premise of not affecting the appearance and use, the technology is now available to repair, and repair, it does not affect the use effect. Effect should be replaced.
So we warn customer, replacement, and certainly not to the original car good sealing performance. Despite the price factor, we do not encourage users to easily replace. If the customer will be broken glass in order to achieve the purpose of claim. An act of insurance fraud, the insurance company will decline, serious will also be investigated for legal responsibility of the parties.
Owners: buy a new sail in the village stopped for three days, every day is a. This is not to compensate? If there is the rub?
Li Zhongqiang: it is not strictly in accordance with the provisions of compensation. In the area of malicious scratches and rub is different. Have the experience of claim is a member can be distinguished.
Xu Feng: I feel whether intentionally scratched, the insurance company should compensate. If it is made, the insurance company does not pay, the insured is usually cleverly disguise, so the insurance indemnity for more. I encountered such a situation. The door was drawn together, the insurance company that is malicious scratch, exclusions. After two days the insured to scratch, that is, another rub marks, is very likely to find a corner touched it. And then lost to six hundred or seven hundred yuan. This kind of phenomenon universal existence.
Li Zhongqiang: this situation does exist, but this will cause unnecessary damage to the car, on the other hand it is insurance fraud.
■ 10% preferential or claim
Owner: his car against a fingernail is big, small, has exposed the primer. Period immediately full a year, with 10% preferential or claim?
Li Zhongqiang: go to the claim, or when there are no 10% discount. But the specific circumstances of each person is different, different way taken. Some people may not care about, not the claim. Some owners very carefully, very love, go to insurance company claim for compensation. The original car after a long time of use, the paint will be oxidized, an injury that small, painting after repair may be related to the original factory paint color.
■ vehicles can not be repeated insurance
Owners: if my car insurance in the insurance company at the same time, after the traffic accident, I both report, Is it right? Two insurance companies for compensation.
Li Zhongqiang: property insurance can not be repeated insurance. If the two companies in the insured value is the same, and find the two companies claim in after be or get out of danger, the two companies will each lose 50%. And not through the insurance get an insurance compensation. Because the insurance is to compensate for the principle, not for profit. But as this operation also have problems, insurance companies need to transport team responsibility book, the document is only a. The owner may not provide two copies of the same original.
■ traffic accidents, how to claim
Owner: after a traffic accident, the insured to the insurance company when reported, mostly stressed his touch, his is the power and responsibility, to avoid another side of the insurance company, this trouble. For example: my car was rear ended, then the back of the car full responsibility. In order to claim the convenience, I would say that I hit. If the same home insurance company also does not matter.
Li Zhongqiang: currently the treatment of traffic accident involves responsibility problems. In most cases, to clearly define the responsibilities, whose responsibility, who should bear the cost more. So insurance companies sometimes require the owner issued by the relevant certificate of the accident to determine the responsibility. So we hope the owners truthfully report.
Ge Jinsong: the user's car and taxi collision, how to calculate the taxi cost?
Li Zhongqiang: Traffic Management Bureau "road traffic accident compensation standard" there are on the operation of the vehicle in compensation for the loss of special provisions. There are standards for medical expenses, payments, nursing fees.
Readers: if my car turned into the ditch, cannot run normally. Dial 122, traffic team crane and a trailer, then these costs should be who is out?
Li Zhongqiang: in accordance with the provisions, the insurance company agrees to rescue fees can be paid. But in order to reduce the cost of the insurance company will send a trailer, crane out of the scene processing.
■ field out where we should repair
Ge Jinsong: now the private cars on Saturday, Zhou Ripao is far from within a radius of 300 kilometers above, activities. After a traffic accident, the insurance company will require in the local repair. But the field repair station scarce, repair strength is relatively weak.
If it is in the local repair, repair time, repair two times no, revised three times is not enough, the delay time is more long, the owner of the waste energy, the car is not easy to use.
Drag to Beijing to build is the greatest desire of users, but the relatively high cost of the trailer. Tank car ordinary truck, car basic equipment is not up, hired a crane trailer, go, back to Beijing, and then hired a crane to unload. The trailer to gauge two-way reciprocal, crane is more expensive, a shift is 400 yuan. First, again and again, and then remove the crane will create three invoices, while insurance companies often only cover a.
