Taiyuan Pingan Insurance which is better: car insurance, in what circumstances by the insurance company claims

Car insurance has become a car every day may encounter problems, what is the insurance claims? Most drivers are not very clear, the next Taiyuan Pingan Insurance for you about the compensation standards are listed below.

1, medical expenses: in medical range, calculated in accordance with the hospital to traffic accident trauma treatment the fees, payment credentials. 2, loss of working time costs: the parties have a fixed income, in accordance with myself because of fixed income lost calculation. 3, hospital food subsidies: traffic accidents took place in accordance with state organ staff travel food subsidy standard. 4, nursing fees: the injured in hospital, nursing staff have the income, calculated in accordance with the provisions of the delay fee; no income, calculated in accordance with the traffic accident took place an average cost of living.

5, disability living allowance: according to disability level, calculated in accordance with the traffic accident took place an average cost of living. Residual self month, compensation for 20 years. 6, disabled supplies: Appliance disability need preparation compensation function, with the hospital to prove that in accordance with the universal appliance costs. 7, pay funeral expenses: in accordance with the accident took place in the funeral expenses standard.

8, death compensation: calculated in accordance with the accident took place an average living expenses, compensation for 10 years. On the age of 16, every 1 years age by 1 years; for more than 70 years of age, each additional 1 years of age by 1 years, the lowest average of not less than 5 years. 9, living expenses for dependents: according to the calculation of traffic accidents occur in the living standard subsidies. For people under 16 years of age to 16 years of age dependency. The ability to work without people raising 20 years.

Transportation fees and accommodation fees, according to the actual necessary expenses and related calculation, payment credentials. You know auto insurance have all these kinds of automobile insurance in the end what type? What circumstances can get compensation? Get what compensation after be or get out of danger? In five minutes you spend reading the following content only, will help you claim at the time of the accident insurance and.

A vehicle damage insurance insurance liabilities: the insured or the allowed qualified driver in the use of vehicle insurance, because the causes of loss, the insurance company responsible for compensation: Insurance around the vehicle insurance vehicle insurance accident happens to the vehicle collision, rollover accidents caused by fire, explosion caused by vehicles from outside the object collapse, air operations object crashes, insurance vehicle parallel fall caused by driving loss following natural disasters caused by the loss of vehicle insurance: lightning, storm, flood, storm, tornado, tsunami, cave, ice fall, cliff collapse, landslide, debris flow, disaster insurance vehicle ferry carrying the suffering caused by natural disasters on the loss of vehicle insurance

Compensation for the project: the reasonable expenses including the accident vehicle and loss of vehicle to take the reasonable rescue and protection measures of the expenditures of the deductible amount: according to your accident responsibility size, in accordance with the amount of compensation 5%-20%. Deductible 20% negative total liability, deductible 15% primary responsibility, equal responsibility for the negative 10% franchise, franchise 5% negative secondary responsibility.

Two. Third party liability insurance: Liability Insurance: insured or allow qualified driver in the use process of vehicle insurance, accident, direct damage causes the third suffers from a personal injury or property, in accordance with the law shall be the amount of compensation is paid by the insured, the insurance company in accordance with the "road traffic accident treatment measures" and the agreement of the contract of insurance compensation.

Compensation for the project: third party liability insurance compensation in accordance with the "road traffic accident treatment measures" provisions of the scope of compensation, standard project, as the insurance indemnity basis. Specific compensation shall be specified in the insurance contract, eliminating the exception responsibility part, the specific contents listed in auto insurance except responsibility section. The deductible amount: according to your accident responsibility size, in accordance with the amount of compensation 5%-20%. Deductible 20% negative total liability, deductible 15% primary responsibility, equal responsibility for the negative 10% franchise, franchise 5% negative secondary responsibility.

Three. Vehicle liability insurance, liability insurance: insurance vehicle accidents, resulting in the loss of cargo and vehicle casualties and treatment costs, the insurance company liability. Compensation for the project: the scope of compensation, the car casualties items and standards "provisions of the road traffic accident treatment measures" as a standard, but not exceeding the insured seats and the agreed amount of insurance. Specific costs include: personnel of the rescue costs, medical expenses, loss of working time charges.

The deductible amount: third party liability deductible ratio of no fault liability insurance: Insurance vehicles in use process, because of the traffic accident and non motor vehicles, pedestrians, the direct damage caused by other casualties and property insurance, vehicle side no fault, and refused to compensate the insured has failed, for payment to the other expenses and unable to recover the cost, the insurance company responsible for compensation.

Compensation for the project: according to "road traffic accident standard treatment approach to road traffic accidents" and out of area, in the insurance indemnity compensation. Deductible amount: every accident meet 20 of the amount of compensationFour. Whole vehicle pilfer insurance: insurance car whole car theft, robbery, the police criminal investigation department at or above the county level for verification, not accounted for more than three months, the insurance company responsible for compensation

Compensation for the project: theft insurance amount insurance vehicle grab, but limited to the actual value of the whole car insurance vehicle stolen, robbed, by the cost of repairing the damaged or missing parts and auxiliary equipment of the deductible amount: the amount of compensation of 20% breakage of glass insurance: windscreen of the vehicle and window glass occurred alone broken, the insurance company responsible for compensation. Compensation for the project: according to the agreement, respectively, according to the actual costs of domestic or imported to buy a glass of the deductible amount: no

Five. New equipment loss insurance: when the direct damage to the vehicle collision accidents caused by the car of new equipment, the insurance company according to the actual loss compensation. Compensation for the project: if new equipment parts damage, the compensation for the actual repair. If additional equipment damage, compensation in the amount of insurance. The deductible amount: with the loss of vehicle insurance deductible proportion

Six. The spontaneous loss insurance: Liability Insurance: as a result of the car circuit, circuit, fuel system faults and the goods themselves on fire, or as a result of the car of new equipment for causes of the fire vehicle losses, the insurance company responsible for compensation. Compensation for the project: when the vehicle has a part of the loss, according to the actual repair costs for repairs. If the car spontaneous combustion whole burnt or have lost value of the repair, the vehicle at the time of the accident compensation in accordance with the actual value, but not exceeding the insured amount deductible amount: 20 of the amount of compensation

Seven. Non deductible special insurance, insurance liability insurance: the insurance of insurance, vehicles in the vehicle damage insurance and third party liability insurance by the insured person to undertake the deductible amount, whether one or more times the insurance accident, were given compensation. Compensation for the project: the loss of vehicle insurance and third party liability insurance in the amount of compensation in accordance with the deductible amount themselves insurer.The deductible amount : No, not all insurance can play thirty percent off

In the part of insured interest "thirty percent off car" problem, CIRC Fujian Bureau relevant personage points out, "thirty percent off insurance" as a common name is not standard, "thirty percent off insurance" is actually part of vehicles to meet the specific requirements of the discount given to the insured, the insurance. The insurance clauses and premium rate by the China Insurance Regulatory Commission for approval, the insurance companies must be strictly enforced.

The insurance business insurance insurance companies according to each car, car insurance, age, insurance type specific conditions such as vehicle insurance floating rate, different floating, the lowest for "thirty percent off" preferential. Insurance compulsory insurance, first year insurance premium vehicles, neither floating nor to float downward, according to the claim of the floating up and down, up to "ten percent off" to enjoy preferential. In addition, CIRC Fujian bureau also pointed out that, according to the "insurance law" stipulates: insurance companies not to promise the insurant, insured or other interests other than those stipulated in the insurance contract or the beneficiary of the insurance premium rebate in the insurance business, or the illegal behavior.