Tries to harness the Lincoln bombardier-navigator

Lincoln leaves our first impression is the custom car, particularly lengthen custom car. If Lincoln leaves your second impression is still until now slurred, the home newest going on the market Lincoln bombardier-navigator can perhaps fill the blank, this is one section is hanging cross shield shape Che Biao large-scale SUV. in the US, in the middle of 50,000 US dollar rank's SUV most has the aristocrat makings is the Lincoln bombardier-navigator, both rationality and fervor, also noble wild, this deluxe model overall dimension SUV not only displays the V8 engine and 4 round actuation cross-country power, and has introduced custom car's 7 designs and the advanced disposition. mentioned that Lincoln this US brand, what most people thought first is the upright lengthen custom car, but the home newest going on the market Lincoln bombardier-navigator is actually one section is hanging cross shield shape Che Biao deluxe model overall dimension SUV. Lincoln bombardier-navigator's basic structure from with factory Ford Expedition, but besides the vehicle roof and the vehicle door all sheet metals is again the die sinking manufacture. Compares with the previous generation vehicle type, the brand-new design's Lincoln bombardier-navigator disposes has advanced version IRS and the power servosystem, the travel is smoother, the technique content enhances greatly.

　The front is the Lincoln bombardier-navigator most characterful place, inherits the American vehicle atmosphere calm tradition fully, the cross shield shape vehicle scalar potential in center, merges into one organic whole with the large-scale chrome-plating radiation grill. The first bumper divides into the double radiation grill the high and low two parts, upside the main body uses the waterfall type longitudinal design, the outline protrudes outward, peripheral by spacious chrome-plating decoration strip beautification, appears very grave, lower part uses the crosswise design, especially can highlight front's whole effect. The first big lamp bank belongs to Lincoln's traditional style, tallies with the square shape front mentality, but the lamp bank internal circular design is obviously follows the tidal current the product. size ultra big automobile body not only modelling overwhelming power, moreover sends out one kind of honored breath, 18 inch alloy wheel hubs and 255 millimeter wide embryo do not have the gruff big feeling, under the tint to surround the skirt hem completely to serve as contrast complete bikes's calm imposing manner. Although the Lincoln bombardier-navigator grows perceptibly by the overwhelming power, actually compared to daily production infinite QX56 many rich man's unique flavors. present's super SUV on the luxurious degree already with the custom car not different, but Lincoln bombardier-navigator's intrinsic sense of reality, even if the common custom car were also unable with it to place on a par. The automobile body interior decoration has the finding at everywhere cream-colored dermis and the walnut, including some to be from Jiebao material.

In plays the part of the design succinctly the inspiration from the Lincoln mainland, the design language clean. Speed table and ratemeter artistic legible, radio's outside cabin door as if a little adds something superfluous and ruins the effect. The constant speed cruise and THX the authentication Soundmark sound system is the basic equipment, between the front-row chair and the back row chair's DVD guidance system can provide the pronunciation activation function, the touchscreen system contact surface and in inlays type 6 small dish CD player. Besides the common electric heating function, the front-row chair even also has the refrigeration function. in super SUV, has the 3rd row of chair not to be strange, but the electrically operated foldaway 3rd row of chair reality sees not much, moreover rides comfortably, the forehead space and the thigh space are very sufficient. is not the unnecessary worry small goods storage question, front part control bench Chu Wu the standard already depth, and the width, between the 2nd row of chair's two seats also has giant Chu Wuxiang. The 2nd row of chair simultaneously provides 2 person of specifications and 3 person of specifications, therefore may ride 7 individuals or 8 individuals. In order to enhance the convenience, after the Lincoln bombardier-navigator disposes has outside the electrically operated expansion the foot board and the electrically operated, lifting gate, these two equipments are very actually rare.

　This kind of section of super SUV, the price is so expensive, the user is not obviously excessive regarding the super engine and the super gear box's anticipation, the Lincoln bombardier-navigator must satisfy their request. This is only one section to dispose 6 fast automatic gear box's SUV immediately, new 5.4 make it the motive to be able to output 224 kilowatts maximum works rate and 481 Niu ·mi maximum torque, the fuel oil efficiency is high, the active status had the distinct improvement compared to the previous generation vehicle type.

Control Trac 4 drive system's to carry on the cut through display board on knob, the actuation pattern includes 2 rounds, automatic 4×4, 4×4 High and 4×4 Low. The force of traction control system can the electronic examination wheel whether to slip, when the trailing wheel slips on the ice surface time complete dynamic output front wheel. The Lincoln bombardier-navigator has the high transmission efficiency in the true sense, provides 2 rounds high speed, the automatic control all wheel drive and 4 round low speed actuation pattern establishment. Perhaps some people thought that the force of traction control system the response existence which slips to the wheel lags slightly, but once enters the question which the special adjustments condition Lincoln bombardier-navigator can definitely solve slips.

　Passed through to chassis's comprehensive strengthening and to damping spring's careful correction, the Lincoln bombardier-navigator's driving performance was very already close the custom car the level. The previous generation vehicle type the bitter experience vibration and the different sound already no longer became the question in rough or the slippery road surface, the path is tamed peacefully ruggedly and digests, the Miqilin tire unfolds the strength under the up and down control arm's help. On road, even if meets the very strong side windward, the automobile body can still maintain the good travel path.

　The security is one of selling points, the front-row double aerocyst and the side aerocyst belong to the sign to match, the forehead protection aerocyst can reduce the side scuttle to the 2nd row of passenger's injury, had RSC tumbling stability control function Advance the Trac electron stability enhancement system to make the large scale improvement in the traditional stability control system's foundation. Advance the Trac electron stability enhancement system by 4 big module constitutions, decides the non-ordinary electronic stability control system to be possible compared to, including the ABS anti-lock braking system, the force of traction control system, the deviation control system and the vehicles lateral oscillation sensor.

The vehicles lateral oscillation sensor is Ford's patented technology, through rotates the sensor to monitor vehicles' swinging condition by probably each seconds 150 time speed, if the sensor surveys the possibility which the vehicles have occur pour out, the system automatic start, will guarantee that 4 wheels will be at the steady condition throughout, this in the vehicles will be fully laden with in the cargo situation especially important.

Cannot attain smoothly compensates! The car insurance adjustment should avoid erroneous zone

