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Data:2009-12-12 2:34
In the capital July 10, after the torrential rain, many drivers to purchase auto insurance re-learned the importance of a considerable number of people in the deductible liability claims with a deeper understanding. In addition to the Pacific Insurance Company, the capital of the vast majority of property insurance company refused to settle claims the engine inlet. Here we pass the case to introduce auto insurance claims in the six "no lose" When you understand the circumstances under which insurance companies do not paid in time, you can better protect their own interests from being harmed.
┿did not lose one: pay parking lot in the Diuju, Ð rub
Miss Lee who lives in a small community near the Third Ring Road, the plot drawn between floor and floor, a number of parking spaces can be regarded as a surface parking lot. Miss Lee to the property each month to 300 yuan parking fees. Last year, in June, Miss Lee, when the car parked in the district lost. Miss Lee is because on the vehicle insurance all risks insurance, so she Daoqiang Xian claims to the insurer. Unexpectedly, the reply was: Where in the pay parking lot in the Diuche, insurance companies do not lose!
Reason: In accordance with the provisions of the insurance company, any vehicle charging car parks or commercial repair shop in the stolen, the insurance company not and will not be responsible for compensation. Because the above-mentioned places the responsibility of the vehicle are kept in custody due to lack of good care custodian caused by vehicle damage, lost, the custodian should be held accountable. Insurance companies do not pay compensation. Thus, both cars lost, or had been designated, and insurance companies regardless of Yi Gai.
Our approach: the right way is to find parking lot to claim. Therefore, the driver must pay attention to when parking revenue each time a good parking receipt. Although many pay parking lots in the relevant provisions of the words "missing matter", but according to China's contract law, the provisions on the format of the contract, which is a unilateral shirking their responsibilities, such as can not be resolved through consultation, had to resort to the law. It is reported that has been winning such a lawsuit.
┿do not compensable 2: No license car Chuxian
There are newspaper reports, a Miss Zhou Xing just bought a new car, no license plate. Because there is no dedicated residential parking her car parked in the house downstairs, unfortunately, that night her car was stolen, and she went to insurance claim was refused on the grounds that: car not on the card, she was cast insurance also did not take effect.
Reason: When Chuxian vehicle insurance claims vehicle must have two conditions, first, insurance, vehicles, traffic management, public security departments must have a driving permit or license plate issued; second is the period required to test the public security departments of qualified traffic management.
Our approach: the new car before the license must remember to protect their cars stolen and not knocked. If his family downstairs unsafe, it would consider temporarily put some of the better security of parking fees. Although the parking fee so much more to spend some, but better than losing a new car is much more cost-effective. Special Note: If you are really worried, then seeing the eyes Pakistan car bar! Until a good handle all the formalities.
┿do not compensable 3: No annual inspection of vehicles Chuxian
1 Ju You open a Jetta two years, every year on the all-risk insurance, and therefore have high confidence in the protection of car. Not long ago, the vehicle is lost. Claims reported to insurance companies, insurance companies, the answer is: Do not lose! No annual inspection because the car that year.
Reason: According to the insurance contract, insurance, vehicles, only to pass the entry into force, for the annual inspection of vehicles not only as a failed vehicle, in which case, you are also on the white on the insurance. Insurance logical people, Who told you do not really care of their car?
Our approach: be sure to schedule annual inspections, even for one day, nor night. Otherwise, the penalty is a small matter exclusions that counts. Diuche do not lose the car damage is not compensable, even if the third party losses caused by traffic accidents, the three insurance not in force, all you will be responsible for compensation, insurance, bought white.
┿do not lose four: the driver does not annual review
Kai-Fu Ding surname friends car five years in 2004, one day, in normal driving because of the stone to avoid pedestrians hit the bridge railing. Board staff beset by injuries, but the car was damaged severely. Car insurance a certain insurance company Chesun Xian, Daoqiang Xian, the three insurance as well as excluding the insurance deductible 4. Dante's report to the insurance company after being refused insurance companies. Because the small surname friends do not have annual review.
Cause: The driver does not annual review, the open vehicles belonging to failed vehicles, insurance companies may reject any claims under an insurance contract.
Our approach: serious, do not trouble, went to annual review of the annual review time.
┿do not lose five: driving hit apply on
This situation is rare, but it does such a thing happened.
A few years ago, Mr. Liu drove a Beijing Jeep, approaching the door when you do not know how to engage in a knocked down a pedestrian. Mr. Liu off a look, is his wife, Madam Ho. Anke injured more than a month of hospital stay, spent thousands of dollars of money.
His wife was hospitalized, Mr. Liu thought this car had three insurance, insurance claim on the find. Insurance on the word: Do not lose!
Reason: third-party liability insurance of a third party is defined in the insurer and the insured person outside, because the insurance vehicle insurance, vehicle accident resulting to persons or property under the car suffered damage under the victim. More simply, a third party means getting rid of four kinds of people: that the insurer, the insured person, the car accident when the driver and their family members, the insured person's family members. Also, not only in auto insurance, in the other liability insurance also has relevant regulations.
Our approach: Do not talk to 10 million people make life difficult, especially apply on.
┿not compensable 6: the other side you do not recover the full responsibility for
According to newspaper reports, in April this year, one of the early morning小朱unfortunate and people driving collided with the vehicle serious injury. Because the other drunk driving violation, not小朱responsibility. But after the incident, the other party did not want to lose money like shamelessly. 小朱do not want to struggle with each other directly to the insurance claim. By insurance companies refuse to.
Reason: The insured person must first third-party claims, will it be possible to obtain insurance compensation. Once abandoned to a third party recovery rights, also abandoned the right to claim compensation to insurance companies.
Our approach: Once the Chuxian and responsibility to each other, we must go first to the other side lose, unsuccessful (preferably a court to enforce the failed attempt to prove), it can justifiably look for insurance compensation. (Beijing Modern Business Daily)