Li Zhongqiang: there's no rule that must be dragged back to repair. One is in the local repair, another case is the owner himself to pull the car back; there is the insurance companies to find their own cars towed back to produce, the cost is not the same. Under normal circumstances are required in the local repair. The main reason is to avoid the car accident losses, but the repair scheme price can be negotiated. If the owner is required to pull the car back, also requires insurance companies to reimburse trailers and other rescue costs should be affirmed by the insurance company, in order to avoid after passing.
Ge Jinsong: repair level can't compliment the field. I have commissioned a user acceptance of Wendeng to Shandong, a car accident after be or get out of danger in the local repair. After the acceptance of that original parts car replacement without Beverly, all is false. After the test found that drove up the old in the bounce, the repair shop who explained that Shandong road. Later found out the reason, on the other side of the wheel also dented, but relatively few local insurance company claims experience, the loss is not set. In consultation with the director of the factory to repair, Fukang's special service station to buy accessories. From Wendeng has been found in Weihai, the service station is put some oil filter, other fittings are not full.
Over the weekend, Mr. Wang driving back to Beijing from his native Henan return. Driving on the way, and the left lane an emergency lane change car collided, left front headlight and the other car right rear door damaged. Mr. Li is the first time to dial the alarm telephone, and report to the insurance company.
Mr. Wang is waiting for more than two hours, only to see the insurance company surveyor. The surveyor from a big stack of loss and report sheet, pulls out Mr. Li's report records; and in 10 minutes, complete filling and loss of work.
The loss after the completion of the work, the loss will be advised Mr. Lee returned to the insured to repair, the reason is now does not affect the normal running function, once the need to repeat the repair, you can avoid commute.
Mr. Wang called again with the insurance company communication, insurance company also suggests Mr. Wang back for repair. And was told, in vehicle repair after the end, Mr. Wang can take relevant claim documents, receiving compensation.
Compared with the general insurance, vehicle insurance claims in different places, some matters should be paid attention to.
The report insurance companies have launched a nationwide telephone, such as PICC 95518, Ping An insurance, the insurance 95585, 95512. However, because the operation mode of each insurance company service platform, the admissibility of the case method and process also has a large difference. PICC customer reported in remote Chuxian, are handled directly by the local branch of the. Ping An insurance is slightly different, customer call in any area report hotline, will be directly transferred to the Shanghai based National Center for back-up.
The loss remote after be or get out of danger of loss is very important. At present, there are two kinds of damage modes available: out of nearby loss and return policy where the loss. Loss is the loss in the common mode of remote out of vehicles, by branch accepts direct the completion of the survey report, will be damaged. Must remind is, choose back policy where loss must be reported, and obtain the consent of the insurance company, or it may be the insurance company as Miss reporting period for processing. In addition, not all of the traffic accidents can take this loss, if the accident loss is larger or the occurrence of casualties, the vehicle must complete survey in the local.
Repair simple original car accident repair, in different danger situation, also need to pay attention to it. Many owners after be or get out of danger, without loss, on the choice of the first repair, are often unable to get insurance claims. According to the insiders, the car damage without affecting the normal running function, owners of local repair is not recommended. Because it is difficult to guarantee the quality of automobile repair, once the need to repeat the repair, the owner may need to commute.
Indemnity claims payable in also apply for and return policy is to receive two ways. It is understood, the vast majority of owners in order not to affect the trip to choose the latter. In accordance with the insurance pay national rules, the owner returned to the insured, can rely on to claim claim materials branch. But if the owners need the money, but also can apply for to receive reparations in danger, but must belong to the rapid settlement range.
A misunderstanding: the first repair expenses
Some of the owners, in the vehicle after be or get out of danger is not immediately report to the insurance company, but to find a repair shop, after working on the car and go to the insurance company claims, in fact, that they do not understand the general procedure of claim.
In fact, should be the first to call 110 to report after be or get out of danger, and get the police out of the accident responsibility book, in order to provide the relevant accident record of police.
In the traffic police after the treatment after the accident, the owner shall report to the insurance company, the insurance company will send the survey, loss, then for vehicle repair, finally submitted documents, payment.
If the owners do not report to the insurance company to repair the vehicle, the insurance company that claims at the time that the cost of high cost of repairing damage, the difference will be borne by the owners themselves. So first loss after repair, is to protect the interests of the insured.