The automobile spontaneous combustion, fords the damage insurance company which causes not to give compensates the last week, has the reader to send a telegram to reporter, the automobile spontaneous combustion, fords the loss which causes, why doesn't the Insurance company give the compensation? Reporter arrives at the Insurance company to confirm afterward that in April the automobile insurance provision made the part adjustment, the vehicle owner has not been possibly careful to the provision understanding, has neglected other extraneous risks, only will then create the situation which the partial vehicles could not attain smoothly compensate. in fact, the intention, these may avoid slightly. erroneous zone one: Throws the extraneous risks, was wasting money to be surnamed the person in charge according to the Hubei Yongan Insurance company adjustment department king saying that now uses insurance act and before slightly had the difference, before, only then commercial danger, but the present hands over strong dangerous and the commercial danger coexistence. Many policy holders not too understood regarding this, therefore time insurance wants the careful reading Insurance Regulatory Commission's general provision.Mr. Wang said that if in the rule stipulated explicitly the vehicles present the accident not to give the payment, then vehicle owner in insurance time may take out insurance again according to the additional article extraneous risks, like this left the matter only then to be possible to obtain the corresponding compensation. the expert reminds: Because some natural disaster creates vehicles loss, whether could obtain the adjustment still to have the prerequisite smoothly, for example vehicles when normal speed had the spontaneous combustion to be possible to obtain the compensation, but because the vehicle owner operated improper but spontaneous combustion, then did not give the compensation. Same, after the vehicles soak in water, causes the engine to enter the water to be possible the adjustment, but if the vehicle owner knew perfectly well that the engine enters the water also to start the machine, creates damage not row in the adjustment. erroneous zone two: Has the insurance in any case, how stipulates responsibility the Insurance company final adjustment basis is as you like recognizes the book according to the evaluation responsibility statutory body writing up responsibility, usually recognizes take the traffic police as the standard. Mr. Wang said that in this responsibility recognizes, the vehicle owner wants certainly to be clear about the responsibility, is not own responsibility do not certainly can undertake, avoids leaving behind the future trouble. He gave reporter to introduce this kind of case, in together the traffic accident, the vehicle owner and the pedestrians had the responsibility. For the fast deal with accident, the traffic police mediates hoped that the vehicle owner undertakes the full liability, the vehicle owner thought had the insurance then to accept in any case. But the wounded had afterward become the brain paralysis, the medical service 400,000 Yuan, the Insurance company actually only compensates 100,000 Yuan at least, in addition 300,000 Yuan lets “takes full responsibility” the driver be scared. the expert reminds: After having an accident, do not think that insures the male standard picul responsibility, neglected the responsibility to recognize, do not to the responsibility “taking on all things”, be like this very easy specially for oneself to bring the future trouble. erroneous zone three: I have bought the insurance, you must certainly all compensate the consumer often to like entering an erroneous zone, thought that I have bought the insurance, had the accident to compensate. Mr. Wang said that according to the insurance act, all accidents can obtain the sum total compensation by no means. it is known that usually the policy holder when buys the insurance, often only throws has the risk and the compulsion purchase insurance, once presents the entire responsibility adjustment, the insurance must deduct 20% does not count the franchise, namely only compensates 80%, other turn over to the policy holder to undertake. Mr. Wang said that if the policy holder wants to obtain the sum total compensation, the prerequisite only then purchases “EPI not to compensate the extraneous risks”. the expert reminds: The insurance has the unpredictability, if wants to reduce the risk, the insurance may due consideration purchase extraneous risks EPI not compensate or other more dangers plants. erroneous zone four: Harms the part, certainly must exchange introduced according to the Insurance company experts, in handles in the vehicles accident, the policy holder and the Insurance company long-standing disputed, namely harms the part is repairs or trades. Mr. Wang said that usually adopts the repair regarding the accident vehicle, the payment also only repairs the money. The supposition policy holder insisted that must exchange the part, then produces the price difference undertakes by oneself, for example repairs the bumper to need 300 Yuan, trades one to take 800 Yuan, then 500 Yuan price difference Insurance companies are not responsible to compensate. 　Involves part which must replace truly, the Insurance company often according to the market average price to formulate the adjustment standard, but non-4S shop price. the expert reminds: Once has in the peculiar circumstance and the price has the difference, certainly must relate with the Insurance company. At the same time, has the objection and the request to the service, certainly must at that time raise, if after settling a lawsuit, asked the question again, the Insurance company did not acknowledge mistakes similarly.

Automobile insurance: The back-draft collides and damages the rear view mirror not to be able the adjustment?

The other day, Mr. Chen "My Automobile Had Words to the Hangzhou transportation 91.8 broadcasting stations Saying that" the column reflected: “when my back-draft has collided and damaged vehicle's rear view mirror, the Insurance company actually said that I have not taken out insurance the rear view mirror independent risk of breakage, cannot compensate. Moreover, at that time the traffic police wrote up the accident to recognize the book, recognizes my entire responsibility, but after Insurance company's damaging surely has looked at my vehicle, but also requests to look at the scene. Insurance company's procedure is whether reasonable?” consumer: Why does the Insurance company reject laims?when on July 20, Mr. Chen in the family who is located at the Xiaoshan area the back-draft, was not careful has run upon oneself front door, caused the left rear view mirror to be stave. After the accident occurs, Mr. Chen to insures this vehicles to be forever honest immediately the property insurance limited liability company Zhejiang subsidiary company to report. “the Insurance company lets me look for the traffic police first, therefore I reported to the traffic police.”Mr. Chen said that “the traffic police will look from now on, said that the situation will be very explicit, will be my entire responsibility.” attained the accident which the traffic police wrote up to recognize the book, Mr. Chen goes to the repair shop to repair a vehicle, simultaneously related Insurance company's damaging surely to damage surely to the repair shop. Had not thought that after deciding damaging looked at Mr. Chen's vehicle, actually said that must go to Mr. Chen the family to look at the accident scene, otherwise cannot provide damages the list surely. At the same time, the Insurance company adjustment's department staff also indicated that Mr. Chen has not taken out insurance the rear view mirror independent risk of breakage, cannot obtain the adjustment.“when initially bought the insurance, nobody tells me also to have rear view mirror independent risk of breakage this extraneous risks.”Mr. Chen is a little indignant, “, if initially the Insurance company the clerks to say the provision has been clear, I will take out insurance not necessarily in this company. I hope the Insurance company adjustment now, otherwise draws back on the sum total guarantees.” Insurance company: Duplicate will compare with the claims rejected has reason Reporter to be forever honest the property insurance limited liability company Zhejiang subsidiary company adjustment department to verify the situation which Mr. Chen said. is responsible to process this matter's Mr. Zhang to explain that Mr. Chen when reports to the Insurance company, the guest takes the personnel to find out the matter process, and to Mr. Chen confirmed repeatedly alone to be whether stave for the rear view mirror. The guest took the personnel to inquire Mr. Chen's insurance record on the computer, discovered that Mr. Chen has not taken out insurance the rear view mirror independent risk of breakage, but acted according to 2006 edition, 2007 editions "Family To use for oneself Automobile Damage insurance Provision", in Che Sunxian in the provision, the rear view mirror belonged to the exception responsibility stave alone, could not obtain the adjustment. recalls according to Mr. Zhang, at that time he has explained the provision in the telephone to Mr. Chen. “at that time Mr. Chen asked me, if is not the rear view mirror is alone stave, may compensate? I explained to Mr. Chen, if is the collision accident causes the rear view mirror to be stave, may obtain the adjustment. Therefore Mr. Chen said that his vehicle had the collision accident, the tailstock also had the abrasion. But the traffic police writes up the accident recognized that the book wrote plainly is the rear view mirror is alone stave, decides damaging in the repair shop not to discover the automobile body has the collision trace, the tailstock only then a slight scratch, is unable to recognize that is the collision creates.”Mr. Zhang said that Mr. Chen provided the rear view mirror to break alone and to have the collision accident two views successively, caused the responsibility to recognize with difficulty, the Insurance company then proposed must duplicate compare the scene. Safe profession association: The Insurance company should compensate to clarify the insurance clause, reporter also interviewed the Zhejiang Province safe profession association. The related person in charge understood after the situation indicated that the profession association regarding the concrete provision which forever honestly will insure is not clear. After this person in charge inquires many Insurance companies, also the discovery has not had “the rear view mirror independent risk of breakage” such a danger to plant. , is actually the rear view mirror alone so stave does belong to Che Sunxian the adjustment scope? The Zhejiang Province insurance profession association was related the person in charge to provide the present profession general three editions "Family To use for oneself Automobile Damage insurance Provision" (the editor note: At present from the situation which grasps looked that has the independent provision besides a special automobile insurance company, other Insurance companies A which, B, the C three series formulates from the Chinese Insurance Profession Association proclaim the provision to select one), three editions "Provision" “the responsibility absolution” the part has not clearly stipulated “the rear view mirror alone to be stave” is the exception responsibility. This person in charge believed that at present the overwhelming majority Insurance company has not promoted “the rear view mirror independent risk of breakage”, but the rear view mirror does not belong to the glass alone stave scope, therefore, Mr. Chen's situation should belong to Che Sunxian the adjustment responsibility.

