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1、车辆理赔（Vehicle claim settlement）The vehicle accident insurance claim skillA car friend must have bought a car insurance. But in todays insurance companies, car insurance is a trap!Today, the insurance company issued disclosure provisions of the traps and puzzles, see if after harvest, please help me t
2、o the top of a!Including N danger cases, it has practical guiding significance, we hope to help.The clearest explanation; the only insurance clause ordinary people can understand.(1) car damage, the third party(two) lose the car(three) crash(four) claimThe insurance clauses of (a) - car damage, thir
3、dLets start with the major risk of car damage and three liability.Vehicle damage insurance and three liability insurance are the basic risks of vehicle insurance, which mainly compensate for the losses of the insured vehicles and the losses caused by the insured vehicles in use to the third party!Yo
4、u may think that even if natural disasters cause vehicle losses, the insurance company will pay for it!Half of this, most of the losses caused by natural disasters are lost, but the same except earthquake continually!Case 1: if your car was lucky enough to be hit by a building in an earthquake, ha h
5、a!Answer: after a few days after the earthquake and then apply for compensationStatement: due to the earthquake caused danger about wall loosening, finally one day in the fall (not to mention the earthquake danger)2. Case: if your car in an emergency brake, the cart flew to the windshield glass caus
6、ed by rupture. What should you say?You honestly to the insurance company said: my tissue box flew up and hit the glass, wow. (internal strength is high enough, ha ha)Youre miserable. The adjuster will point to their mouth: please look at my mouth -NO!The correct response: a small change in the facts
7、Claim statement: one of my friends did iron head smashed the windshield on the brakes, OK!Keep in mind that the insurance company will not pay for the loss caused by the collision of the articles in the car!This case 3: if you are in the trailer and another car collided whenThe answer: ignore the fa
8、ctsStatement: dont mention you in danger of towed vehicle or towing by others, or whether or not you are responsible for the accident, the insurance company will not payThis case 4: if you are in an accident, breaking the glass itself is not dangerous on the glass, you can claim to the insurance com
9、pany?No glass risk, looking for someone elses claim can do? Yes, absolutely!The full name of glass risk is glass breakage. It means the damage of glass caused by parking and use. The glass damage caused by the accident should be paid by the car damage insuranceWhat if you dont have glass insurance?
10、When you get up in the morning and find your car glass doesnt know which asshole broke it, what do you do?Oh, the old tactics - - - - - - car brakes caused by the head is to blame! (remember to find a friend about the same height as a shield.),If the side of the glass broke, it said that when the he
11、ad hit the side of the well, oh!Case 5: what would you do if your car broke a small light when it crashed?Looking for insurance companies, he absolutely dare not lose you, then you earned it? No, you probably have to pay for itDont you get it? Tell you, every car insurance is at about 2500-5000 (a g
12、ood car, you forget it, I am not good at math), if you do not claim in the insurance period of one year, NCD you will get 10% in the next year when the insured, the bill if you do the math. The claim number is too small, ah, so come on.* * * insurance clauses (two) - Diuju.I dedicate this article to
13、 a friend who lost his car and who may lose his car!In the process of parking and use, the car will inevitably cause trouble. Among them, losing cars is the worst thing to do. But if you do as I say, your losses will fall to the lowest point.Remember, whats the first thing to do when you lose your c
14、ar?Call the police?Wrong！ The car has been lost, and its so easy to find it right away. You are too overestimating Chinas JC capability, or think about how to reduce the loss!Reduce losses? Its so easy. How about losing the car?First of all, remember to look at your insurance policy and see if there
15、 are any vehicles on the train.What, no? Well, you dont think so. Lets buy another oneIf you go to the rescue, first of all, I would like to congratulate you, your losses can be reduced to the minimum,But be careful, too! At this point, you have to do is close your mouth, and read my post, or you wi
16、ll regret it!Case 1: theft emergency provisions, the insured lost driving permit, the original purchase invoices, vehicle purchase additional vouchers, each increase of 0.5% of the absolute free of charge. The loss of the car key increases 5% of the total cost. These rules are printed in the lightes
