Vehicle assurance claims tips Chuxian

vehicle insurance claims Chuxian
skills - absolutely useful posts, you have to treasure! ! ! (Want to make every riders can see)

dangerous condition of the vehicle insurance claim absolute skills

friends must have a car to buy car insurance. But now the insurance company's automatic insurance provisions, but it is full of traps!
Insurance Company today issued a document to disclose the traps and the provisions of the doubt, after seeing if there are acquisitions, the top one please help me!
hazardous condition, including N number of cases, they have real significance, we want to help.
most clear explanation, the only ordinary people can understand the insurance provisions.
(a) of the car damage, third party
(b) 丢车
(c) collision
(d) claims

insurance policy refinement solution (a) - vehicle damage, third party
Che Sunxian we first talk about the most essential and liability insurance.
Che Sunxian and liability insurance, vehicle insurance, basic insurance, the cardinal compensation for the loss of the insured vehicle and the vehicle in use by the insured losses in a third party!
you probably think even the loss of vehicles due to natural disasters, insurance companies are also not wrong according to recompense!
words of the half, maximum of the losses caused by natural catastrophes are lost, and merely, besides as -------- earthquake!

Case 1: If your car had the medal to be establishing in the earthquake hit it, ha ha
our approach: a few days after the earthquake, etc. to apply for state compensation
dangerous condition: the wall is probably caused by the earthquake disconnecting, and eventually fell in one day (not to mention the earthquake happen in real)

★ ★ Case 2: If your brakes in a car, the car's windshield, causing matter flew to crash the glass. You say?
you genuine on the insurance company said: . . . . . . . . . . Members of the claims will be pointed to his mouth: One of my friends practiced steel hand capability brakes broke the windshield, OK!
Remember, items inside the car hit by the loss underwent, the insurance companies do not lose it! !

★ Case 3: If you in the trailer collided with another car when the
our approach: bypass the truth that there is something dangerous condition
statement: Do not mention you or by others in the towing vehicle towing , or whether you have responsibility for the accident, the insurance companies will not pay

★ Case 4: If you are in an accident, broke his own on the glass,Women's Minnetonka Handbags, the glass and no insurance, you will be the insurance company claims?
to find someone not on the glass insurance claims work? ? Line, the absolute line!
risk is the full appoint of glass: cup breakage solo, is the use of stop and break occasioned by the glass, and glass damage occasioned by the occurrence should be responsible for Pei Fu Che Sunxian
insurance if you are not on the glass, while You find yourself up in the morn the car glass do not know which bastard was broken, and how to do it? ?
Oh, the old tactics caused --------- brakes meantime driving, but also the fault of the head! (Remember to find a elevation of about the same friends as a safeguard ah), if it is on the side of the glass is broken, hit his head when he said a good whirl, and Oh

Case 5: If your car crash, broke a mini light, you how to do it?
to find an insurance company, he definitely did not defiance not pay you, then you acquire? ? No, you are probably sacrificing the
not know? ? Tell you about entire hazards of each traffic between the 2500-5000 (also good a automobile, you are thought on their own, my math is not good), whether you are not in the one-year duration of warranty claims, you will be in the next acquired in 10% of the period warranty not claim dividend, this list You do the math, if the number of claims is too small, hey, so forget it. . . . . . . .

★ ★ ★ insurance policy refinement solution (b) - 丢车
I would like this document to Diuguo cars and may 丢车 friend,Men's Minnetonka Driving Shoes!
vehicle parking and use of the process will inevitably make people fret about asset, which is the most unfortunate entity 丢车, but, if you do as I say,Women's Minnetonka Knee Length, your loss will be reduced to a minimum .
remember, ah, once 丢车, the first thing to do What?
police?
wrong! Car has been lost, which so simple to quickly detect ah, you too morsel overestimating the competence of the Chinese JC, and still meditation about how to decrease the loss of it!
reduce losses? Which so easy ah, the car is lost, how to cut ah?
first remember my first look, there is no insurance on the vehicle Daoqiang Xian.
What, no? That you think it bad luck, if you purchase a bar on the Daoqiang Xian
, ahead of, I want apt congratulate you, your losses tin be lessened, yet, be careful ah! Then you must do is Bijin your mouth, the sense of perusing my post, otherwise you will rue it!