The expert said: Car insurance adjustment summon specialty

Along with insurance suit's unceasing increase, recently, the 21st century insured aims at the website second quarter's suit case to carry on the analysis specially, insures in net's suit report in the 21st century, in the altogether 143 suits the car insurance suit has only accounted for 2/3 proportions.　 according to the analysis, the car insurance suit mainly concentrates in the following three aspects: First is the car insurance provision existence disputed that the complainant did not understand to the provision, when has the adjustment dispute, the vehicle owners always appear very suffering from injustice, processes the adjustment after the 21st century insurance network suit's Mr. Zhang, had deep feeling said: “the Insurance company each is the professional, are we how possible and their theory. Each time they can put out each kind of car insurance provision to explain that to afterward, instead thought oneself is quibbling.” the next is the Insurance company adjustment is not very initiative. “dials, moves one time”, in the car insurance suit, some part of complainants complained that car insurance adjustment good tedious, the reconnaissance adjustment standby period is excessively long. But some adjustment personnel said reluctantly that to the vehicle owner argued the adjustment way likely has plants the whistle jigs to a milestone the feeling, the consultative adjustment evolves Professor finally Cheng the car insurance knowledge, similarly consumption Insurance company many manpower and resources. But the policy holder aspect, applies mechanically in the 21st century insurance suit Miss Huang words: “she was urging every day the Insurance company appropriates the adjustment funds as soon as possible, but its `card ' has not always verified in the adjustment flow, urged until her saliva quick `' to do, the Insurance company only then completed the adjustment flow. bought the entire car insurance not to be able to obtain all compensates, has the reason which disputed is also finally, when vehicle owner insurance has not read the car insurance provision earnestly, but will escape from danger after the future the adjustment was free from worry, usually believed some clerk's introduction, spent many money to purchase the so-called fully comprehensive insurance. But in fact, is not all accident cost can obtain the sum total compensation. After for example meets the car insurance suffers injury, the Insurance company gives the repair, but replaces the new fitting, the policy holder believed that since all guarantees, should replace the new fitting, otherwise prompt little compensates. In fact, the Insurance company makes the law is reasonable. The related professional indicated that if has such a specialized Facilitating agency, provides the specialized adjustment proxy specially for the adjustment, is the policy holder adjustment consultant, then may save the policy holder many adjustment difficult problems. The 21st century insures the net also to consider the policy holder has encountered the claim difficulty, special invited renowned car insurance expert king Yongsheng gentleman has taken car insurance consultant who insures 315 channels, king Yongsheng gentleman is Jiangsu Province price bureau authentication center automobile appraisal expert, has the very rich car insurance to damage surely with the adjustment experience, signal provides the convenient help to the general policy holders and the adjustment.

The expert said: Car insurance adjustment summon specialty

Along with insurance suit's unceasing increase, recently, the 21st century insured aims at the website second quarter's suit case to carry on the analysis specially, insures in net's suit report in the 21st century, in the altogether 143 suits the car insurance suit has only accounted for 2/3 proportions.　 according to the analysis, the car insurance suit mainly concentrates in the following three aspects: First is the car insurance provision existence disputed that the complainant did not understand to the provision, when has the adjustment dispute, the vehicle owners always appear very suffering from injustice, processes the adjustment after the 21st century insurance network suit's Mr. Zhang, had deep feeling said: “the Insurance company each is the professional, are we how possible and their theory. Each time they can put out each kind of car insurance provision to explain that to afterward, instead thought oneself is quibbling.” the next is the Insurance company adjustment is not very initiative. “dials, moves one time”, in the car insurance suit, some part of complainants complained that car insurance adjustment good tedious, the reconnaissance adjustment standby period is excessively long. But some adjustment personnel said reluctantly that to the vehicle owner argued the adjustment way likely has plants the whistle jigs to a milestone the feeling, the consultative adjustment evolves Professor finally Cheng the car insurance knowledge, similarly consumption Insurance company many manpower and resources. But the policy holder aspect, applies mechanically in the 21st century insurance suit Miss Huang words: “she was urging every day the Insurance company appropriates the adjustment funds as soon as possible, but its `card ' has not always verified in the adjustment flow, urged until her saliva quick `' to do, the Insurance company only then completed the adjustment flow. bought the entire car insurance not to be able to obtain all compensates, has the reason which disputed is also finally, when vehicle owner insurance has not read the car insurance provision earnestly, but will escape from danger after the future the adjustment was free from worry, usually believed some clerk's introduction, spent many money to purchase the so-called fully comprehensive insurance. But in fact, is not all accident cost can obtain the sum total compensation. After for example meets the car insurance suffers injury, the Insurance company gives the repair, but replaces the new fitting, the policy holder believed that since all guarantees, should replace the new fitting, otherwise prompt little compensates. In fact, the Insurance company makes the law is reasonable. The related professional indicated that if has such a specialized Facilitating agency, provides the specialized adjustment proxy specially for the adjustment, is the policy holder adjustment consultant, then may save the policy holder many adjustment difficult problems. The 21st century insures the net also to consider the policy holder has encountered the claim difficulty, special invited renowned car insurance expert king Yongsheng gentleman has taken car insurance consultant who insures 315 channels, king Yongsheng gentleman is Jiangsu Province price bureau authentication center automobile appraisal expert, has the very rich car insurance to damage surely with the adjustment experience, signal provides the convenient help to the general policy holders and the adjustment.

The driver is run over and dies the family member by own vehicle to sue for damages to the Insurance company is refused

Is run over and dies the Insurance company by own vehicle to compensate the first trial court to reject the family member to sue for damages requested that the driver stops the urination, finally the automobile glide dies its pressure, because the family member the request payment was refused the Insurance company considers the court to sue for damages 250,000 (on July 6 the newspaper once report). Recently, the Zunyi Huichuan District Court made to the above-mentioned plan rejects the plaintiff lawsuit request the first trial decision. on February 16, pu the Yuan Dynasty drives own freight vehicle to arrive at Guiyang, when obeys a road black soil bank road section expensively stops the urination. This time, pu Yuan Dynasty's pickup truck has the glide, pu holds the stone pad wheel immediately, the result is died on the scene by the pressure. The traffic police department recognized that the accident risk is Pu Yuanchao. afterward, pu Yuan Dynasty's family member requests the cash payment, but the Insurance company by pu the Yuan Dynasty is an insured but the non-third person causes the death to refuse to pay damages. But the family member believed that pu the Yuan Dynasty is dies under the vehicle, should regard as the third party. Huichuan District court trying believed that “hands over the strong danger” has the traffic accident by the Insurance company to the insured vehicle to create outside this vehicle personnel, insured's victim's person casualties, the property damage, gives in the liability limit scope to compensate; The law of insurance stipulated that the liability insurance is insured the liability of compensation which should take legally to the third party for the insurance sign insurance. In this case, pu the Yuan Dynasty is not only a victim, is also the only owner, pu the Yuan Dynasty does not have the civil compensation responsibility to anybody, also does not have anybody to have the civil compensation responsibility to pu the Yuan Dynasty, pu the Yuan Dynasty takes the insured, therefore does not belong to the above both's insurance coverage. it is known that pu Yuan Dynasty's parents as well as the female regarding the first trial decision, indicate refuse to accept, to make the appeal.