Misunderstanding two: on liability accident
Some owners think anyway, insurance, accident responsibility identification is not important. In cognizance, some owners "not afraid" to assume responsibility, this is very dangerous. Because the insurance claim is based on the traffic police issued the responsibility confirmation.
For the third party liability insurance, the insurance company according to the severity of the responsibility of the owner, has formulated the different percentage. In confirmation of responsibility, the owner must be clear responsibility, not their responsibility must not assume responsibility, remember not to "on", to avoid future trouble.
Misunderstanding three: of course to lose
Consumers often like to enter a misunderstanding, think I bought insurance, accident he had lost the whole. In fact, according to the insurance act, not all of the accident can be full compensation.
It is understood, usually the insured in the insurance, often only investment has risks and compulsory purchase insurance, once the full liability claims, insurance to deduct 20% irrespective of percentage, which is only 80%, the rest to the insured bear.
The insured to be full compensation, premise condition is only the purchase of "non deductible additional risks".
In fact, for the non deductible insurance, also not necessarily can get full compensation.
Insurance companies in order to prevent "moral hazard", will for some particular accident, a separate franchise, the franchise is not belong to the non deductible range. As many claim, beyond the scope of travel, claims documents are incomplete and so on, the insurance company will add button franchise.
To find a less than third of the accidents, the insurance company usually find it difficult to objectively determine the actual accident responsibility as owners, the owners will not claim standard liability accident as claim reference basis, so the insurance company set up special plus button franchise.
Misunderstanding four: damage, repair, regardless of claims
Almost all owners are considered, and 4S stores combined loss is the actual repair costs, but also the amount of insurance claims.
In fact, the loss is the insurance program, the reason and repair factory joint damage, because the insurance company is not omnipotent, it wants to listen to the views of the 4S shop.
The 4S store cannot control the loss amount, the insurance company will according to the situation, given a reasonable amount of loss, damage once completed, the claim amount is determined.
As for how to fix the insurance company has nothing to do, by the owners and factory to determine the actual repair costs, as the car mainly may be higher or lower than the loss amount, and even repair locations may not help the loss of manufacturers.
Misunderstanding five: entrusted to repair factory claims
Many owners in order to avoid trouble, after the accident is not with the insurance company direct contact, will claim entrusted to the more familiar repair plant. Although very simple, but there are no small risk.
Some small scale, poor quality repair plant often use the trust of customers, for customers with cheap parts to repair, to expensive parts to insurance company claim for compensation, this repair plant can obtain the difference between different parts.
So if the insurance company that, owners need not only their own responsibility, will leave a bad record in the insurance company. If not be the insurance company discovered that, in the next owners will also increase because of the accident records, but not the rate of discount.
Price insurance Maoni more and less protection

As the saying goes: "to buy insurance, is to buy the rest assured." This is true, but really want to do 100 percent assured, consumers still have to keep their eyes open, in the process of buying insurance, as clear as noonday consumption. At present, with the rapid development of automobile industry, purchase insurance way also extends many. There are expensive, cheap, buy with the Proxy Companies clerk, with 4S shop...... Too many to count the number of insurance. In this case, many owners are often not know what course to take or blindly pursue low-cost. However, low-cost insurance no protection, and ultimately face is endless trouble and embarrassment.
In this regard, Chengdu East Mazda general manager Wang Wei said: "in general, the owners to buy insurance will not go to the insurance company to buy, is through a variety of channels for insurance agents. But in practice, some sales agent operation is not standard, for example, in order to attract owners insurance desire deliberately reduce premiums, commonly used method is: advise owners deliberately reported low prices, such as 400000 yuan to 300000 yuan insurance premium, thereby reducing; another is deliberately ignore franchise clause in, so as to realize the low premium. Because many owners to buy insurance, generally do not carefully read all the terms, only focus on premium much and bought what kinds of risks. And in fact the franchise more, premium will be cheaper, so, some clerk deliberately not to the owner introduced franchise, loopholes and attract customers to insure. Once the accident happened, the owner's interests will not get effective guarantee, insurance is not "insurance". Therefore, buy insurance can not only see the price. 4S shop why insurance will be more expensive, your will is secure, transparent information, shops will start from the owner's perspective, is suitable for the configuration of the insurance, the insurance can get comprehensive security."
