Case 5: If your car broke a small light when it crashed, what should you do?
Looking for an insurance company, he would never dare not lose you, so you made a profit? ? No, you probably lost it,
didn’t you understand? ? Let me tell you that the full insurance for each car is about 2500-5000 (too good cars, you can do it yourself, I am not good at math), if you do not claim during the one-year insurance period, you will be in the next You will get a 10% no-indemnity preferential treatment when you apply for the insurance every year. You can calculate this account yourself. If the number of claims is too small, hey, just forget it. . . . . . . .
★★★A detailed explanation of insurance clauses (2)
-Lost a car , I would like to give this document to friends who have lost a car and may have lost a car!
It is inevitable that vehicles will be annoying during the process of parking and use. Among them, losing the car is the most unlucky thing. However, if you do what I said, your loss will be minimized.
Remember, once you lose your car, what is the first thing to do?
Call the police?
wrong! The car has been lost, so it's so easy to find it right away. You may have overestimated the ability of China JC, so think about how to reduce the loss!
Reduce losses? It's so easy. I lost my car. How can I reduce it?
First of all, remember to check whether there is a vehicle theft rescue in your insurance policy.
What, no? Then you are unlucky and buy another one.
If you are in a thief rescue, first of all, I want to congratulate you, your loss can be minimized, but be careful! What you have to do at this time is to close your mouth and read my post steadily, otherwise you will regret it!
Case 1: The thief insurance stipulates that the insured loses the driving license, the original vehicle purchase invoice, and the vehicle purchase surcharge certificate each item is an absolute deductible of 0.5%. Loss of car keys will increase the absolute deductible by 5%. These regulations are printed in the lightest font in the insurance policy. If you don’t believe me, you can take out the list and take a closer look. You will find this passage in an inconspicuous corner.
So no matter if you have a spare key ever lost, or if you have a key in the car you drove away, please remember that you must forget this, otherwise. . . . . . 5% of the loss, you have decided on your own.
Case 2: If your car is stolen in a toll parking lot or a commercial repair shop, will the insurance company be responsible for compensation?
The answer is: do not lose! ! Because the above-mentioned places are responsible for keeping the vehicles, the custodian shall bear the responsibility if the vehicle is damaged or lost due to improper custody of the custodian during the storage period. The insurance company is not liable for compensation.
Therefore, the correct way is to find the parking lot to claim compensation. Therefore, remember to collect the parking fee receipt every time you stop. Although it is printed on it as lost, it is a unilateral shirk according to the provisions of the contract law of our country on the format contract. Responsible! Don't hesitate to sue him boldly, hehe, here is good news, someone has already won such a lawsuit, so according to the principle of retrospect, future trials can be judged according to this case, haha!
Case 3: If the parking lot is owned by your friend, or you inquire from the side that this parking lot is simply unable to pay for your car, can you consider changing the location of the lost car? Haha, I didn’t say anything.
Case 4: Again, if you are a boss and you fall out with your friend because of some account problems, and your friend is a villain, he secretly took your The car was stolen. You guessed it was him. Will you seek compensation from the insurance company?
Let me tell you that the insurance company is not responsible for compensation. Because the clause stipulates that the insured shall be exempted from liability if the vehicle is robbed or stolen due to civil and economic disputes with others.
Therefore, you can forget about your economic disputes and report directly to the Public Safety Experts Bureau. Remember, don’t tell your suspicions, otherwise economic issues will be involved. With the efficiency of the Chinese courts, you I have to take a taxi out in about half a year!
Case 5: If you have just bought a new car and are fully insured, but you have not had time to obtain a license (current traffic control regulations: the license can only be obtained after 15 working days after the vehicle is inspected), will the insurance company be responsible for compensation after the accident? ?