17、t font of the insurance policy. No, you can take a list and have a closer look. Youll find it in an inconspicuous corner.So regardless of whether you have a spare key once lost, or is to be run in your car with a key, please remember to forget this thing, otherwise. 5% of the losses are against youC
18、ase 2: if your car is stolen in a parking lot or a business repair shop, is the insurance company responsible for the damage?The answer is: no compensation! Because the above-mentioned places have the responsibility of keeping the vehicle, the safekeeping personnel shall be held responsible for the
19、damage or loss of the vehicle due to the bad custody of the safekeeping party. The insurance company is not responsible for compensation.So the right way is to find the parking lot to the claim, so every time when parking the parking fee receipt remember to accept ah, although emblazoned with the lo
20、ss of matter, but according to the provisions on the format of the contract in the contract law of our country, it belongs to unilaterally shirk their responsibility! Although you can rest assured that he is a good man, ha ha, give you a good news, someone has won such a lawsuit, so according to the
21、 principle of pushing back the case,Later cases can be judged in accordance with this case, ha ha!Case 3: if the parking lot is opened by your friend, or if you hear from the side that the parking lot is unable to pay for your car, can you consider changing the location of the lost car? Ha ha, I did
22、nt say anythingCase 4: again, if you are a boss, because some problems on account of falling out with friends, and your friend is a villain, he stole your car stolen, you guessed it, you will find the insurance company claims?Tell you, the insurance company is not responsible for compensation?. Beca
23、use the provisions of the provisions: the insured due to civil and economic disputes with others and the vehicle was robbed or stolen as liability exemption.So, you can forget your economic disputes, directly to the Public Security Bureau, remember, dont say you suspect, otherwise it will bring econ
24、omic issues involved, to Chinese courts work efficiency, you probably have a taxi to go out within half a year!Case 5: if you have just bought a new car, the insurance, but not enough time to licence (now the traffic control regulations: 15 working days after the inspection shall receive license), a
25、ny insurance company responsible for compensation?Not responsible for compensation. Because at the time of the accident, the vehicle insurance must have two conditions, one is the vehicle insurance shall be issued by the public security traffic management department or driving license plate, two by
26、the traffic administrative department of the public security inspection within the specified time period.But generally agreed upon, the provisions of the government departments need to be insured after the examination, issue a license plate of new homes, vehicles may be responsible for car damage in
27、surance and three liability insurance. Therefore, the theft of vehicles responsible for the theft has not come into effect, naturally, you can not get compensation.It seems that if you dont dare to change the lost time, the new car will be sent away! I didnt say anythingCase 6: if your car is stolen
28、, the insurance company claims how to deal with?The stolen vehicle insurance grab back, if the insurance company has yet to claim, the vehicle should be returned to you, but the whole car stolen during the vehicle damage or loss of car parts and auxiliary equipment need to fix a reasonable costs, th
29、e insurance company responsible for compensation. If the insurance company has compensated, the vehicle should be returned to you, and recover the corresponding compensation. If you do not wish to take back the original car, all the interests of the vehicle belong to the insurance company.The insura
30、nce clauses (three) - crash.I dedicate this article to a friend who crashed into a car and may crash!As long as the crash, the insurance company all compensate? Of course notYou just need to take a look at the insurance policy and the exemption clause. You know, the insurance company has a lot of th
31、ings to pay. If you want to minimize the damage, come to me, ha ha!Case 1: if you are a novice, just borrowed a car (or maybe rent a car), when practicing the car on the way, to hit your brother, you know that this car has three liability insurance, you will find the insurance company claims?Answer:
32、 if you go, you are insane,The insurance company will kick you out, why?First of all, you have to know what the three liability insurance, full name: third party liability insurance. (third party people no matter, ha ha)So what is the third party?The third party refers to the victim who is injured u