Experts recommend
Buying insurance is the key to good service
"Now many ways to buy insurance, why the owners in the 4S store to buy insurance more secure?" Wang Wei said: "is a kind of guarantee insurance in the end to buy, this guarantee only through a valuable service to show. While the service value only when the accident occurred when the owner can experience. Buy insurance in the 4S shop, shop owners to provide the direction is covered insurance renewal, emergency rescue, accident insurance, accident repair and claim for compensation, the whole process of the "Butler" insurance services. Means that the insurance premium is reasonable, convenient, accident rescue, professional repair, pure accessories, the different claims, claims fast and a series of services and facilities. Comparing prices, although a little higher, but the insurance are different from ordinary commodities, the choice of insurance is more important to see the value of service experience; at the same time, buy insurance in the 4S shop, in fact, transfer to insure the owner is a peace of mind and peace of mind. Because the insurance services for the 4S shop, is an extension of the service, a shop 4S shop so much, certainly hope that good service owners, thus "main" -- car, because for every one owner, we will be very carefully to service. But compared to the insurance Proxy Companies, 4S shop customer service is much less, so also can service more meticulous. In addition, buy insurance accident car in the store to get perfect repair guarantee. Because of the small repair plant technology is not up to the requirements, and many of the original accessories on the outside of the repair factory is difficult to trace, will be bad vendors use the Deputy plant parts, this practice is a big security risk."
Car insurance ask why several
"I bought the insurance." More than 85% of the owners after the accident found the Claims Officer, first say is this sentence. The vast majority of the owners of insurance knowledge is very vague, but the first purchase a car group especially. In fact, full insurance and no real sense of "". The so-called "full", is merely a combination between several different types of insurance, the whole vehicle pilfer for example, parts and components such as the four wheels stolen is not in the scope of insurance. Buy insurance in addition to repair problems, deal with insurance scope and franchise, a little more understanding. Buy car insurance can not at first. The price is cheap, the exemption clause is more, should be to find a balance between insurance and price. The insured, the owner should carefully read the motor vehicle insurance clauses, ask why several. At the same time to focus on the insurance liability, franchise, non deductible and special agreement. The owners choose car insurance, should understand the consumer habits and characteristics of its own, according to the actual situation to select the risk protection.
Ordinary people can understand! Teach you to squeeze the last drop of insurance company
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 that flies 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.
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 pol.ice, 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 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 experts driving permit or license plate, two is the traffic management departments of public security experts inspected within a specified period of time. But the special agreement on regulation of public security experts department need to test new home insurance after the 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
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 under the command of the pol.ice, help pol.ice 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:
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 under the command of the pol.ice, help pol.ice 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:
The claim skills. (ZT)
A lot of people have cars, buy insurance, but only very one of car people over claims, so when what misfortune, the car was injured, holding that a policy of this do? It must not be confound at, otherwise "no officer, the first thirty strokes". Every time the accident happened may be the myriads of changes, but the only way in which, here to tell you about some basic steps and skill points, I hope useful for everyone.
Here to talk about is the basic step of claims:
First of all, after be or get out of danger, to notify the insurance company, insurance card is printed with insurance companies report telephone, provisions of insurance clause, submitted to the insurance company in 48 hours after be or get out of danger, otherwise the insurance company have the right to decline. Then again, if more than two days, generally will not give you (lose is human, not compensate is to make sense.);
Then, according to what you buy insurance of insurance and the insurance accident you were separately described.
1 if you buy only the third party liability insurance, which is divided into personal casualty liability insurance and liability insurance two. The following example illustrates a claims procedure:
One day, Xiao Li drove his car, at the corner, because Wang beyond the yellow line and driving a motorcycle collision, Li's car and car damage, and Wang injured, but also damage the motorcycle.