Not responsible for compensation. Because in the event of an accident, an insured vehicle must meet two conditions. One is that the insured vehicle must have a driving license or number plate issued by the public safety expert traffic management department; the second is to pass the inspection by the public safety expert traffic management department within the specified period. However, in general, newly-entered vehicles that require insurance and then inspection and issuance of license plates by the go-vern-ment department are specifically agreed to be responsible for vehicle damage insurance and three liability insurance. Therefore, the burglary rescue that is responsible for compensation for lost car has not taken effect, and naturally, you will not get compensation.
It seems that if you don't have the courage to change the lost time, your new car will be a gift! I didn't say anything.
Case 6: If your car is lost and recovered, how does the insurance company handle the compensation?
After the stolen insured vehicle is retrieved, if the insurance company has not compensated, the vehicle should be returned to you. However, during the period of the stolen vehicle, the damage to the vehicle or the loss of vehicle parts and auxiliary equipment need to be repaired. The insurance company is responsible for compensation. If the insurance company has already compensated, it should return the vehicle to you and recover the corresponding compensation. If you do not want to take back the original car, all rights and interests of the car belong to the insurance company.
Detailed Explanation of Insurance Clauses (3)-Crash
I would like to give this document to friends who have crashed and may crash!
As long as it is a crash, does the insurance company pay for it? Of course it’s not that
you just have to look carefully at the exemption clauses of the policy compensation in your hand. The insurance company has a lot of things that cannot be compensated. If you want to minimize the loss, you should come to me, haha!
Case 1: Suppose you are a novice, you just borrowed a car (of course it may be a rental car), and you hit your brother while practicing on the road. You know that this car has three liability insurance, you will Do you need an insurance company to make a claim?
Answer: If you go, you are insane and the insurance company will kick you out. Why? ?
First of all, you need to know what is the three liability insurance, full name: third party liability insurance. (It doesn't matter if the third party intervenes in others, haha)
So what is the third party?
The third party refers to the victim under the vehicle, excluding the insurer and the insured, who suffered damage to the persons or property under the insured vehicle due to the accident of the insured vehicle. Popularly speaking, the third party is to exclude four kinds of people: namely, the insurer, the insured, the driver and his family members in the accident of the vehicle, and the family members of the insured.
Now I understand that, as the driver at the time, the insurance company will not compensate you for hurting your family members. Well, you know what to do!
what? Don't know yet? I'm so
irritated. If you change the driver and hit it, it will be over. Really, it made me say everything. Case 2: If you are lucky enough to drive and hit someone, and it is all your responsibility, the court will award you compensation for the other party. Economic loss, mental loss, and disability loss. . . . How should you deal with it? ?
What can be done, just give the money! wrong!
You should discuss with the other party’s family members to increase compensation for economic losses and disability damages, and try to minimize mental compensation. Of course it’s better if it
doesn’t. Why? You ask me why? It’s not about five horses for six sheep,
brother, you’re wrong again, the insurance company does not unconditionally fully bear the amount of compensation that the insured should pay according to law, but in accordance with the provisions of the "Measures for Handling Road Traffic Accidents" and the insurance contract Compensation. The clause clearly stipulates that any compensation for mental damage caused by an insurance accident shall be exempted from liability. Therefore, regardless of whether the insured should be compensated by the court, the insurance company is not responsible for compensation.
understood? ? Other insurance companies will pay for you, and the mental losses are ignored. Therefore, I would rather give the other party more money than promise mental compensation. In short, be generous to the insurance company, ha ha!
Case 3: If you are lucky enough to crash again, it is not your responsibility this time, and the other party does not want to lose money, can you seek a claim from the insurance company?
Answer: Yes, but you must make a claim to a third party before you can get compensation from the insurance company. If you give up the right to claim against a third party and directly file a claim against the insurance company, the insurance company will not compensate. Because you gave up the right to claim compensation from a third party, you also gave up the right to claim compensation from the insurance company.
So, remember, remember, you must first seek compensation from the other party. It is best to have a proof of unsuccessful enforcement by the court, and then you can go to the insurance company with confidence, and let them clean up the rest of the mess. Who will let them? I have charged you so much insurance premiums every year.