The insurance plan needs to elect first to the person marketing to return to the commission not to respond

Your insured marketing “flickers”? Whether you do meet have sold-out the marketing which the insurance gets angry does not recognize people? You when adjustment whether to have met the layered barrier which the marketing establishes intentionally? These questions produce the root lies in us not to elect to the marketing. our country has more than 200 ten thousand person of safe marketing armies at present, although holds the card rate to enhance unceasingly, but the marketing quality is still very difficult to guarantee, in the whole is at the good and bad people mixed up the condition. the insurance is we live the essential item, in various Insurance company product homogenization's situation, was buys the insurance product, the might as well said that buys the marketing service. Therefore, in choice insurance time certainly must elect to the marketing, although we not necessarily can meet the best marketing, but returns to the commission the marketing is must certainly be far away. in the insurance sales contest intense situation, some marketing returns the commission to attract the customer day by day. Many consumers also believed that by safe product very value which buys compared to a current price on market lower money. Some people said that returns to the commission is discounts, buys other things to be able to discount, buys the insurance certainly also to be able to discount. brilliant will be forever bright Beijing Subsidiary company service area Manager Zhou Rong to indicate: “returns to the commission to gather the customer as the condition the marketing not to be able to choose, because returns to the commission is the Insurance company does not permit, is only the marketing and between customer transaction in private. Proposed that returns to the commission condition many marketing is because the achievement is not good finishes in a hast, therefore this bad plan deals with the inspection.”Because this kind of marketing earns oneself the commission returned has given the customer, although has sold the chit but does not have the benefit to be possible saying that therefore too will not be careful from now on the chit service aspect; On the other hand, this kind of marketing, because the achievement is not good, is eliminated very easily the marketing troop, once these marketing change professions, then in the customer hand's chit turned “the orphan chit”.because the life insurance chit usually is 10 year above term of validity, the chit purchase is only first step, the marketing service will follow the chit “the life”, including chit services and so on anniversary inspection, adjustment consultation. Therefore consumer in choice marketing time do not seek after returns to the commission the little profit, because the little profit price possibly is eats owes greatly. the expert believed that a good marketing should have various specialized knowledge, including the finance, the finance, the tax affairs, the law as well as the medicine and so on, the risk which like this can the overall evaluation customer now and the future faces, for a customer comprehensive managing finances plan. This kind of person should represent the future marketing development direction.

The vehicle is hit whether to sue for damages “the vehicles depreciation expense”

The vehicle is hit may sue for damages “the vehicles depreciation expense”?Attorney thought that after “the vehicles depreciation expense” claim reasonable legitimate the vehicle has hit, as the second-hand vehicle sells when the price will sell at a discount, also creates the vehicles depreciation. If your vehicle is hit, you will sue for damages “the vehicles depreciation expense” to opposite party? Because recently, the traffic accident caused “the vehicles depreciation expense” the claim lawsuit to judge in Tianjin that cause troubles Fang Xu to compensate this expense. This matter in industry in arouses the widespread interest, this means that when has traffic accident which two Che Huoduo the vehicle bumps into, the disputing party is authorized the seek redress “the vehicles depreciation expense”, but such one kind of additional compensation behavior, will have the major impact on the vehicle owner present with the vehicle life. the event playbacks the vehicle owner to succeed the claim “the vehicles depreciation expense” in February, Tianjin. Opens Xia an Liche Liang Mou to sail to the reversion traffic lane carelessly, with a Liu driving prestige happy head-on collision. The traffic police department carries on the reconnaissance after the accident, recognized that Liang Mou exceeds the speed limit and drives goes against the flow said that must take the accident full liability. Because both sides are unable on the compensation question to achieve consistently, Liu then considers Liang Mou the court. is original, this is an ordinary traffic accident. A side takes full responsibility, takes by its insurance's Insurance company manages compensates the side, carries on the compensation to the related medical service and the maintenance cost. But Liu besides the seek redress medical service, the vehicles maintenance cost, tows expenses and so on fare, but also sets one kind of new reclamation, namely “vehicles depreciation expense”. This reclamation makes the question to be all of a sudden complex. Liu thought that his this lawsuit requests fairly, because his new car is hit for no reason, even if has fixed, the fitting is impossible to guarantee original installation, definitely will cause the vehicles value to disparage. Latter appraises after the second-hand vehicle appraisal appraisal company, the Liu this vehicle's depreciation expense is 10700 Yuan. What but lets disputing party Liang Mou not be able to think, the court decision has supported Liu's lawsuit, makes his extra compensation this “the vehicles depreciation expense”. Actually, regional presented the similar lawsuit one after another in recent years. Last year our province Panan County People's court once had decided the same place “the vehicles depreciation expense” the claim lawsuit. Drives taking advantage of Che Ren has the traffic accident, the vehicle owner requests taking advantage of Che Ren to compensate the vehicles depreciation expense, finally the court has supported vehicle owner's this lawsuit request. The Sangtana 2000 collisions but in last March, Hangzhou Mr. Zhu drove the resolute passenger vehicle which and Mr. Fang drives, the resolute passenger vehicle damage is serious, the accident recognized that Mr. Fang took full responsibility. Mr. Zhu sues for damages “the vehicles depreciation expense” afterward to Mr. Fang and goes to court finally, latter Mr. Zhu withdraws a suit for various reasons. Attorney viewpoint “the vehicles depreciation expense” claim reasonable legitimate that the non-responsibility side's vehicle owner proposed that this claim request, does have the legal basis? Reporter found that our country present "Transportation Law", had not proposed that “the vehicles depreciation expense” the concept, does not have this compensation project. Zhejiang six and Law office Attorney Lang Lixin believed that this claim request has the full legal basis, reasonable legitimate. “this compensation belongs to the civil tort category. Your vehicle for has hit mine vehicle, has caused in my economy losses, must make the corresponding compensation. The narrow loss including the maintenance cost, the medical service, tows the fare and so on expense which can see, but the generalized expense includes the `vehicles depreciation expense naturally '. How many day new car if just did start off not to hit by the human, opposite party has been responsible yours vehicle to fix is all right? This to the vehicle owner who did not have a responsibility side, was obviously loses fairly.”Lang Lixin said. He gave back to reporter to draw an analogy, was just like is walks some people beats severely you on the avenue, then compensated for you the medical expenses wants to settle, you could accept? However, what with the maintenance cost, the medical service is different, “the vehicles depreciation expense” the high resilience, how does this item of expense calculate is a question truly. “will encounter the similar case from now on, the vehicle owner definitely may sue for damages the `vehicles depreciation expense '. Once after entering the legal proceeding, the court will entrust the related company to carry on the appraisal, the vehicle owner do not because of fear that troublesome will give up own legitimate rights and interests.”Lang Lixin proposed. Insurance company “the vehicles depreciation expense” vehicle owner pull out “the present Insurance company not to have the `vehicles depreciation expense ' this adjustment project. Once a side claim, the expense undertakes by vehicle owner.”Yesterday, reporter sent a telegram to the life insurance safely, and so on many Insurance companies, obtained the answer was in the present insurance market, but also did not have this danger to plant, but Che Sunxian has not covered this content, therefore the Insurance company has also not undertaken “the vehicles depreciation expense” precedent. “the insurance is take the repair as a principle, namely repairs the original operational performance, but realizes the inflation-proofing and appreciation. In adjustment process, if is transport business vehicles, to will stop trips the loss which will create to carry on the compensation, but ' will not compensate to the `vehicles depreciation expense.”Brings peace and orders to the nation to insure the Zhejiang subsidiary company car insurance department person in charge to thank flies in circles believing, although after vehicle collision, causes the value to disparage this is the fact, but the present Insurance company will not pay for this part of expenses. From now on, will enhance along with the vehicle owner Uygur power consciousness, when will sue for damages “the vehicles depreciation expense” will become one kind of common phenomenon, does not remove the insurance profession to additionally build the new danger to plant fills the blank. “speaking of the Insurance company, in view of `vehicles depreciation expense ' the danger plants the risk to be big. If one day to have this danger to plant, the insurance premium will not be certainly low.”Thanks flies in circles speaking frankly, this brand-new danger plants the birth to still probably the date and time, this also means that “the vehicles depreciation expense” must pay voluntarily in the very long times by the vehicle owner. After vehicle owner sound the restraint driving behavior manifests social justice the Tianjin “the vehicles depreciation expense” the claim document judged, immediately has caused vehicle owner's strong reaction. But at some website's forum, the web cam also has each kind of different sound to this matter.Reporter found that the most web cams to sue for damages “the vehicles depreciation expense” the behavior to express the support. “if a new car has been hit in vain by the human, even if will be repairs well also will affect again artisticly, perhaps also will have many sequelae. If does not compensate a `vehicles depreciation expense ', is truly unfair.”The web cam “the recluse” said. But more people indicated that after may sue for damages “the vehicles depreciation expense”, but active constraint driving behavior. “now many drivers depend have bought the insurance, drives when unscrupulous, extremely easy to breed the traffic accident. If later must compensate the `vehicles depreciation expense ', the driver definitely wanted to think over.”A Hangzhou vehicle owner Mr. Mu said.however , also some people worried, many after more and more vehicle owners participate in the claim “the vehicles depreciation expense”, will create some unexpected consequences. Runs upon a BMW after for instance QQ, even if perhaps the QQ vehicle owner sold the vehicle could not also be as good as the BMW vehicle “the vehicles depreciation expense”. “will look like drives from now on cautiously, saw that the upscale vehicle will be best is hiding by far.”A QQ vehicle owner on-line said.

