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Data:2009-12-12 2:34
Insurance Solutions of the most clear and precise terms of the explanation, the only ordinary people can understand the insurance provisions.
(A) damage a vehicle or a third party
(B) Diuju
(C) collision
(D) claims
Jing Xie insurance clause (a) - vehicle damage, third parties that we should first talk about the most important responsibility Chesun Xian and three insurance. Che Sunxian and three insurance is responsible for the basic insurance vehicle insurance, the main compensation for the loss of the insured vehicle by the insured vehicle is in use to a third party losses caused by! You probably think even the loss of vehicles caused by natural disasters, insurance companies be compensated without fail! Half his words, most of the losses caused by natural disasters are compensable, but only, except as -------- Earthquake! ! ! !
Case 1: If your car has been fortunate in the earthquake smashed into the building, then, ha ha response method: such as an earthquake a few days and then apply for compensation after the Chuxian statement: probably because the wall caused by the earthquake loosened, and finally fell in one day (do not reference to an earthquake Chuxian)
▿▿Case 2: If your brakes in a car, the car's windshield, causing Dongdong flew to break the glass. You say of it? You are honest to the insurance company, said: "My tissue box flying up and hit the glass," Wow. . . . . . "(Internal strength is high enough, He He)" You see disaster. . . . . . Claims that members would be pointed at his mouth: "Please look at my mouth --------- NO !!!!!!" correct response method: a small change in the facts Chuxian statement: My practiced an iron hand skill and friends in the braking crashed the windshield, OK! Remember, by the losses suffered by the car crash articles, insurance companies, instead of losing! ! ! ! ! !
▿▿▿▿▿Case 3: If you are in the trailer with another car when the collision occurred in our approach: to overlook the fact that there is something Chuxian statement: never mind you are towing towing vehicle or by others, or whether you have responsibility for the accident , insurance companies do not lose all ▿Case 4: If you have an accident, breaking his own on the glass, the glass has no insurance, you will claim to the insurance company do? Did not find someone on the glass, insurance claims work? ? ? ? ? ? ? OK, absolute line of glass-risk name is: broken glass, a separate risk refers to the parking and the use of glass caused by damage to the glass caused by the accident and the damage should be Ju Sunxian to be responsible for payment if you are not on the glass, insurance, the morning when you found in his car up the glass do not know which bastard has been broken, how can we do? ? Oh, the old tactics of --------- driving braking 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, say, when his head hit a good spin, and Ha ha!
▿▿▿▿▿Case 5: If your car crash, breaking a small lamp, how do you do that? To find insurance companies, he definitely is not afraid to lose you, then you earn it? ? No, you probably understand that a sum had not heard? ? To tell you that the entire vehicle insurance probably between 2500-5000 (very good car, you do the math, my bad math), if you are not in a year during the period of insurance claims, you will be in the next years, when the insured to obtain a 10% NCD, this accounts calculate your own, if the number of claims is too small, hey, it is so forget it. . . . . . . .
▿▿▿insurance policy refined solution (2) - Diuche would like to use this documentation to the car and may be Diuche Diuguo friends! Vehicle parking and use of the process there will inevitably be people worry things, where is the most unlucky Diuche things, but if you do as I say, your losses will be reduced to a minimum. I remember ah, once Diuche, the first thing to do that? Alarm? Wrong! Car has been lost, which so easy to immediately find ah, you too Tai Gaogu Chinese JC's ability, or think about how to reduce loss of bar! Reduce the loss? Which so easy ah, vehicles are lost, how cut ah? Do not forget, there is, I do! ! ! ! Ha ha ha Ha ha ha ha So, after the correct handling of Diuche the first thing that should be immediately on the event. . . Long. . . Net. . . . Hanako's Diuju Collection come to me! ! ! ! Remember, remember first of all remember to look at our own insurance on the vehicle where there Daoqiang Xian. What, no? Then you recognize luck it, come to me Hanako is useless, and buy a bar if you are on the Daoqiang Xian, first of all, I would like to congratulate you, your losses can be minimized, but still, have to be careful ah! Then you have to do is Bijin your mouth, steadily and surely to read my posts, otherwise you will regret it!
Case 1: Dao Qiangxian stipulates that the insured loss of driving license, car original invoices, vouchers for every vehicle purchase surcharge an increase of 0.5% absolute deductible. Lost car keys 5% increase in the absolute deductible. These provisions in the insurance policy using the lightest color of the print, do not believe that you can come up with a careful look at the list, certainly in some inconspicuous corner can be found in this passage. So, whether you have a spare key had been lost before, or you were to start running the car with a key, please remember that we must forget about it, otherwise. . . . . . 5% of the loss of your own set of anti-!