Case 1: Daoqiang Xian stipulates that the insured loss of driving license, car native invoice, certificate of surcharge addition of 0.5% each of the perfect deductible. Lost car keys, the perfect mushroom of 5% deductible. These provisions in the insurance policy using the lightest color print, do not believe that you can take a closer look at catalogue, surely in some inconspicuous edge can be found in this passageway.
So if you have a spare key had been lost, or you are to begin fleeing in the car with a opener, amuse remember to forget it, otherwise. . . . . . Loss of 5% of your own resistance to set the

Case 2: If your car pay parking lots or advertisement repair mart in the stolen, the insurance company liable for it?
answer is: do not lose! ! Because these locations the duty on the vehicle is kept in custody during the car damage caused by unfit concern administrator, lost, and the depository should be held amenable. Insurance company is not responsible for amends.
Therefore, the correct course is to look for parking lot claims, so each time I remember stopping parking invoice ah well received, however the wastage of the above printed stuff, but along to contract law provisions of the contract on the format, which is a single shirk his responsible side! You may recess ensured namely he told a good fearless, Oh, give you a good news has already been won this case, the abduction of the case to push the conviction of the case after the case to trial in accordance with this determination, ha ha!

Case 3: If you, your friends car park is open, or you find out from the side to the parking lot can not afford to Peifu your car, you can consider a change 丢车 site? Haha, I did not say ah
Case 4: Again, if you are a employer, because some of the problems on the account writing and friends fall out, and your friend is a villain, he secretly to steal your car, you surmised would be his act, you will find the insurance company to compensate it?
narrate you, the insurance company are not liable for compensation. Because of provisions: the insured human and others in civilian, economic discussions Erzhi vehicle was robbed, stolen for the exclusion of liability.
So, you can forget your big economic disputes directly to the public security office, remember, do not say that out of your surmise, otherwise you will pluck the monetary problems came to China, the efficiency of the court, you Within about six months out of the car had hit!

Case 5: If you just bought a current car, on the whole risk, but did not have time license (now the vehicle control regulations: inspection 15 working days after the license plate be brought), After the insurance company liable for dangerous condition of it?
not responsible for compensation. Because the dangerous condition, the insured vehicle must have 2 conditions, one insured vehicles to traffic management ministry of public security published driving allow or license plate, the second is the provision of traffic management during the period of the public security department of inspection. But in general, by special concert before the government required the insurance department below the number plate published after the inspection of new vehicles will be responsible for the Che Sunxian family and liability insurance. Therefore, the compensation dictate 丢车 Daoqiang Xian has not entered into compel, surely, you will not obtain compensation.
seems to change if you are not relied on guts about lost time, buy a new car even if given away! I did not say everything then ah
Case 6: If your car recovered, the insurance company how to deal with compensation?
robbery insurance vehicle was recovered, if the insurance company has not compensation, should the vehicle be returned to you, but during the whole car was mugging, the vehicle suffered damage or vehicle chapters, loss of ancillary equipment needed rational costs of fix, the insurance company to pay compensation. If the insurance companies have compensation, should be returned to your vehicle, while the corresponding recovery of reparations. If you do not want to recover the original car, the vehicle owned all the rights and interests of the insurance company.

insurance plan nicety solution (c) - Crash
I would like this document to hit a car and could crash a friend!
by the time the crash, the insurance company now lost it? Of course not
you just look at the hands of the policy seriously damages Disclaimer know, insurance companies have a lot of things that do not pay it, attempting to minimize the loss, or come to me, ha ha!

Case 1: Suppose you are a novice, just take a car (of course, contingencies are the rental car), on the road Lianju time to hit your brother, you know this car have liability insurance, you will find the insurance company claims?
Answer: If you go, you're lunatic, the insurance company will hit you kicked out, and why? ?
First, you must know what is obligation insurance, full name: third party liability insurance. (Third Party people may not care, Oh)

So what is the interloper?
manner any third party insurer and the insured in addition, because the insurance vehicle accident caused the insurer to persons or property under the vehicle suffered damage to the sufferer under the car. Popular third party is precluded from 4 varieties of people talk about: the insurer, the insured, the vehicle driver when the accident occurred and their family members, the insured person's family members.
now understand that you as a driver at the time, hit your family, insurance companies, instead of losing, well, you know how to do it!
what? Do not know? Mad at me, do not crash, another driver finished Well, truly, what I say out of injury
Case 2: If you were lucky ample to hit his car, and it is your responsibility to the whole, the court sentenced you to compensation You guarantee to pay compensations each other's economic loss, mental damages, weakness damages. . . . How do you handle with it? ?
also how to give money for it! Wrong!
you should consult the other family members, and increase economic damages and loss of disability compensation, minimum compensation as distant as possible the spirit, not of course, the better
Why? You asked me why? This namely not because six sheep, 5 horses
Well male, you are wrong, the insurance company is not completely unconditional commitment ', the insured value of compensation shall be paid according to law', but according to provisions for compensation. The clause plainly provides that an accident caused by assured damages of any morale for the exclusion of liability. Therefore, regardless of whether the court should be insured compensation for cerebral damages, the insurance companies are not responsible for compensation.
understand? ? Other insurance companies pay for you, regardless of spiritual loss may, therefore, favor to give each other money, they should not promise the spirit of compensation, in short, the insurance company of generous outlay Bai, Ha ha!