Case 4: I remember that a hapless driver, under the command of JC, crashed into a criminal who was fleeing. As a result, the two cars collided. It was a miserable situation. The insurance company would pay. him?
Of course not. The insurance clause clearly states that the driver’s deliberate actions are not included in the compensation, so you can only repair the car yourself:
So, if you don’t have enough financial capacity, you must consider it before becoming a hero! !
Detailed Explanation of Insurance Clauses (4)-Claims
★You must read insurance cases, because you may not have heard of them before. )
A well-known DX friend in the altar lost a car. He was fully insured and sought an insurance company to make a claim. The claim was unsuccessful. The reason for the insurance company’s refusal was to check with the vehicle management office.
Case study: What the insurance company did is very reasonable, and it is also based on the provisions of the insurance contract: insurance is only effective for qualified vehicles, and vehicles that have not been inspected annually can only be regarded as unqualified vehicles. No matter how well you maintain it, it is useless. The result can only be lost, and the insurance is in
vain . At most, return the insurance cash value. Case conclusion: Your car must be inspected on time and must not be delayed. Otherwise, the fine will be small and the compensation will be refused. big, this time even if a third party losses caused by traffic accidents, but also you will be responsible, white bought the insurance
case solution: schedule the annual inspection, even if one day, nor night;
if the unfortunate does happen, remember one thousand Do not report the case immediately, pay the money as soon as possible to complete the car inspection procedures and then go through the procedures for the report and claim!
Sorry, I was dizzy just now, did I say anything? It is nonsense to say
★Insurance case 2: It is
similar to the above, please note that the driver's annual review has not been done, and the insurance company is not responsible for compensation for all problems that occur during your driving. The reasons are similar to the above example and will not be repeated.
★Insurance case three:
This is a frequently asked question: I have just bought my car and have not yet received a license plate. Does the insurance take effect?
Explanation: When the
vehicle is in danger, the insured vehicle must meet two conditions. One is that the insured vehicle must have a public safety expert. Traffic management The driving permit or number plate issued by the department is passed the inspection by the public safety expert traffic management department within the specified period.
However, it is generally agreed that new vehicles that require insurance before inspection and issuance of number plates can be responsible for car damage insurance and three liability insurance.
Therefore, if your car is lost at this time, it is unlucky, and if you hit someone or something, you can still be insured. The company will support you, now it's clear!
★The principle of proof of insurance claim materials. Because this question has been asked by N people, here
are several situations when answering insurance claims.
1. The
traffic team will issue a penalty or mediation statement if the accident is resolved by the traffic team, and the court will decide. , Just use the verdict.
These materials are absolutely easy to use, and they will definitely be the green light for insurance companies. Rest assured claims Well
2, the accident occurred in the district of
a major accident: the serious damage a vehicle, or to the traffic team proved too much trouble
general cut rub: to the community property to prove, as has often been suspected, generally a lot of trouble
so , It is best to report the incident on the city road, otherwise-----You will be exhausted!
3. Small accidents occur on the road, including scratches during parking
(the most frequent occurrence of DX in this kind of accidents)
. The principle of such proof is: whether a third party is involved,
such as third-party compensation, or a traffic team certification is required .
If both parties in the accident break on their own, you can specify in the claim: the third party repairs the accident, and then claims according to the self-responsibility in the car damage insurance. If the insurance company asks you to go to the traffic team to issue a certificate, you must bite it. Just say that there is no place to go, and insurance companies generally don't take it too seriously. You have to agree to issue a certificate. Don’t blame me for not reminding you. Just run away. The loss may not be enough for gas
.
If the hit-and-run car escapes after being hit by another car,
it will be more troublesome if it cannot be found in a serious situation. It has to be solved by the traffic team, and the insurance company can recover it on its behalf.
If it is not serious, it is best to use self-blame to solve the claim, and pay attention to whether there is paint on the other's car and the direction of the collision when making a claim. You must justify yourself, otherwise you will be miserable!
Finally, I would like to remind you DX: you must report the case within 48 hours, otherwise you may be directly denied compensation! ! Remember, remember, if you are not within 48, you have to say 48!
