Every insurance company the last drop of blood (car owners do not suffer)
The insurance company provision obscure, this article explain profound theories in simple language to teach you how to deal with the insurance company

(a) car damage, third
(two) lost car
(three) the crash
(four) a claim

Insurance clauses (a) - ListenCar damage, 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 - 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: 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 government report, 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 departments need to test the 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) -Car 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 '' the amount of compensation shall be paid according to law by the insured, but in accordance with the provisions of "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) -Claim demage

★ insurance case: (can not see, because you've never heard of.)
A friend lost car, has 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!

Material proof of principle ★ insurance claims: (because the problem is n 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
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 it, insurance companies generally will not be too serious. 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, can be composed of insurance subrogation.

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 everybody: 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!