Case 2: If you are in the pay car parks or car repair shop in the business of stolen, the insurance company liable to pay compensation do? The answer is: do not lose! ! 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. Therefore, the correct way is to find parking lot to claim, so when you remember that parking revenue each time a good parking fee receipt ah, while the top printed matter is lost, but according to China's contract law, the provisions on the format of the contract, which is a unilateral shirking their to be responsible! You can rest assured bold suing him well, Oh, give you a good news, has been winning such a lawsuit, so the principle of the case be traced back, after the trial of cases can follow this case to sentence, ha ha!
Case 3: If, parking is your friend open, or if you inquire into this parking lot from the side can not afford to paid for your car, you can consider a change Diuche the site? Haha, I can say nothing ah
Case 4: Again, if you are a boss, as some material on the current account problems and friends had a falling out, and your friend is a villain, he secretly stole your car, you guessed it would be is his dry, you will find the compensation insurance company do? To tell you, the insurance company may from time to pay compensation. Because of provisions: the insured person who with others, civil, economic disputes Erzhi vehicles, robbed, stolen as a duty exemption. So, you can forget your economic disputes, reporting directly to the Public Security Bureau, remember, do not say out of your suspicion, otherwise you will pull the economy came to the efficiency of the courts in China, you probably half a year get inside a taxi to go out!
Case 5: If you just bought a new car, on the all-risk insurance, but does not have enough licenses (now the traffic-control requirements: the vehicle inspection after 15 working days before they receive license), after the insurance company liable to pay compensation Chuxian do? Is not responsible for compensation. Because when Chuxian, insurance, vehicles must have two conditions, first, insurance, vehicles, traffic management, public security departments must have a driving permit or license plates issued by the second is the period required to test the public security departments of qualified traffic management. But in general, by special agreement of the government departments, insurance is required as the first post of new-home inspection and issuance of license plates for vehicles and three Ju Sunxian responsibility insurance. Therefore, compensation for Diuju Daoqiang Xian has not entered into force, naturally, you can also not be compensated. It seems that if you are not relied on guts to change what the lost time, the new car to buy even give as gifts in! Then nothing I can say ah Case 6: If your car repossession, the insurance company how to deal with compensation? By banditry insurance vehicle back, if not indemnity insurers, and should the vehicle be returned to you, but the whole car was looted during the damage to vehicles or vehicle parts and components, ancillary equipment lost the reasonable need of restoration costs, the insurance company to pay compensation. If the insurance companies have compensation, should be returned to your vehicle, while the corresponding recovery of compensation. If you do not want to recover the original car, all the rights and interests of the vehicles owned by insurance companies.
Insurance Clause fine solution (3) - car crash as long as they crash, insurance companies do now lost? Certainly not as long as you carefully look at the hands of the exemption clause will know the compensation policy, and insurance companies have a lot of things, instead of losing it, trying to reduce losses to a minimum, or come to me, ha ha!
Case 1: Suppose you are a novice, just borrowed a car (of course Probably a rental car), on the road Lianju time to hit your brother, you know that there are three responsible for the car insurance, you will to find insurance claim do? Answer: If you go, you are neuropathy, insurance companies will kick your kick, why? ? First of all, you need to know what is responsible for three insurance, name: third-party liability insurance. (Third Party would not care whether people get involved, He He) then what is the interloper? In addition to the insurer and the third party means a person other than the insured because the insurance vehicle insurance, vehicle accident resulting to persons or property under the car suffered damage under the victim. Popular third-party means getting rid of four kinds of people talk about: that the insurer, the insured person, the car accident when the driver and their family members, the insured person's family members. Now understand, you, as was the driver, struck your family, insurance companies, instead of losing, well, you know how to do a! What? Do not know? Shiver my soul, a change in the driver not to hit the finished Well, really, and causing me to say about everything out
Case 2: If you are fortunate enough drove people, and they are all your responsibility, the court sentenced you to compensation for your guarantee to pay compensations each other's economic loss, mental damages, disability damages. . . . How do you do? ? How can like, give you the money it wants to! Wrong! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! You should consult the other family members, increase the economic damages and disability damages, as far as possible to minimize the spirit of the compensation, there is no of course, the better. Why? You asked me why? This is not a five horse-for-six sheep Well Brother, you are wrong again, the insurance company is not a complete and unconditional commitment to 'the insured person should pay compensation according to the law ', but according to "Road Traffic Accidents approach" and the insurance provisions of the contract compensation. Which expressly provides that because the insurance for any accident caused by the spirit of exclusion of liability for damages. Therefore, whether a court decision was whether an insurer should compensate moral damage, the insurance company are not liable to pay compensation. Understand? ? Other insurance companies for you lose the spirit regardless of losses, therefore, prefer to give each other money, they should not the spirit of the compensation promised, in short, generous insurance company's expense Bai, Ha ha!