Looking for an insurance company, he would never dare not lose you, so you made a profit? ? No, you probably lost it,
didn’t you understand? ? Let me tell you that the full insurance for each car is about 2500-5000 (too good cars, you can do it yourself, I am not good at math), if you do not claim during the one-year insurance period, you will be in the next You will get a 10% no-indemnity preferential treatment when you apply for the insurance every year. You can calculate this account yourself. If the number of claims is too small, hey, just forget it. . . . . . . .
★★★A detailed explanation of insurance clauses (2)
-Lost a car , I would like to give this document to friends who have lost a car and may have lost a car!
It is inevitable that vehicles will be annoying during the process of parking and use. Among them, losing the car is the most unlucky thing. However, if you do what I said, your loss will be minimized.
Remember, once you lose your car, what is the first thing to do?
Call the police?
wrong! The car has been lost, so it's so easy to find it right away. You may have overestimated the ability of China JC, so think about how to reduce the loss!
Reduce losses? It's so easy. I lost my car. How can I reduce it?
First of all, remember to check whether there is a vehicle theft rescue in your insurance policy.
What, no? Then you are unlucky and buy another one.
If you are in a thief rescue, first of all, I want to congratulate you, your loss can be minimized, but be careful! What you have to do at this time is to close your mouth and read my post steadily, otherwise you will regret it!
Case 1: The thief insurance stipulates that the insured loses the driving license, the original vehicle purchase invoice, and the vehicle purchase surcharge certificate each item is an absolute deductible of 0.5%. Loss of car keys will increase the absolute deductible by 5%. These regulations are printed in the lightest font in the insurance policy. If you don’t believe me, you can take out the list and take a closer look. You will find this passage in an inconspicuous corner.
So no matter if you have a spare key ever lost, or if you have a key in the car you drove away, please remember that you must forget this, otherwise. . . . . . 5% of the loss, you have decided on your own.
Case 2: If your car is stolen in a toll parking lot or a commercial repair shop, will the insurance company be responsible for compensation?
The answer is: do not lose! ! Because the above-mentioned places are responsible for keeping the vehicles, the custodian shall bear the responsibility if the vehicle is damaged or lost due to improper custody of the custodian during the storage period. The insurance company is not liable for compensation.
Therefore, the correct way is to find the parking lot to claim compensation. Therefore, remember to collect the parking fee receipt every time you stop. Although it is printed on it as lost, it is a unilateral shirk according to the provisions of the contract law of our country on the format contract. Responsible! Don't hesitate to sue him boldly, hehe, here is good news, someone has already won such a lawsuit, so according to the principle of retrospect, future trials can be judged according to this case, haha!
Case 3: If the parking lot is owned by your friend, or you inquire from the side that this parking lot is simply unable to pay for your car, can you consider changing the location of the lost car? Haha, I didn’t say anything.
Case 4: Again, if you are a boss and you fall out with your friend because of some account problems, and your friend is a villain, he secretly took your The car was stolen. You guessed it was him. Will you seek compensation from the insurance company?
Let me tell you that the insurance company is not responsible for compensation. Because the clause stipulates that the insured shall be exempted from liability if the vehicle is robbed or stolen due to civil and economic disputes with others.
Therefore, you can forget about your economic disputes and report directly to the Public Safety Experts Bureau. Remember, don’t tell your suspicions, otherwise economic issues will be involved. With the efficiency of the Chinese courts, you I have to take a taxi out in about half a year!
Case 5: If you have just bought a new car and are fully insured, but you have not had time to obtain a license (current traffic control regulations: the license can only be obtained after 15 working days after the vehicle is inspected), will the insurance company be responsible for compensation after the accident? ?
Not responsible for compensation. Because in the event of an accident, an insured vehicle must meet two conditions. One is that the insured vehicle must have a driving license or number plate issued by the public safety expert traffic management department; the second is to pass the inspection by the public safety expert traffic management department within the specified period. However, in general, newly-entered vehicles that require insurance and then inspection and issuance of license plates by the go-vern-ment department are specifically agreed to be responsible for vehicle damage insurance and three liability insurance. Therefore, the burglary rescue that is responsible for compensation for lost car has not taken effect, and naturally, you will not get compensation.