After traffic accident, the insurance claim five steps walk

After traffic accident, the insurance claim is a more complex process, believes the fine standard to insure the expert to remind everybody, certainly must pay attention to the automobile insurance claim procedure:after the first step newspaper compensates has the traffic accident, should properly protect the good scene, and reports promptly to the Insurance company, at the same time the road surface accident must report the Traffic department to process, (because the non-road surface traffic accident for example vehicles driving reason hits on tree or wall), should write up the supporting document. second step escapes from danger the situation, simultaneously damages surely to the vehicles, the estimate reasonable expense, and informs the vehicle owner the repair shop deal with accident vehicles which assigns to the Insurance company. If the vehicle owner requests to repair voluntarily, should handle studies independently the procedure, the repair expense like surpasses damages the expense surely, will pay voluntarily by the vehicle owner surpasses the part. 2. pair of third party risk claim, but should also determine legally by the Insurance company to the amount of indemnification, and pays damages based on the sum insured. Amount of indemnification which bring to a conclusion in private regarding the person insured and the third party, the Insurance company may refuse to pay damages.after 1.th third step payment stipulation total loss insures the vehicles have the total loss, if the insurance is equal to or is lower than escapes from danger actual value then, according to insurance compensation. 2. after insuring the vehicles have the total loss, if the insurance is higher than escapes from danger actual value then, according to escaping from danger time actual value compensation. 1.th fourth step payment stipulation partial losses insures the vehicles to receive partially loses, its insurance achieves when the insurance actual value, regardless of insurance whether to be lower than the actual value which escapes from danger, has the partial losses to defer to the actual repair expense compensation; The safe vehicles' insurance is lower than the insurance the actual value, has the partial losses according to the insurance with the escaping from danger time actual value proportion compensation repair expense. 2. insures the vehicles to lose the highest compensation volume to be limited to by the insurance. Fifth step payment time in vehicles repair or from the traffic accident processes settles a lawsuit in date for three months, the person insured should hold the insurance policy, the accident to process the proof, the accident reconciliation agreement, the repair detailed list and other related proved the Insurance company receives the indemnity. If has the dispute with the Insurance company not to be able to reach the agreement, may apply for the arbitration to the economic contract Arbitration authority or file the charge to the People's court.

How on haven't the sign vehicles escaped from danger the adjustment

Let gentleman just to buy a new car, and has handled the insurance in the proxy company. Because wants to participate in the next time racket sign, therefore these days continuously “bare sign” starting off. But hears has the friend after on the license plate has not caused the vehicles the adjustment to be refused by the robber, lets gentleman to be very disturbed: On the prompt sign's vehicles have not escaped from danger, Insurance company actually whether adjustment? Plants regarding the different danger, whether to have the differential treatment? generally speaking, after the vehicles escape from danger, the Insurance company carries on the adjustment to have two preconditions: First, must have the travel card which or the car license number the security traffic Control section issues after due investigation; Second, examines qualified in prescribed period after the security traffic Control section, the annual inspection and the year examines completes on time. , leads new cars and so on vehicle, test run not to be able on the prompt sign's situation also to sometimes occur, particularly in Shanghai many vehicle owners drive in the other provinces and cities the sign, this period of time then become “does not have the license plate” the vacuum time. The Pacific Ocean insures Shanghai Subsidiary company customer services center Qian Yanling to indicate that the outside does not reveal on sign's vehicles generally, so long as depending on the vehicles launch serial number or the frame side member number can the adjustment, this be actually inaccurate, the launch serial number or the frame side member number can only determine the insured vehicles sign itself, but is not takes three dangers, Che Sunxian the adjustment basis. Regarding on sign's vehicles, cannot the vehicles temporary migration card which issues depending on Che Guan carry on the adjustment. the vehicles temporary migration card is “the temporary car license which” Che Guan issues, generally the term of validity in 15 days, specially or leads the vehicle, test run as the new car not on sign. On sign's vehicle owner has not been possible to purchase the vehicles temporary migration card repeatedly, so long as in the effective lifetime, the Insurance company can approve and take the adjustment to need one of material. Some news said that temporary motion card's provide quantity possibly by the limit will be in the future 2 times, i.e. the vehicle owner should complete on sign's work as far as possible in 1 month, will avoid affecting in the future adjustment. It is noteworthy that vehicles when not on sign, what in some Insurance company car insurance chit registers is vehicles' launch serial number and the frame number, on after the vehicle owner again sign, is best carries on the chit to revise, alters to the car license number; But handles the chit to revise is completely free. in addition, although had the vehicles temporary migration card to take the adjustment certificate, but the vehicles robbed the emergency are still are removed as the relief in outside. The professional pointed out that once on sign's new car has not been robbed, the vehicle owner is unable to provide proof vehicles sign and so on launch serial number effective proofs, this compensates for the Insurance company nucleus brings the difficulty, simultaneously goes against the choice the factor to be also big; Stemming from the risk control's consideration, the Insurance company when robs in the emergency provision “not on the sign has the robber to snatch” lists as of iesponsibility.

