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Reprinted from 32899000 at 14:30 on August 6, 2010 Reading (loading. ..) Comments (0) Category: Utility Collection drain the last drop of blood, the insurance company (car owners read does not suffer)
obscure provisions of the insurance company, this article teaches you in simple terms how to deal with insurance companies
Let's first talk about the most important
Che Sunxian and liability insurance.
Che Sunxian and liability insurance, vehicle insurance, basic insurance, the main 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 compensate!
words of the half, most of the losses caused by natural disasters are lost, and only, except as -------- earthquake! ! ! !
Case 1: If your car had the honor to be building in the earthquake hit it, ha ha
our approach: a few days after the earthquake, etc. to apply for compensation
Chuxian statement: probably due to wall loosening caused by the earthquake, and finally fell in one day (not to mention the dangerous condition of earthquake)
Case 2: If your brakes in a car, the car's windshield, causing stuff flew to break the glass. You say?
you honest on the insurance company said: \. . . . . \
you are in big trouble. . . . . . Members of the claims will be pointed to his mouth: \
the correct way to deal with: a small change in the facts
Chuxian statement: One of my friends practiced iron hand skill brakes crashed the windshield, ok!
Remember, items inside the car hit by the loss suffered, the insurance companies do not lose it! ! !
Case 3: If you and another car in the trailer when the collision occurred
our approach: ignore the fact that there is something
Chuxian statement: Do not mention your tow vehicle or towing by others, 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, 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 name of glass: glass breakage alone, is the use of stop and damage caused by the glass, and glass damage caused by the accident should be responsible for Pei Fu Che Sunxian
If you are not on the glass insurance, when you find yourself up in the morning the car glass do not know which bastard was broken, and how to do it? ?
Oh, the old tactics caused --------- brakes while driving, but also the fault of the head! (Remember to find a height of about the same friends as a shield ah), if it is on the side of the glass is broken, hit his head when he said a good spin, and Oh!
Case 5: If your car crash, broke a little light, you how to do it?
to find an insurance company, he definitely did not dare not pay you, then you earn? ? No, you are probably sacrificing the
not understand? ? Tell you about all risks of each vehicle between the 2500-5000 (too good a car, you are considered on their own, my math is not good), if you are not in the one-year period of insurance claims, you will be in the next obtained in 10% of the time insurance no claim bonus, this account You do the math, if the number of claims is too small, hey, so forget it. . . .
vehicle parking and use of the process will inevitably make people worry about things, which is the most unfortunate thing ����, but, if you do as I say, your loss will be reduced to a minimum .
first remember my first look, there is no insurance on the vehicle Daoqiang Xian.
What, no? Bad luck that you think it, to me is useless, and buy a bar
If you are on the Daoqiang Xian, first of all, I want to congratulate you, your losses can be minimized, but, be careful ah! Then you have to do is Bijin your mouth, the sense of reading my post, otherwise you will regret it!
Case 1: Daoqiang Xian stipulates that the insured loss of driving license, car original invoice, certificate of surcharge increase of 0.5% each of the absolute deductible. Lost car keys, the absolute increase 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 list, certainly in some inconspicuous corner can be found in this passage.
So whether you have a spare key had been lost, or you are to start running in the car with a key, please remember to forget it, otherwise. . . . . . Loss of 5% against your own set it!
Case 2: If your car pay parking lots or commercial repair shop in the stolen, the insurance company liable for it?
answer is: do not lose! ! Because these places the responsibility on the vehicle is kept in custody during the car damage caused by improper care custodian, lost, and the depository should be held accountable. Insurance company is not responsible for compensation.
Therefore, the correct way is to look for parking lot claims, so every time I remember stopping parking receipt ah well received, although the loss of the above printed matter, but according to contract law provisions of the contract on the format, which is a single shirk his responsible side! You may rest assured that he told a good bold, Oh, give you a good news has already been won this case, the abduction of the case to push the principle of the case after the case to trial in accordance with this decision, 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 ���� site? Haha, I did not say ah
Case 4: Again, if you are a boss, because some of the problems on the account book and friends fall out, and your friend is a villain, he secretly stole your car, you guess would be that he had done, you will find the insurance company to compensate it?
tell you, the insurance company are not liable for compensation. Because of provisions: the insured person and others in civil, economic disputes Erzhi vehicle was robbed, stolen for the exclusion of liability.
So, you can forget your big economic disputes, reporting directly to the ** Remember, do not say that out of your suspect, otherwise you will pull the financial 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 new car, on the whole risk, but did not have time license (now the traffic control regulations: inspection 15 working days after the license plate be brought), the insurance after escape from danger is responsible for compensation?
not responsible for compensation. Because the dangerous condition,
belstaff sale, the insured vehicle must have two conditions, one must have the insurance vehicle traffic control department of public safety experts issued a driving permit or license plate, the second is for a specified period by the public safety experts inspected the traffic control department. But in general, by special agreement to the go-vern-ment must be the insurance department under the number plate issued after the inspection of vehicles could be responsible for the new Che Sunxian home and liability insurance. Therefore, the compensation charge ���� Daoqiang Xian has not entered into force, naturally, you will not get 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 anything then ah
Case 6: If your car recovered, the insurance company how to deal with compensation?
robbery insurance vehicle was recovered, if not indemnity insurance company, the vehicle should be returned to you, but during the whole car was robbery, the vehicle suffered damage or vehicle parts, loss of ancillary equipment needed reasonable costs of repair, 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.
as long as 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, trying to minimize the loss, or come to me, ha ha!
