obscure provisions of the insurance company, this article teaches you in simple terms how to deal with insurance companies
(a) vehicle damage, third party
(b) 丢车
( c) collision
(d) claims
insurance policy refinement solution (a) - vehicle damage, we should first talk about the third party
Che Sunxian the most important 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 the earthquake) ★ ★
Case 2: If your car brakes in a , the car's windshield, causing stuff flew to break the glass. You say?
you honest on the insurance company said: \. . . . . \. . . . . Members of the claims will be pointed to his mouth: \statement of the facts
escape from danger: 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 in the trailer collided with another car when the
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: Again, if you are a boss, because some problems on the account book and friends fall out, and your friend is a villain, he secretly stole your car, your guess is he 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, 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), After the insurance company liable for dangerous condition of it?
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 agreement 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 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 the insurance company has not compensation, should the vehicle 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.
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 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)
then 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 sentence you to pay for 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! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! !
you should consult the other family members, and increase economic damages and loss of disability compensation,
360 funny and QQ., minimum compensation as far as possible the spirit, not of course, 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 law', 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,
ed hardy swimsuits, in short, the insurance company of generous expense Bai, Ha ha,
ed hardy uk!
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,
Buddhism and Taoism, 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 by yourself: (
So, if you do not have the economic capacity, in a hero Oh, to think about before!!!
insurance policy refinement solution (d) - claims
★ Insurance Case I: (must-see, as you've probably never heard said.)
car lost a friend, has been full insurance,
ed hardy clothes, my insurance company claims, failed, insurance company exclusions reasons: to check Vehicle Administration, this car is not inspection.
Case Study: Insurance behavior while the company is very reasonable, also in accordance with the provisions of insurance contracts: insurance is only effective for qualified vehicles, for vehicles not only as a failed annual inspection of vehicles, even if you are useless no matter how well maintained, the result can only White is lost lost, and insurance is also on the white-on, at most, the cash value of the insurance refund.
Case Conclusion: your car, be sure to schedule the annual inspection, after the extension must not, otherwise, fine things small, exclusions something big, this time even if a third party losses caused by traffic accidents, but also at your own expense, insurance, bought white: (
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 cases without repeat.
★ Insurance Case III:
This is a frequently asked question: I just bought the car, not on the license, the insurance is effective
explained :
vehicle in dangerous condition, the insured 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 agreement on the provisions of 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, people gradually getting hit still make do with the insurance company gives you wore, it is now clear of it!
★ insurance claims, the principle of evidence: (because there are n people ask this question,
Ed Hardy Sale, so here to make a solution)
Insurance few hours the situation claim
1, incident to come forward by the traffic team to solve the
penalties issued by the traffic team single or mediation, the court decisions, judgments can be used.
absolute good these materials so, certainly in the way insurance companies the green light. rest assured that claim good
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, as has often been suspected, the general is also very troublesome
Therefore, the best roads in the city on the Times report,
Calculate the price of your girlfriend, over 9999 to quickly marry it!, otherwise ----------- kill you!
3, minor accidents on the road, including stopping the cut rub
such need to prove that the principle is: if a third party, such as
Pei Fu a third party, or need proof of traffic team.
accident between the parties,
cheap ed hardy, such as a break, you can specify in the claim: accident third-party self-study, then the blame Che Sunxian claim, the insurance company If you prove to the traffic team to open, you got to bite the other promoted, says no to child away, and Insurance companies generally will not be too seriously. You have to promise to open the certificate, do not blame I did not warn you, you ran it, lose enough money to volatile oil money then!
4, the back of people hit by another car if
after causing car to escape, in serious cases can not find
more trouble, through the traffic team to resolve, by the insurance company subrogation.
not serious, it is best to resolve the claim to self-blame, but to claim the body is stuck on the other side note car paint, and the direction of collision, must justify itself, or you miserable!
Last remind you: when a report must be reported within 48 hours, or they may directly be exclusions!! Remember, remember , does not have to say within 48 to 48 ah!
chi we died a few years later
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