After the accident, at the traffic police, traffic police will be there, exploration of the cause of the accident, and then take photos and certificate of the accident, be responsible for the accident, in this accident, Xiao Li more double yellow line illegal traffic, take full responsibility, Wang's medical bills and his motorcycle repair fees by Xiao Li is responsible for compensation. The traffic police on duty, will arrange to meet the vehicle towed vehicle accident assessment center will be damaged, then can be repaired, but Wang by ambulance to the hospital for treatment. Although these and insurance relationship is not big, but know it. The next step is to do the work of insurance claims, insurance company is different in different settlement process, but most of them are the same. Is the first in the accident report to the insurance companies, the accident, insurance company often sent survey personnel to exploration, watching the accident is true, the insurance side of the vehicle to the responsibility and so on, and then will give the vehicle damage, a price list, temporary things. In the traffic police closed, traffic police will quote accident mediation and judgment, Xiao Li took the accident responsibility book, mediation, judgment and repair invoices, Wang's medical expenses invoice, medical records and the original insurance policy (photocopy), copy of ID card, driving license, the driver's license (copy that Xiao Li driver's license) copy, to insurance company claim for compensation, you can get a compensation of 10 working days.
If you buy the third party liability insurance is personal casualty liability insurance, third party vehicle and property loss is no compensation, only to buy the third comprehensive insurance will get compensation. Only buy third party liability insurance, the insurance company (except insurance outside) will have a franchise, franchise as follows: full responsibility for the 20% main responsibility, equal responsibility for 15%, 10%, 5% secondary liability, which is the highest to compensate 95%. So don't think to buy insurance on the Everything will be fine. oh.
2 if you buy the vehicle damage insurance and third party liability insurance, the following are examples of steps:
One day, Xiao Li driving cars on the road, accidentally encountered in corner stone head, so that the vehicle front bumper damage.
The expected loss amount will not exceed 1000 yuan, Li can be pulled to the insurance company's recommended repair plant, there is a loss to repair factory price right, help you claim it, you provide the original insurance policy (photocopy), copy of ID card, driver's license copy, good can be put on the car to walk repair the car, easy. If there is no non deductible purchase special risks, fill the deductible amount can lift car;
Expected losses amounting to more than 1000 yuan, should immediately call the insurance company telephone newspaper, listen to the report of personnel's instructions, such as survey personnel arrived survey and loss, then drove the car to the garage, repaired, bring all the documents [and] (1) the same and repair invoices to insurance company claim can be, can also be let the repair factory agent claims. If no non deductible purchase special risks, to fill the deductible amount to mention cars.
If you buy 3 based in the loss of vehicle insurance and third party liability insurance, also bought the breakage of glass, the following are examples of steps:
Xiao Li in the car in front of the house, the night wind, morning Xiaoli discovered stone cracked glass for vehicle.
Steps and above (1), as long as the car to the insurance company recommended repair plant, with complete information, changing the glass to be able to go, and all compensate, don't have any money, is cool.
If you buy 4 based in the loss of vehicle insurance and third party liability insurance, also bought the whole vehicle pilfer, the following are examples of steps:
Parked his car at the door Li night, second days up to find his car take wings to itself.
In this case, should be the first to the public security organs, and then report to the insurance company, run registration, within three months, the vehicle can't be found, can bring the certificate issued by the public security organs: theft proof, original policy, identity card, driving license, and the vehicle key to the insurance company. The claim, only get 80% of the compensation, and is in accordance with the vehicle actual value to compensate.
The above are relatively common, in the only way in which, if there is any salesman, in out immediately after the consultation, of course, is not a rainy day will be better, in no problem before ask how to do procedures, not "cramming".
Below should talk about skills:
For the small accident not too honest, otherwise it will only cause trouble to others, is riding the bicycle scratched paint, if the report directly to say to others scratched, then you are white reported, that in terms of said very clearly is the exception responsibility. You can quote you accidentally touched the branches or other hard objects to scratch, of course like that;
The accident occurred, ask each other what to buy insurance in the insurance company, if it is the same, that is too good, not to the traffic police trailer, not to the traffic police to go home, because home in me to police. Going back to the topic, if both sides are covered in the same insurance companies, it can be immediately reported to the insurance company, let it come to surveying, and then take the car to repair, if the car can't move, it is called the repair shop to save the car, anyway, these expenses are covered by the insurance company, is the "rescue fee";
Small incidents can go to a claim with the insurance company, took the money, then to repair the late, if again the second accident again repaired, it can save time!
