Vehicle insurance skills

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 puzzle, see if after harvest, please help me to the top of a! Including N danger cases, it has practical significance, and they hope to help everyone. The most clear explanation, only ordinary people can understand the insurance. (a) car damage, third (two) lost car crash (three) (four) claims

Insurance clauses (a) - car caustic solution, third we say first Che Sunxian's main and three party liability insurance. Car insurance and liability insurance are three basic insurance vehicle insurance, the main compensation is brought to 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 loss, the insurance company also according to compensate not mistake! this half right, most of the losses caused by natural disasters are lost, but the same except

Case 1: if your car has been building in the earthquake hit, haha response: after the earthquake a few days and then apply for compensation for loss 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: "towel box I fly hit the glass," wow......" (internal power is high enough, ha ha) "you miserable...... The adjuster will be pointing to self has mouth: "please look at my mouth

!" The right way to deal with: little change: a statement of fact claim I practiced iron tougong friends smashed windscreen in braking, OK! remember, the product inside the car hit the loss, the insurance company does not pay!

★ case 3: coping method if you in tow when another car collided: ignore some real things out statements: don't mention you in the towing vehicle or by others towing, 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 will to insurance company claim for compensation? Not on the glass insurance claim they can do to find it?? Line, absolute line! glass insurance's full name is: breakage of glass, is refers to the parking and caused by the use of glass damage, and accidents caused by the glass damage shall be responsible for compensation car caustic danger if you not dangerous on the glass, when you get up in the morning and found himself the car glass does not know by which the mixed egg broke, how do? Oh, the old tactics

The brakes caused, and head to blame!

A similar height to friends as a shield.)

The side of the glass is broken, said side head well,

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 don't understand?? Tell you, every car all risks probably between 2500-5000 (very good car, you do the math., I am not good at math)

There is no indemnity claim, for you will get 10% in a year when insured, the sum you do the math, if the claim amount is too small, 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. remember ah, once the lost car is something first, what 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 of ! Reduce the loss? Even so easy ah, the car lost, how do you cut ah? First, remember to have a look own insurance policy is on daochengjian vehicles. What , no You recognize bad luck, buy a car. If you're a 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, read my post down, otherwise you will regret it!

Case 1: the provisions of pilfer rush to deal with an emergency, the loss of the insured person driving permit, the original invoice, purchase a car vehicle purchase absolutely free surcharge per document a 0.5% increase. The absolute non lost car keys to increase 5 %. These provisions in the shallow color print, do not believe in the policy, you can come up with the list carefully to see , 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!

The custody of the responsibility, 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 on the surface is printed with loss no matter, but in a lattice contract according to the contract law in China, which belongs to the unilateral shift itself is responsible! You can rest assured bold told him good, ha ha, give you a good news, have won this lawsuit, 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 to point? Ha ha, I did not say what ah 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 that he did, you will find the insurance company for compensation? Tell you, the insurance company is not responsible for compensation.

Paragraph: the insured person and other civil and 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 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, a total risk, but not yet licence (now the traffic rules: 15 working days after examination of the rear can bring license)

The insurance company responsible for compensation? Is not responsible for compensation.

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 the specified period. But the specifically agreed to test new home insurance vehicle number plate issued can be responsible for car insurance and liability insurance for the three government departments. The responsible for the lost car for pilfer didn't work, naturally, you won't get . If you are not the summon enough courage change the lost time, to buy a new car if send a person! I can not say what all

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 during 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) - a tribute to hit the 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, want to minimize the loss, or come to me!

Example 1: suppose you are a novice, just borrowed a car (and maybe hire car)

Hou, the hit your brother, you know, this car has three liability insurance, you will find the insurance claim? Answer: if you go, you are neuropathy, 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 insurance under the vehicle personnel or property damages in the car under the victim. Popular speaking third is out of four kinds of people: the insurer, the insurer is the driver, car accident and their family members, risks 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, what I say

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.... You should how to 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 the Wuma change six

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 insurance contract compensation. And clearly defined the terms, because any mental damage caused by the insurance accident compensation liability exempted. So no matter the court does insured shall compensate the fine God 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 promised compensation for the spirit, in short, generous insurance company will chant, O

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 of claim to the third party, and directly to insurance company claim for compensation, the insurance company does not pay.

Compensation rights, also give up a claim against the insurance company for compensation rights. 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

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? certainly won't, insurance clauses written as clear as noonday intentionally, driver behavior is not in the compensation list, we can only own the car: so, if you do not have enough economic ability, the hero when prior to consider!

The insurance clause interpretation (four) - 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 full 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 according to the provisions are: insurance car only to qualified car effective vehicle for annual inspection, not can only be regarded as unqualified car car, even if your maintenance is again good trashy also, the result can only be lost white lost, insurance also on the white, or refund insurance

Conclusion: the case of your car, must be timely inspection, otherwise must not be postponed, fine things, small things, exclusions, this time even if the traffic accidents result in third loss, also will be borne by the yourself, insurance white bought the case solution: the annual inspection on time, even for a day, also don't be late; if unfortunately, remember also don't stand is 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: with the same driver limited, not do please pay attention, 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 at the time of the accident vehicle to explain: in insurance, vehicle must have two bar parts, one is the insurance vehicle shall be issued by the traffic control department of the public security vehicle license or license plate, two is within a specified period of time by the public security traffic management department inspection. but generally required to insurance after the new inspection issued by the number plate of vehicles can be responsible for car insurance and liability insurance for the three agreement especially so, when your car if unlucky, hit people what still do have insurance companies give you the top, now clear!

★ insurance claim proof principle because of the problem with N being asked, so a solution when several insurance claim 1, the traffic accident team to solve punishment or mediation book issued by the traffic team, after the court decision, the verdict can be used. These materials so absolutely, in the insurance company must have a green light. Rest assured that claims the 2, major accidents in the area: car damage is serious, or to the traffic team open to prove, very trouble usually rub: to residential property open to prove, because often suspicion, generally too much so, the best reported times in the city on the road, otherwise

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3, a small accident on the road, including when parking rub (up to this kind of accident in the altar DX) the need to prove that the principle is: whether it involves third parties involving third party payment, or the need to transport team card

As both the accident himself, can claim note: 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 not enough not enough money to do

4, the back someone was hit by another car, the car can not escape

In serious cases, more trouble, through traffic team solution, by the insurance company for compensation. Not serious, it is best to settle the claim to blame problems, but also in the claim notice body is stuck with the paint to the side car, as well as the direction of collision, must make out a good case, or you!

Finally remind you DX: report must be reported within 48 hours, otherwise it may directly be rejected!

Remember, remember, is not within the range of 48 to be 48!

★ you still lack what formalities, you weigh, do do it now