Spring Festival the period automatic pilot tours the car insurance adjustment to understand early

Spring Festival approaches, many people planned that drives goes home or the automatic pilot tours. Many vehicle owners thought that bought the car insurance, the vehicle has entered “the safety deposit box”. In the insurance clause has some disclosure, encounters the following situation, the Insurance company does not give the adjustment. does not repair a vehicle to the assigned location to damage on the list the service price is surely the Insurance company rests on the reasonable market even price which the motor repair complete needs, but the vehicle owner chooses the repair shop is the personal behavior voluntarily, repairs a vehicle the receipt not to be equal to that damages the list surely. The correct procedure is asks the local Insurance company's damaging recommendation some repair level surely to be high, and has the cooperative agreement repair shop repair with the Insurance company.after escapes from danger, when after settling a matter privately to occur accident, the vehicle owner settles a matter privately, if does not have the Insurance company surely to damage the proof, the Insurance company is also unable the thorough understanding accident outline, is unable to calculate the adjustment volume. the vehicles come to anchor oneself process when the travel the vehicles to appear come to anchor the phenomenon to report rapidly, please the Insurance company send specialized rescuing to rescue the danger. If the vehicle owner through the manpower cart, possibly occurs arbitrarily hits once more, even overturns a vehicle, this kind of damage insurance company does not compensate. in the reserve box the goods lose do not give compensate at holidays, the present is numerous, but the automobile reserve theater box regard insurance theater box, once occurs in the automobile reserve box or the carriage interior goods loss, not in car insurance safeguard scope.

Fourth - - responsibility duty car insurance Uygur rights and interests series

The organization five lunar month with thirty days warehouse vein to make public multi-organizations simultaneously recommend the ultra cow reported confidentially: Under who snatched the bounce bulk lots to fall suddenly who to go against the flow? the fulfillment duty is obtains the insurance payment premise the nation insurance warm prompt: In the insurance clause, some part needs the policy holder to pay attention especially, that is the duty which the policy holder should to do. Otherwise perhaps carelessly, you because some definitely might avoid beforehand the mistake will cause oneself benefit to suffer injury. case: Mr. Zhang just for 2 Sangtana passenger vehicles which bought newly had bought the insurance recently, but was the second-hand vehicle after all, opened always thinks does not satisfy a craving, to seek a better performance and exercise the speed, he has carried on the vehicles chassis the re-equipping. Then performance, speed big promotion. But the speed was too quick the danger coefficient to be big, in one time exercised in high speed the process, has run upon the high speed road guard rail as a result of vehicles own reason. Mr. Zhang sues for damages to the Insurance company, but Insurance company after investigation evidence collection, made the part to exempt compensates processing. analysis: how can the insured guarantee that own rights and interests obtain the full safeguard, after escaping from danger obtains the prompt full amount the compensation? The general vehicle owners during the request Insurance company fulfill each pledge, also needs to be clear about itself the question which should pay attention in the insurance process, but these questions will often become the Insurance company to make the part to the individual case to exempt compensate or the claims rejected processing decision primary cause. According to "Motor vehicle Insurance clause" the stipulation, the policy holder, the insured must fulfill to the Insurance company inform the matter of strategy truthfully the duty. In this case, Mr. Zhang after purchase insurance, permits without the Insurance company, re-equips the vehicles arbitrarily, this was insures vehicles' safety performance to have the change, while caused the Insurance company to insure which the risk increased correspondingly, also gave insures on the vehicles, the vehicle owner and the road the pedestrian increased the danger. Moreover in the provision explicitly has also stipulated: “in the safe period, because after the safe vehicles re-equip, the addition, the change use, causes the degree of hazard to increase, must inform the Insurance company promptly and handle revises, increases the insurance premium procedure.” question essence: Mr. Zhang re-equips the chassis not to inform the Insurance company secretly, also the fulfillment truthfully has not informed duty, therefore, the Insurance company exempts compensates or the claims rejected decision is reasonable. Mr. Zhang erroneous zone: Thought that the insured took out insurance and pays the insurance premium to mean he had already fulfilled all duties, but has neglected the duty which in the insurance deadline the insured other should fulfill. the insurance clause lies in protects the insured and beneficiary's benefit fully, the insurer and the policy holder, the insured both sides has right at the same time also mutually to have the duty mutually. The insurance is one is fastidious about the good faith the domain, requests the policy holder to have the insurance interest to the insurance sign, must consider it truthfully to the insurance item to the insurer, emphasizes the good faith. Similarly, takes the Insurance company also to emphasize the good faith. Both sides only then fulfill respective proper duty earnestly, can obtain the rights and interests full safeguard.

Meets this kind of situation Insurance company to compensate

Some people thought that on own vehicle the fully comprehensive insurance has been possible “to have no more worries”, actually, the many situation Insurance companies do not give the compensation, the vehicle owners want certainly to pay attention. the situation one, throws the vehicle in oneself charge plot, the Insurance company does not compensate. reason: According to Insurance company's stipulation, every vehicles are robbed in the charge parking lot or the business repair shop, the Insurance company totally is not responsible to compensate. Because the above place has the storage responsibility to the vehicles, in storage period, because the storage life insurance tube creates the vehicles damage, the loss bad, takes care of the human to undertake the responsibility, the Insurance company is not responsible to compensate. Therefore, regardless of was Che Diu, has been delimited, the Insurance company totally did not manage. countermeasure: The correct method is looks for the parking lot to sue for damages. Therefore, the vehicle owner wants certainly to remember that collects the good daily parking fee, or other payment documentary evidence, after with the aim of having an accident, found the parking lot claim. the situation two, report must be prompt, Che Diu, but has not reported in the scheduled time to the Insurance company, also has not reported to the local Public security organ, the Insurance company does not compensate. reason: Motor vehicle insurance act average insurance 28th, 30th rushes to deal with an emergency the provision 4th stipulation with entire Che Dao: The insured after insuring the vehicles have the insurance risk should to the accident birthplace traffic police department report, moreover must certainly report in 48 hours, otherwise has the possibility to reject laims directly. countermeasure: After the vehicle owner escapes from danger, certainly takes in 48 hours to report to the Insurance company.

Whether does the loan auto purchase renew the being a problem car dealer to force to renew?