Case 3: If you are fortunate to crash again, and this time is not your responsibility, but the other party do not want to lose money, you can do to find insurance claim? Answer: Yes, but you must first third-party claims, will it be possible to obtain insurance compensation. If you give up claims to a third party the right to claim directly to the insurance companies, insurance companies do not lose. Because you give up the rights to a third party recovery, while also giving up the right to seek compensation from insurance companies. So, remember, remember, we must go first to the other side lose, preferably a court to enforce the failed attempt to prove that, then you can justifiably look to insurance companies, leaving them clean up the mess while Go, Who they are with an intake of so much of your premium it!
Case 4: remember that there was unlucky driver under the command of JC and crashed into the criminal who is fleeing a result, the two vehicles collided, is called the one Cana, insurance companies will lose him? Of course Not at all, plainly written in the insurance provisions, the pilot's intentional act is not compensable, we can only vehicle of its own: (So, if you do not have adequate financial capacity, when the heroes have to think carefully before Oh! !!
Jing Xie insurance clause (d) - Claims
?strong>Insurance Case 1: (a must-read, because you may have previously heard of.) Tan DX in a well-known loss of a friend's car, has been on the all-risk insurance, find insurance claims, unsuccessful, insurance exclusions reasons: to the Vehicle Administration of the query, this vehicle is not annual. Case Study: Insurance Company is doing, it is very reasonable, and the provisions in insurance contracts are also based on: Insurance is only the entry into force of qualified vehicles, for the annual inspection of vehicles is not only regarded as unqualified vehicles, even if your maintenance how good it is The result can only be lost white throw, and insurance is also on the white-on, at most, to return insurance cash value. Case Conclusion: your car, be sure to schedule the annual inspection, after the extension must not, otherwise, a fine is a small matter exclusions something big, this time even if the third party losses caused by traffic accidents, but also you will be responsible, the insurance white bought: (Case solution: schedule the annual inspection, even for one day, nor night; if it happens, unfortunately, we must remember that do not immediately reported as soon as possible Spend money to handle the vehicle inspection procedures for reporting claims procedures and then padded ! sorry, just a while dizziness, I have nothing Well? said is nonsense
?strong>Insurance Case 2: with the similarities, drivers annual evaluation done this please note, you driving all the problems that occur, the insurance company is not responsible for compensation, for reasons similar to the cases without repeat.
?strong>Insurance Case 3: This is a frequently asked question: I just bought a car not yet on the license, the insurance goes into effect explained: When Chuxian vehicles, insurance, vehicles must have two conditions, first, insurance, vehicles must have Public Security Traffic Management department issued driving permit or license plate, and second, the period required to test the public security department of qualified traffic management. But in general, by special agreement is required as the first right after the inspection and issuance of insurance, license plate of the new vehicles could be responsible for Chesun Xian and the three responsible for insurance so, when your car lost even luck, and hit a man Han's pretty makeshift insured Braving the company to you, and now clear now!
?strong>Insurance Claims proofs principles: (because there are N people asked this question, so here to do a Q & A) insurance claims after midnight several situations
An accident in his home by the Transport Team, Traffic Team issued by a single penalty or mediation by a court decision, and judgments can be used. These materials are absolutely so, certainly the way the insurance companies the green light. Well rest assured that the claim
2, in the district of a major accident in an accident: that the serious damage a vehicle, or to transport teams to be certified, a lot of trouble in general Ð rub: to residential properties be certified because the always suspected, the general is also a lot of trouble so it's best reporting Times on the road in the city, otherwise ----------- exhausting you!
3, a small incident occurred on the road, including parking time Ð rub (such incidents occurring up to the altar in the DX) such need to prove the principle is: Does it involve a third party involving a third party payment, or need to prove Traffic Team . If the two sides end their accident, and can indicate when the claim: accident third-party self-study, and then press the self-blame Che Sunxian claim, the insurance company if your team be certified to the traffic, you must have to bite the other promoted, say no to children when they resumed their insurance companies generally will not be too seriously. You must promise to open shows that blame I did not remind you that you ran go, lose money in uncertain enough oil money to do!
4, the most the back if he was hit by another car after the accident vehicle escape, can not find the situation is more serious trouble, should be resolved through the traffic team, by the insurance company subrogation recovery. Not serious, it is best to resolve the claims is also based on self-blame, but also on whether the body in the claim, noted that there are other cars paint stick, as well as the direction of collision, must be justified, otherwise, you see disaster! Finally remind you DX: the reporting of cases must be reported within 48 hours, otherwise, might be directly exclusions! ! Remember, Remember, do not have to say that within 48 ah 48, then how nobody Ding A good post! ! ! ! ! Depressed to go more than a dozen top ah I said I was handsome beauty! I did not admit that they Take tile covered me, and say that I am hypocritical! ! ! Ah good comrades, we salute you!