Case 3: If You're fortunate enough to crash, this time is not your responsibility, and the other party do not want to lose money, you can find an insurance company claims?
Answer: Yes, but you must first third-party claims, we can be an insurance company. If you give up claims to a third party the right to claim directly to the insurance companies, insurance companies do not pay. Because you give up the rights to a third party recovery, while also giving up the claim to the insurance company's rights.
So, memorize, remember, we have to work first to pay the additional party, it is best to enforce a tribunal testified unsuccessful, then you can see confidently to the insurance enterprise, leaving them wash up the mess despite the go, Who they are received each annual so many of your insurance does

Case 4: I remember used to have a bad driver under the mandate of JC, crashed into the escape of criminals is the result of two cars collided, and what is a Cana, the insurance company will pay him?
course not, plainly written in the insurance provisions,Children's Minnetonka Moccasin, the driver's intentional deed is not compensable, we can only nail the car yourself:
So, if you do not have the economic capacity of the hero ahead the Oh, to think about! !

insurance policy refinement solution (d) - Insurance claims
★ case one can not not see, because you've probably not listened of. )
Tan DX, one friend lost a well-known car, has been full insurance, my insurance company claims, failed, insurance company exclusions reasons: to retard Vehicle Administration, this car is not the annual inspection.
Case Study: Insurance Company action while, quite reasonable, also in accordance with the provisions of insurance contracts: insurance is only forcible on the passing vehicles, the vehicle can not be disqualified annual inspection of vehicles, even now no matter how good your maintenance needless, the result can only be lost white hurl, but also on the white on the insurance, the insurance money worth at the most back
Case Conclusion: your car, be sure to timetable the year inspection, after the extension must not, otherwise, discipline is a small matter, exclusions big thing, this time even now a third party losses caused by traffic accidents,Moccasins Shoes, but also at your own expense, insurance, bought the white case
solution: time inspection, even a daytime, and do not late;
If it happens, unfortunately, must remember that do not report to the police as presently as likely to cost money and then filled the inspection procedures for reporting claims procedures!
Sorry, equitable a burst of dizziness, I did not say? Said is nonsense

★ Insurance Case II:
and the same, without production the driver analyzed the note, and you pedal all the problems happen, the insurance company is not responsible for compensation, for causes alike to the before example, will not repeat them.

★ Insurance Case III:
This is a frequently asked question: I just bought the car, not on the license, the insurance is effective
explained:
dangerous condition when the vehicle insurance vehicle must have two conditions, one must have the insurance of vehicles issued by the traffic ministry department driving permit or license plate, the second is for a specified period by the public security traffic control department inspection.
but in general, by special provisions of the contract, the insurance must be issued after the inspection of new vehicles number plate could be responsible for Che Sunxian and liability insurance
So, when your car is missing even luck, hit the man Han The insurance companies still make do with you wore, it is now clear of it!

★ principle of insurance claims because the testify has N people asked this answer, so here to do a few hours to answer
insurance claim case
1, incident to come along by the traffic team to solve the
discipline issued by the traffic team single or mediation, the court decisions, judgments can be secondhand.
so that the substance is absolutely, definitely the way the insurance company the green light. Well, rest positive that the claim
2, in the area of a major accident
accident: the car damage is serious, or to open to traffic team proved too many trouble
general cut rub: the certificates to the community property,Minnetonka Moccasin, because often suspected, the general is also very troublesome
Therefore, the best roads in the metropolis on the Times report, otherwise ----------- slay you!
3, inferior accidents on the road, including stopping the hack rub
(such incidents occurring up to the altar in the DX)
such absence to prove the principle is: if a third party
involving a third party Peifu, or require testimony of traffic team.
accident between the parties, such as a break, you can specify in the claim: accident third-party self-study and self-blame by Che Sunxian the claim if the insurance company to transport teams to open your certificate, you must have to bite the Do not let go, say no to child away, and Insurance companies generally will not be too seriously. You must promise to open the show reproach I did not remind you that you ran away, precarious enough money to pay the fuel money to do

4, the back of people hit by different car if
after causing car to escape, incapable to find
location is more serious distress, via the traffic team to resolve, by the insurance company on benefit of recovery.
not solemn, it is best to decide the claim to self-blame, and claim to be in a viscous note if the other car body draw, and the direction of collision, must defend itself, or you pathetic!

caution you the last DX: When a report must be reported among 48 hours, or they may directly be exclusions! ! Remember, remember, do not must say within 48 to 48 ah!

★ what procedures you are still missing, his measure weigh, the office to running a bar