“in last August, I have bought a vehicle in the Zhengzhou some 4S shop loan, these days must when renews to the vehicles, I thought that the 4S shop the insurance premium is too expensive, thought that ask an Insurance company's acquaintance to renew, but the 4S shop's staff actually tell me, must renew in their shop, otherwise before pays 2000 Yuan will renew the deposit no longer to return. ” recently, resident Mr. Mei had reported to the newspaper he after loan auto purchase meets “the compulsion to renew” the question. vehicle owner: Why renews must in the 4S shop? “, because loans the auto purchase, the car dealer requests me to before paying off the loan purchase the `fully comprehensive insurance ', such request is reasonable, I may accept, but why can also to purchase the insurance premium the place to make the limit?”This point makes vehicle owner Mr. Mei not to understand very much that he believed that so long as plant according to the automobile manufacturer's request purchase stipulation's safe danger then, as for buys the insurance in where, which Insurance company chooses, he should have his decision-making power. regarding this, some automobile 4S the shop person in charge told the reporters, when initially Mr. Mei loaned the auto purchase, signed in the loan auto purchase contract with them already to renew the matters concerned to the insurance to carry on the agreement, namely the vehicle owner must, in the Financial company assigned in the 4S shop renewed, otherwise 2000 Yuan deposit no longer returned. Since signs has such contract, the vehicle owner must according to the contract agreement execution, the violation not be able to return 2000 Yuan deposit again naturally.however Mr. Mei does not approve regarding this, “initially when sign loan contract, the dealer has not informed my this provision explicitly the agreement, indicates regarding these 2000 Yuan deposit's reason fuzzily.” and Mr. Mei have similar bitter experience vehicle owner Mr. Liu also to report to reporter, “when initially signed the loan auto purchase contract, the car dealer brings several pages of contracts to let me sign, I also do not have looked carefully how various provisions are do agree, this year renews when only then knew, initially stipulated with in a dealer sign's appendix contract, loans in three years the vehicles to renew must in their company.”Regarding this, Mr. Liu thought that such contract obvious is “the overlord contract”, when conclude and sign contract the dealer has not arrived at the duty which the reminder informs. 　Car dealer: This act is only right for prevention risk facing the vehicle owner “the compulsion renews” “the overlord provision” the accusation, some car dealer “tells of one's hardships and oppressions greatly”. “regarding the automobile Financial company, the automobile consumptive loan risk is big, therefore in sign auto purchase contract time, the car insurance first beneficiary is the Financial company generally, only will then like this only then make loans. If the consumer renews time to the dealer place, the dealer will not be unable to supervise the vehicles whether to press the request to renew, but if the vehicle owner is not prompt renews, the vehicles have the accident or the loss, the vehicle owner also do not have the credit repayment ability, this will give the Financial company to create the massive loss.”Some car dealer finance loan's department person in charge indicated that at present the vehicle owner loans the auto purchase the head to pay the proportion only then 30%, after first year repayments, still has big part of Che Kuan is pays by the Financial company, to guarantee that Financial company's benefit, can only adopt receives renews the earnest money the bad plan to restrain the consumer. “the mortgage auto purchase needs to hand over renews the earnest money already is the profession hidden rule, has not only been revealed.”An anonymous car dealer credit consultant indicated that “the present major part dealer can request the mortgage auto purchase to hand over this expense. Requests the insurance is essential, since because loans the auto purchase, then this vehicle's property right did not have to belong to individual completely, if the vehicle is robbed snatches or the accident, is lost possibly is the Financial company (or bank), 4S the shop must take the joint and several liability.”Attorney : The car dealer procedure is “the overlord provision” the Zhengzhou holds up day Law office Director Li Weifu to believe that the such provision agreement obvious existence “the overlord provision” the suspicion, has itself as the vehicle owner to the vehicles insurance option, the loan company may request the vehicle owner to renew, and to renews must purchase the danger which plants and insures the first beneficiary (Financial company, bank) the grade approximately to make the stipulation, but cannot limit the vehicle owner to purchase the safe place. If the consumer thought that such contract is “the overlord provision”, has encroached upon the vehicle owner proper rights and interests, then may through the legal way recognize that this provision is the invalid provision. Li Weifu also simultaneously reminds the consumer, because the automobile manufacturer provides the contract is the form provision mostly, these form provision also only mostly is formulates in a car dealer side benefit foundation, therefore, vehicle owner in sign auto purchase contract time, certainly wants the careful reading provision to stipulate, meets “the overlord provision” to be possible similarly to reject the signature.

4S店车险定损“潜规则”触碰《保险法》

“on car insurance time, the sales personnels have provided two set of car insurance plans to me: First, purchases the car insurance in the 4S shop, may enjoy 8 zhe the preferential benefit, and the superiority is 4S shop has damages the power surely, the entire responsibility adjustment gold does not need the customer to pay; Second, may also buy in the non-4S shop, if insures intermediary or the telephone car insurance, may also buy a discount lower insurance in there consumer, but does not guarantee all questions which generally in the adjustment process occurs.” recently, reader Mr. Sun came the electricity to consult its question, “which set of plans do I this choose? whether the 4S shop does have the car insurance to damage the power with to control the car insurance price at will surely the right?”Study question, reporter to the 4S shop whether to have the car insurance to damage the power to carry on the investigation interview surely, also saw damaged surely about the insurance some questions. the 4S shop has damages power to surely understand that 4S shop whether to have the car insurance to damage the power surely, first looked that the Insurance company damages the way surely. At present the Insurance company to damage the way to divide into three kinds surely: Destines damaging by Insurance company this to damage surely, this way is suitable in involves the amount big adjustment; Asks the social company agents to damage surely, is responsible for the nucleus damage with investigates and determines a price; Last kind is authorized the 4S shop, the repair shop by the Insurance company long-distance to damage surely through the network. Last kind damages the way the adjustment gold to have certain monetary limitation surely, the adjustment amount in 2000 Yuan - 20000 Yuan. That is, the 4S shop insured company awarded has damaged the amount vehicles based on this to damage the power surely surely.
　It is reported that the domestic Insurance company basic can award the sale on commission at present to decide damages the power, has the Insurance company to move into 4S for a long time the shop. Shanghai damaged the traffic accident in April establishment's vehicle to insure the adjustment center first batch to set up 5 centers, these 5 centers set up in 5 scale big 4S shop. According to the Yangtze River road on the numerous country east wind Citroen center said that in the shop has 13 Insurance companies to enter and be stationed in turn, then, after the customer escapes from danger, can obtain the convenient adjustment service. the insider disclosed that “, although various Insurance company's car insurance tariff computational method differs from, but the discount basic is consistent.”The insurance returns to the spot is one of dealer profit origins, therefore the car insurance resources also nearly are the service items which each seller must strive. Therefore various 4S shop's car insurance selling price discount nearly arrived at the price agent which the Insurance Regulatory Commission stipulated 7 zhe. But takes various 4S shop, they do not have the control car insurance selling price authority. the 4S shop damages surely has advantages Reporter in the understanding about in the 4S shop car insurance information process, also understood in the 4S shop car insurance exists advantage and shortcoming. it is known that in the accident adjustment, one which of questions the consumer most has a headache is the Insurance company to adjustment gold falling behind, although Shanghai nearly all Insurance companies have pledged: Sues for damages the single card to be complete, to sues for damages amount both sides to achieve consistently, only involves Che Sun to compensate the document, in 5th pays the adjustment gold (holiday to postpone); Involves the human to injury compensates the document, in 10th pays the adjustment gold. But the Insurance company is actually unable to make the prompt adjustment, the consumer one and so on is several months in fact. But has purchased the car insurance consumer generally in the 4S shop, not only damages the adjustment speed to be quick surely, moreover, when has the accident, and is determined when has the responsibility, does not need to pay the adjustment gold, but completely processes by the 4S shop. But the insider indicated that regarding the 4S shop, it bigger car insurance profit lies in escapes from danger the service adjustment, but existence contrary operation. “the dealer has the difficulty, moreover also has the customer request, therefore we can only leave a loophole.”Joint capital brand 4S the shop car insurance person in charge introduced to reporter that “Insurance company's adjustment amount and the thing damage certainly the amount existence certainly to sell the price difference only, according to the conventional procedure, these price differences must pay by the consumer. Will think regarding this as the consumer did not understand that this time our general procedure will be the jot damages surely is coordinated from a man-hour of expense, the large quantity will damage surely when considered that will increase the fitting project. For example the vehicle owner has collided and damaged the bumper, then we give him to open down the head lamp headlamp, makes up the bad head lamp headlamp, damages the adjustment to fall surely together, then installs again the good head lamp headlamp, from this makes up the price difference.” such procedure is really actually universal, the nuclear fixed members who Insurance company damaging, the network damage surely surely knew in the heart that the stomach is bright. Moreover the Insurance company has been controlling surely damaging and the dealer form “the cooperation intercommunication” the relations. It is known that some Insurance companies stipulated that damaging must one quarter round hillock one time, avoid surely damaging surely and the dealer “the cooperation intercommunication”. However Insurance company's stipulation has not played the very big control action.