It seems that if you don't have the courage to change the lost time, your new car will be a gift! I didn't say anything.
Case 6: If your car is lost and recovered, how does the insurance company handle the compensation?
After the stolen insured vehicle is retrieved, if the insurance company has not compensated, the vehicle should be returned to you. However, during the period of the stolen vehicle, the damage to the vehicle or the loss of vehicle parts and auxiliary equipment need to be repaired. The insurance company is responsible for compensation. If the insurance company has already compensated, it should return the vehicle to you and recover the corresponding compensation. If you do not want to take back the original car, all rights and interests of the car belong to the insurance company.
Detailed Explanation of Insurance Clauses (3)-Crash
I would like to give this document to friends who have crashed and may crash!
As long as it is a crash, does the insurance company pay for it? Of course it’s not that
you just have to look carefully at the exemption clauses of the policy compensation in your hand. The insurance company has a lot of things that cannot be compensated. If you want to minimize the loss, you should come to me, haha!
Case 1: Suppose you are a novice, you just borrowed a car (of course it may be a rental car), and you hit your brother while practicing on the road. You know that this car has three liability insurance, you will Do you need an insurance company to make a claim?
Answer: If you go, you are insane and the insurance company will kick you out. Why? ?
First of all, you need to know what is the three liability insurance, full name: third party liability insurance. (It doesn't matter if the third party intervenes in others, haha)
So what is the third party?
The third party refers to the victim under the vehicle, excluding the insurer and the insured, who suffered damage to the persons or property under the insured vehicle due to the accident of the insured vehicle. Popularly speaking, the third party is to exclude four kinds of people: namely, the insurer, the insured, the driver and his family members in the accident of the vehicle, and the family members of the insured.
Now I understand that, as the driver at the time, the insurance company will not compensate you for hurting your family members. Well, you know what to do!
what? Don't know yet? I'm so
irritated. If you change the driver and hit it, it will be over. Really, it made me say everything. Case 2: If you are lucky enough to drive and hit someone, and it is all your responsibility, the court will award you compensation for the other party. Economic loss, mental loss, and disability loss. . . . How should you deal with it? ?
What can be done, just give the money! wrong!
You should discuss with the other party’s family members to increase compensation for economic losses and disability damages, and try to minimize mental compensation. Of course it’s better if it
doesn’t. Why? You ask me why? It’s not about five horses for six sheep,
brother, you’re wrong again, the insurance company does not unconditionally fully bear the amount of compensation that the insured should pay according to law, but in accordance with the provisions of the "Measures for Handling Road Traffic Accidents" and the insurance contract Compensation. The clause clearly stipulates that any compensation for mental damage caused by an insurance accident shall be exempted from liability. Therefore, regardless of whether the insured should be compensated by the court, the insurance company is not responsible for compensation.
understood? ? Other insurance companies will pay for you, and the mental losses are ignored. Therefore, I would rather give the other party more money than promise mental compensation. In short, be generous to the insurance company, ha ha!
Case 3: If you are lucky enough to crash again, it is not your responsibility this time, and the other party does not want to lose money, can you seek a claim from the insurance company?
Answer: Yes, but you must make a claim to a third party before you can get compensation from the insurance company. If you give up the right to claim against a third party and directly file a claim against the insurance company, the insurance company will not compensate. Because you gave up the right to claim compensation from a third party, you also gave up the right to claim compensation from the insurance company.
So, remember, remember, you must first seek compensation from the other party. It is best to have a proof of unsuccessful enforcement by the court, and then you can go to the insurance company with confidence, and let them clean up the rest of the mess. Who will let them? I have charged you so much insurance premiums every year.
Case 4: I remember that a hapless driver, under the command of JC, crashed into a criminal who was fleeing. As a result, the two cars collided. It was a miserable situation. The insurance company would pay. him?