33、nder the vehicle except the insured and the insured who have suffered damage to the vehicle or property under the insured vehicle due to the accident of the insured vehicle. Popular speaking, the third is to exclude four kinds of people: that is, the insured, the insured, the driver of the accident
34、and his family members, the insured family members.Now I see, you hurt your family as the driver of the time, and the insurance company didnt pay for it. Well, you know what to do!What? Not yet I was mad, a driver hit the finished thing, really, and what I sayCase 2: if you have the opportunity to h
35、it his car, and it is your responsibility, the court sentenced you to compensate your Baopei other economic loss, mental damages, disability damages. What should you do about it?What else can I do? Give me the money! Wrong！You should consult with the other family, increase economic losses and disabi
36、lity compensation, as far as possible to minimize mental compensation, no, of course, the betterWhy? You ask me why? This is not the five horses for six sheep.You are wrong again, old man, and the insurance company is not unconditionally and fully responsible for the amount of compensation the insur
37、ed should pay in accordance with the law,But in accordance with the road traffic accident handling measures and the provisions of the insurance contract. The articles clearly stipulate that any compensation for mental injury caused by an insurance accident shall be exempted from liability. Therefore
38、, the insurance company is not responsible for compensation, whether the court decides whether the insured person should compensate for the mental loss.Got it? Other insurance companies pay for you, the spirit loss regardless, therefore, would rather give you some money, dont promise mental compensa
39、tion, in short, at the expense of insurance companies chant, ha ha!Case 3: if you are lucky enough to crash, this is not your responsibility, and the other side does not want to lose money, you can find the insurance company claims?Yes, but you must claim against the third party before you can get t
40、he compensation from the insurance company. If you give up the right to claim against the third party and claim it directly with the insurance company, the insurance company will not pay for it. Because you gave up the right to recover from the third party, and also gave up the right to claim compen
41、sation from the insurance company.So, remember, remember, you must first find them lose, is the best proof of court enforcement have failed, then you can find all the insurance companies, the rest of the mess up although let them go, let them every year who received so much of your insurance premium
42、s.Case 4: remember, there was a hapless driver under the command of JC. He hit a criminal who was running away. As a result, the two car collided. It was a terrible accident. Would the insurance company pay him?Of course not. The insurance clause is clear, and the drivers intended behavior is not in
43、 compensation,So I have to fix the car myself:So, if you dont have enough financial ability, think about it before you become a hero!The insurance clauses (four) - a claim.This insurance case one can not see, because you may never have heard before.)In a well-known altar DX friends lost a car, have
44、all failed, to find the insurance company claims, the insurance company exclusions reason: to the DMV query, this car did not conduct.Case analysis: insurance companies are doing, is very reasonable, and according to the provisions in the insurance contract insurance applies only to qualified for ve
45、hicles, vehicles can only be regarded as unqualified annual vehicle, even if you maintain it well, the result can only be lost on the lost white, white on the insurance at most, return the cash value of insuranceConclusion: the case of your car, must schedule the annual inspection, otherwise must no
46、t be delayed, and a small fine thing, twelve something big, then even if the traffic accidents caused by the third losses, will be borne by your own insurance, white boughtCase solution: check on time, even late on a day;If unfortunately, remember do not immediately report as soon as possible to spe
47、nd money to complete inspection procedures to be handled after the report claims procedures!Sorry, I was dizzy just now, didnt I say anything? That is nonsense.Two. Insurance case:With the same driver, do not limited attention, all your problems occurred in driving, the insurance company is not resp
48、onsible for compensation, and the above reasons are similar, without repeat.Three. Insurance case:This is a frequently asked question: my car has just been bought and has not yet been licensed. Is the insurance effective?Explanation:In the vehicle at the time of the accident, the vehicle insurance must have two conditions, one is the vehicle insurance shall be issued by the public security traffic management department or drivi