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[Transfer] auto insurance Raiders, lawyers recommended blood, drain the insurance company last drop of blood! Reprinted from barefoot angels are reproduced in at 14:16 on March 21, 2010 reading (1) Comments (0) Category: Personal diary reports obscure provisions of the insurance company, this article instructes you how to in simple terms and Insurance Company deal!
(a) of the car damage, third party
(b) 丢车
(c) collision
(d) claims
insurance policy refinement solution (a) - vehicle damage, and the third Let's first talk about who 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 architecture in the earthquake hit it, ha ha
our approach: a few days after the earthquake, etc. to apply for state compensation
dtemperous condition: probably due to wall loosening caused by the earthquake, finally fell in one day (not to mention the dangerous condition of the earthquake) ★ ★
Case 2: If your brakes in a car, the car's galeshield, causing stuff flew to interval the glass. You say?
your honest insurance company, said: \. . . . . \. . . . . Members of the claims will be pointed to his mouth: \A friconclusion in the iron hand skill practivityiced braking crashed the breezeshield, ok!
Remember, items inside the car hit by the loss suffered, the insurance companies do not lose it! ! ! ! ! ! ★ ★ ★ ★ ★
Case 3: If you in the trailer collided with another car when the
our approach: ignore the fact 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, 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 risk of the length is the full name
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 ydistancelf up in the morning the car glass do not know which bastard was broken, and how to do it? ?
Oh, the old truleics of driving --- when the brakes caused is 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. . . . . . . . ★ ★ ★
insurance policy refinement solution (b) - 丢车
I would like this document to Diuguo cars and may 丢车 friend!
vehicle parking and use of the mode will inevitably make people worry about things, which is the most unfortunate thing 丢车, but, if you do as I say, your loss will be abated to a minimum .
first remember my first look, there is no insurance on the vehicle Daoqiang Xian.
What, no? That you think it bad luck, Hanako is of no use to me, if you buy a bar 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 in the provisions of the insured Diushi driving license, car birthal invoice and vehicle purchase surcharge voucher with every increase of 0.5% 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 cclosedownr 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 detract abase 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 丢车 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 to steal your car, you guessed would be his doing, 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 directly to the public security bureau, 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, the insured vehicle must have two conditions, one insured vehicles to traffic management department of public security issued driving permit 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 assentment before the government required the insurance department under the number plate issued after the inspection of new vehicles will be responsible for the Che Sunxian home and liability insurance. Therefore, the compensation charge 丢车 Daoqiang Xian has not entered into force, naturally, you will not get compensation.
seems to deviate if you are not relied on guts about lost time, buy a new car even if given astep! 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 ancilldiffer 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.
insurance policy refinement solution (c) - Crash
I would like this document to hit a car and could crash a friend!
as long as the crash, the insurance company now lost it? Of course not, you only have to seriously look at the hands of the policy benefits Disclaimer know, insurance companies do not pay a lot of things that do, want to minimize the loss, or come to me, ha ha!
Case 1: Suppose you are a novice, just take a car (of course, opportunitys 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 insane, 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)
then 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 victim under the car. Popular third party is ruled out of four people say: that the insurer,[link widoczny dla zalogowanych], 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 accomplished 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 You 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!
wrong! ! ! ! ! ,[link widoczny dla zalogowanych]! ! ! ! ! ! ! ! ! ! ! !
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 procedure, the better.
Why? You asked me why? This is not for six sheep, five horses
Well man, you are wrong, the insurance company is not entirely unconditional commitment ', the insured amount of compensation shall be paid according to constitution', but according to \provisions for compensation. 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 quit 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, 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 the economic capacity of the hero before the Oh, to think about! ! !
insurance policy refinement solution (d) - claims
★ Insurance Case I: (must-see, as you've probably never heard of.)
dx altar in a well-known friend lost a car, has been full insurance, my insurance company claims, failed,[link widoczny dla zalogowanych], 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 fractiony losses caused by traffic accidents, will also be your own responsibility , White bought the insurance:
case solution: schedule the annual inspection, even if one day, nor night;
If it happens, unfortunately, have to remember that do not report to the police as soon as possible to spend money to inspection procedures procedures for reporting claims and then filled!
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 force all the problems occur, the insurance company is not responsible for compensation, for reasons similar to the previous example , will not go into details.
★ 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 of the vehicle, the insurance vehicle must have two conditions, one must have the insurance of vehicles issued by the administration of public security and traffic driving permit 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 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 here to make a solution)
insurance claims after midnight several situations
1, incident to come forward by the traffic team to solve the
punishment issued by the traffic team single or mediation, the court decisions, judgments can be used.
absolute so that these materials, certainly in the way insurance companies the green light. Well, rest assured that the claim
2, in the district of a major accident
accident: the car damage is serious, or to open to traffic team proved too much trouble
general cut rub: the certificates to the community property, because often suspected, the general is also very problemsome
Therefore, the best roads in the city on the Times report,[link widoczny dla zalogowanych], or ---? kill you!
3, minor accidents on the road, including terminationping the cut rub
(such incidents occurring up to the altar in the dx)
such need to prove the principle is: if a third party
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, the back of people hit by another car if
after 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 dx: the reporting of cases must be reported within 48 hours, or they may directly be exclusions! ! Remember, remember, and not have to say within 48 to 48 ah.