Of course not. The insurance clause clearly states that the driver’s deliberate actions are not included in the compensation, so you can only repair the car yourself:
So, if you don’t have enough financial capacity, you must consider it before becoming a hero! !
Detailed Explanation of Insurance Clauses (4)-Claims
★You must read insurance cases, because you may not have heard of them before. )
A well-known DX friend in the altar lost a car. He was fully insured and sought an insurance company to make a claim. The claim was unsuccessful. The reason for the insurance company’s refusal was to check with the vehicle management office.
Case study: What the insurance company did is very reasonable, and it is also based on the provisions of the insurance contract: insurance is only effective for qualified vehicles, and vehicles that have not been inspected annually can only be regarded as unqualified vehicles. No matter how well you maintain it, it is useless. The result can only be lost, and the insurance is in
vain . At most, return the insurance cash value. Case conclusion: Your car must be inspected on time and must not be delayed. Otherwise, the fine will be small and the compensation will be refused. big, this time even if a third party losses caused by traffic accidents, but also you will be responsible, white bought the insurance
case solution: schedule the annual inspection, even if one day, nor night;
if the unfortunate does happen, remember one thousand Do not report the case immediately, pay the money as soon as possible to complete the car inspection procedures and then go through the procedures for the report and claim!
Sorry, I was dizzy just now, did I say anything? It is nonsense to say
★Insurance case 2: It is
similar to the above, please note that the driver's annual review has not been done, and the insurance company is not responsible for compensation for all problems that occur during your driving. The reasons are similar to the above example and will not be repeated.
★Insurance case three:
This is a frequently asked question: I have just bought my car and have not yet received a license plate. Does the insurance take effect?
Explanation: When the
vehicle is in danger, the insured vehicle must meet two conditions. One is that the insured vehicle must have a public safety expert. Traffic management The driving permit or number plate issued by the department is passed the inspection by the public safety expert traffic management department within the specified period.
However, it is generally agreed that new vehicles that require insurance before inspection and issuance of number plates can be responsible for car damage insurance and three liability insurance.
Therefore, if your car is lost at this time, it is unlucky, and if you hit someone or something, you can still be insured. The company will support you, now it's clear!
★The principle of proof of insurance claim materials. Because this question has been asked by N people, here
are several situations when answering insurance claims.
1. The
traffic team will issue a penalty or mediation statement if the accident is resolved by the traffic team, and the court will decide. , Just use the verdict.
These materials are absolutely easy to use, and they will definitely be the green light for insurance companies. Rest assured claims Well
2, the accident occurred in the district of
a major accident: the serious damage a vehicle, or to the traffic team proved too much trouble
general cut rub: to the community property to prove, as has often been suspected, generally a lot of trouble
so , It is best to report the incident on the city road, otherwise-----You will be exhausted!
3. Small accidents occur on the road, including scratches during parking
(the most frequent occurrence of DX in this kind of accidents)
. The principle of such proof is: whether a third party is involved,
such as third-party compensation, or a traffic team certification is required .
If both parties in the accident break on their own, you can specify in the claim: the third party repairs the accident, and then claims according to the self-responsibility in the car damage insurance. If the insurance company asks you to go to the traffic team to issue a certificate, you must bite it. Just say that there is no place to go, and insurance companies generally don't take it too seriously. You have to agree to issue a certificate. Don’t blame me for not reminding you. Just run away. The loss may not be enough for gas
.
If the hit-and-run car escapes after being hit by another car,
it will be more troublesome if it cannot be found in a serious situation. It has to be solved by the traffic team, and the insurance company can recover it on its behalf.
If it is not serious, it is best to use self-blame to solve the claim, and pay attention to whether there is paint on the other's car and the direction of the collision when making a claim. You must justify yourself, otherwise you will be miserable!
Finally, I would like to remind you DX: you must report the case within 48 hours, otherwise you may be directly denied compensation! ! Remember, remember, if you are not within 48, you have to say 48!