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