Case 1: Suppose you are a novice, just take a car (of course, chances 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 crazy, the insurance company will kick you kicked out, and why? ?
First, you have to know what is liability insurance, full name: third party liability insurance. (Third Party people may not care, Oh)
So what is the interloper?
means 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 victim under the car. Popular third party is excluded from four kinds 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, really, what I say out of harm
Case 2: If you were fortunate enough to hit his car, and it is your responsibility to the whole, the court sentenced you to compensation for your guarantee to pay compensations each other's economic loss, mental damages, disability damages. . . . How do you deal with it? ?
also how to give money for it,
belstaff coat!
wrong! ! !
you should consult the other family members, and increase economic damages and loss of disability compensation, minimum compensation as far as possible the spirit, not of course, the better.
Why? You asked me why? This is not a five-horse-for-six sheep Well
Dude, you are wrong, the insurance company is not entirely unconditional commitment ', the insured amount of compensation shall be paid according to law', but according to \The clause expressly provides that an accident caused by insured damages of any spirit for the exclusion of liability. Therefore, regardless of whether the court should be insured compensation for mental damages, the insurance companies are not responsible for compensation.
understand? ? Other insurance companies pay for you, regardless of spiritual loss may, therefore, prefer to give each other money, they should not promise the spirit of compensation, in short, the insurance company of generous expense 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, remember, remember, we must go first to pay the other party, it is best to enforce a court proved unsuccessful, then you can look confidently to the insurance company, leaving them clean up the mess despite the go, Who they are received each year so many of your insurance too!
Case 4: I remember used to have a bad driver under the command of jc, crashed into the escape of criminals is the result of two cars collided,
belstaff uk, and what is a Cana, the insurance company will pay him?
course not, plainly written in the insurance provisions, the driver's intentional act is not compensable, we can only fix the car yourself: (
So, if you do not have sufficient financial ability, to think about before a hero Oh! ! !
�� Insurance Case I: (must-see, as you've probably never heard of.)
car lost a friend, has been full insurance, my insurance company claims, failed, insurance company exclusions reasons: to check Vehicle Administration, this car is not the annual inspection.
Case Study: Insurance Company behavior while, very reasonable, also in accordance with the provisions of insurance contracts: insurance is only effective on the passing vehicles, the vehicle can not be disqualified annual inspection of vehicles, even if no matter how good your maintenance useless, the result can only be lost white cast, but also on the white on the insurance, the insurance cash value at the most back.
Case Conclusion: your car, be sure to schedule the annual inspection, after the extension must not, otherwise, fine things small, exclusions big thing, this time even if a third party losses caused by traffic accidents, will also be your own responsibility , White bought the insurance: (
case solution: schedule the annual inspection, even a day, nor night;
If it happens, unfortunately, have to remember that do not report to the police as soon as possible to spend money and then filled the inspection procedures for reporting claims procedures!
Sorry, just a burst of dizziness, I did not say? Said is nonsense
�� Insurance Case II:
and the same, without making the driver examined the note, and you drive all the problems occur, the insurance company is not responsible for compensation, for reasons similar to the previous example, without go into details.
�� Insurance Case III:
This is a frequently asked question: I just bought the car, not on the license,
belstaff online, the insurance is effective
explained:
dangerous condition of the vehicle, the insured vehicle must have two conditions, one must have the insurance vehicle traffic control department of public safety experts issued a driving permit or license plate, the second is for a specified period of traffic management by the public security department of inspection Expert qualified.
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, gradually getting hit pretty people make do with the insurance company gives you wore, it is now clear of it!
�� insurance claim evidence principles: (because there are n people ask this question, so do a one answer)
hours several cases of insurance claims
1, after the accident to come forward to solve the traffic team
penalties issued by the Traffic Team
single or mediation,
belstaff jackets outlet, the court decisions, judgments can be used.
so that the material is absolutely, definitely the way the insurance company the green light. Well, rest assured that the claim
2, accidents in the district
major incidents: the serious damage a vehicle, or to open to traffic team proved too much trouble
general cut rub: the certificates to the community property, as has often been suspected, usually a lot of trouble
Therefore, the best roads in the city on the Times report, otherwise ----------- kill you!
3, minor accidents on the road, including stopping the cut rub
such need to prove the principle is: a third party is involved
involving a third party Peifu, or require proof 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 blame I did not remind you that you ran away, uncertain enough money to pay the oil money!
4, most people back
if another car hit the post, causing car to escape, unable to find
situation is more serious trouble, through the traffic team to resolve, by the insurance company subrogation.
not serious, it is best to resolve the claim to self-blame, and claim to be in a sticky note if the other car body paint, and the direction of collision, must justify itself, or you miserable!
Last remind you: the reporting of cases must be reported within 48 hours, or they may directly be exclusions! ,
belstaff jacket! Remember, remember, do not have to say within 48 to 48 ah
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