If fast to insurance renewal time, the accident, then come and renew it, otherwise the trouble, renewal, claims can also delay, not to take their time to squeeze a half;
Insurance claims, have lost or not lost, can you write out after, how to write will have to lose? Indeed, it is not difficult to write, write properly have to spend bit of idea, of course you the insurance belongs to the scope of liability insurance, how to write can be honest, no problem, but if you are "edge ball", compensation may be not to pay, then write. Rub on a little inside, lose the probability is high, and that is too abstract? You would say that, I'm going to example. One day, you just parked in someone outside the house, the house, someone put a bottle thrown down on your car, then you have not found, returns home to find a body cavity, paint off a bit. In this case, you don't know what the insurance in place, time to report, survey personnel must have you asked a dumb, if you have prepared that is different. You put the scene changed to their homes outside, the bottle is yourself (or family) accidentally fell down and hurt, it will not have problems.

Automobile insurance claims deep water!
"Dealing with insurance companies is a door knowledge"! Many car owners on the road, through many times experience finally accumulation of such a high perspicacity. With several old owners, talked about how claims to insurance companies, these owners almost everyone has a copy of the.
Mr. Huang: "damage repair long in mind!"
Mr. Huang said, own the experience from friends experience. Mr. Huang's friend Mr. Li told the insurance before the trip, the car a little scrape, hope arrives car insurance company designated repair factory doing the maintenance. The insurance refreshed nod. Will the car repair factory, Mr. Lee will own the driving license, driving license, a copy of ID card, insurance card and other documents left, at left. Two days later, Mr. Li's colleagues in the same home repair garage that Mr Li's car had been too horrible to look at. Mr. Li rushed to repair factory, found that just a few day, the car is really lose one's beyond recognition, the insurance front bumper and front fender was dashed to deformation, headlights broken. Mr. Lee also found, repair factory hands more than a traffic police issued the "accident". Canvass just know, originally Lee car to the repair factory, be repair work on the road, opened more than 100 kilometers, and a car with the Insurance Company underwriting small passenger car collision.
Mr Wong commented: actually, a lot of people are repair factory and car insurance such collusion up fool. However, many people do not find. From a personal point of view, a good way to avoid this is never the car keys, driving license, driving license, a copy of ID card, insurance card "a bone brain" to repair plant.
Mr Zhou: "the loss amount is a mystery!"
Mr. Zhou has the traffic accident on the road. For the loss amount, Mr. Zhou and the insurance company has Each sticks to his own stand. The insurance company gives the loss amount is 4500 yuan, Mr. Zhou although understanding of the market is not big, but that 4500 yuan "fixed up" claims a bit mysterious. Mr. Zhou requires insurance companies to increase the amount of damage. Not to contend, surely deriding Mr Zhou throws a tempting promise: if you feel the loss amount is insufficient to fix the car repair shop, that can give you the dismantling of then repair costs, repair to how many lose. Think about the surveyor is be perfectly logical and reasonable, Mr. Zhou signed. But when Mr. Zhou came to the insurance company recommended repair shop, found a bit wrong situation. Originally, the repairman and insurance companies who seemed a bit "relationship". Mr. Zhou think should be replacement parts, repair work is that, not much wrong with it, fix it.
Mr. Zhou's comments: in the face of this situation, recommend owners stand, refused to sign the insurance policy, and urged the brand 4S shop to repair.
Mr. Zhao: "piercing eye exercises!"
Mr. Zhao said, this is my own experience and experience a lot of friends from. Mr. Zhao said, the claim to the insurance company, the owner is very easy in two aspects in order to gloss it over. First, the owner to the insurance company designated repair station surveying time, many owners because of traffic accident itself is still in chaos, but ignores the careful observation of the injury degree. In this process, does not exclude individual insurance surveyor report fewer repair project, low compensation. Secondly, some of the owners to see in the 4S store for loss, will feel more at ease. But in fact, if the loss of 4S shop major is not its vehicle sales brand, certainly not reserve the accident vehicle spare parts. A very common situation is to buy some non original production of cheap parts to the insured vehicle mounted.
Mr. Zhao commented: owners carefully check to the damaged parts of the car before the loss insurance company, insurance company deliberately ignored so as not to be. On the other hand, the owner if the purchase of insurance, in this brand 4S shop in general, after be or get out of danger in the 4S shop repair, accessories relatively secure.