The car insurance as wants take “the safeguard” the automobile purchase insurance is originally for “the safeguard”, the safeguard security, the safe

　　Insurance two way on the second-hand vehicle insures does not have the imagination that complex actually. The consumer definitely may complete, thus saves the commission fees which insures. handles the car insurance transfer to have two ways: The first kind mainly carries on the chit essential factor some to revise, the key is revises the insured and the vehicle owner. Needs the material is quite simple, takes to bring with the chit and the vehicles transfer proof, to buys the insurance from the original vehicle owner the Insurance company marketing mesh point to handle originally then. the second way, is the application draws back guarantees, namely sends back the original that car insurance, terminates the beforehand contract. By now only needed to pay starts from the insurance to draws back guarantees this period the insurance premium, the other insurance premium Insurance company will return correspondingly. Afterward, the new vehicle owner may arrive at any Insurance company to handle a car insurance. The material which in this kind of situation, draws back guarantees when needs, also wants the ID card except the chit. Takes out insurance, only need provide the new travel card, or the vehicles transfer title of ownership the proof might take out insurance.how did the insured value determine that the vehicles' insured value is according to new car's purchase price decision, including vehicles unit price and additional purchase expense. the vehicles damage insurance's insurance may decide according to the insurance time insured value, may also consults the determination by the warrantee and the insurer, or decided according to vehicle's actual value, but highest do not surpass the insured value, surpasses the part to be invalid. in the insurance clause stipulated that insures vehicles' actual value formula is: The actual value = new car purchase price/country stipulated that the service life * (country stipulates service life - already service life). 　In the concrete operations may consult the Insurance company staff, like this is free from worry.on which dangers plant the second-hand vehicle generally “the vehicle” the old bead yellow, the boldest safe plan may on only 100,000 Yuan three dangers. Repairs the cheap vehicle like this regarding Poussin, courageous, the technical perfect vehicle owner might as well directly gives up Che Sunxian. the another kind of conservative on danger's plan was in has guaranteed three dangers, average insurances and so on outside Che Sunxian on a robber emergency. Poussin is the black market common vehicle type, is robbed the risk to be high. However robs the emergency price to be high, wants to economize the consumer may high quality security rob between the emergency in the purchase with on to make a choice.

Do not covet the little profit to buy the car insurance to elect to assign service shop cautiously

After buying the insurance is the auto purchase must pass through the procedure, but buys in where, spends the how much money to buy is very the key, after the direct relation automobile presents the breakdown adjustment. Some vehicle owners initially bought the vehicle hour corrupt little profit, to save several hundred Yuan to throw the insurance premium, but through some not regular proxy organization insurance, after waiting the automobile to present breakdown, cannot obtain when the ideal principle compensation Fang Zhi to regret. The professional reminds the vehicle owner, the purchase insurance do not want to covet the little profit well. did not service in January breakdown one month ago vehicle owner Mr. Guo to have a traffic accident once again, appraised after the Insurance company, to the initial insurance service factory service, more than 1 month of vehicles original traffic accident suffered injury the spot once again breakdown. Mr. Guo arrives at the 4S shop examination, the conclusion is the previous service has “the sequela”, but because the vehicle owner escapes from danger, is not in the 4S shop service, therefore 4S shop rejection free maintenance. Repairs a vehicle the factory to recognize that originally the repair does not have the question, the Insurance company expressed that the vehicles accident already the adjustment finished, suffers injury once more belongs to the service accident, is not responsible to compensate. Therefore, Mr. Guo can only from pick pockets the nearly thousand Yuan. original, Mr. Guo takes out insurance damages the service enterprise is not the 4S shop surely, buys the vehicle takes out insurance time to save the insurance premium, he takes out insurance through the Insurance agent, assigns the service shop is the common automobile service factory, may save 300-400 Yuan to throw the insurance premium. Facing nearly thousand Yuan service costs of the loss, Mr. Guo said that has one kind of gain does not equal the loss feeling really. 　The car insurance as wants take “the safeguard” the automobile purchase insurance is originally for “the safeguard”, the safeguard security, the safeguard loss obtains reimburses essential. The insurance premium height closely is also related with the insurance content. Chooses when the car insurance, if only takes the insurance premium to make the comparison, but neglected the danger to plant, the responsibility scope, the accessorial service and so on key aspect, had the possibility to create the gain does not equal the loss. is high in the 4S shop insurance expense, but the vehicle owner may enjoy to the more specialized point service, usually damages the volume relatively to be also high surely. If selects the insurance to the small proxy, usually the insurance premium will be low a spot. But the Insurance company damages surely, if damages the specified amount to be lower than the 4S shop repair expense surely, the vehicle owner must make up the price difference or seeks for the service factory. If meets the bad service factory, has the possibility to create the vehicles very much “two breakdowns”. therefore, the professional reminds the vehicle owner, if thought when insurance assigns 4S shop maintenance cost unacceptable, certainly must before the insurance the inquire closely Insurance agent takes out insurance assigns the service shop the intelligence and the credit, in order to avoid suffers the loss.

Summer the climate unusual attention car insurance summer “four do not compensate”

　The climate is summer unusual, or the hot hot sun, either the pouring rainstorm, very easily causes the damage to the automobile. But creates regarding certain peculiar circumstances the automobile loss, the Insurance company does not give the compensation. in the water starts sends the engine to damage in the summer is the rainstorm sends the season, once in the rainy day driving, very easy to flood the engine, if starts easily in the water to create the engine damage. But, the misoperation causes regarding the vehicle owner in the water explodes losses and so on cylinder, the Insurance company does not give the compensation (, only if vehicle owner takes out insurance “fords hazardous going by water”, some Insurance companies do not have this danger to plant). the expert reminds: The car owner when has not determined the water depth, certainly do not go by car to ford. the blowout causes the tire loses under the hot hot sun, if the automobile tire gasification is too full, meets insolation the road surface again, very easy to initiate the blowout. But tire's loss which causes regarding the blowout, the Insurance company does not give the compensation. the expert reminds: Should better not imitate too full in the summer automobile tire's gas, when driving do not run the express train, is careful causes the multiple losses because of the tire initiation accident. the automobile body unaccelerated aging and damages the summer, the vehicle drenches after the insolation perhaps the rain easy to create the scratch spot primer flaking or the corrosion. Che Biao who creates regarding this kind of reason loses the insured company to be called the nature damage, belongs to the relief scope. the expert reminds: On when the automobile body has the scratch, certainly must inform the Insurance company to carry on the adjustment promptly, repairs as soon as possible, in order to avoid breakage surface expansion. in the vehicle danger detonation many vehicle owners can put the commonly used little thing in the vehicle, like the cigarette lighter, the aromatic compound and send the rubber and so on, but in extremely hot summer, these high explosive cargos, if the long time after the insolation, very easy to initiate explodes, regarding the Insurance company firm will not compensate. the expert reminds: In vehicle's high explosive cargo must certainly pay attention to depositing, because is careful own some tiny customs to create the heavy loss.

The vehicle different purchase car insurance is sure not with the wind

Now the car owner are getting more and more, many new vehicle owners did not understand to the car insurance, when purchases the car insurance will inquire that some will have vehicle's friend, looked that they will buy any danger to plant, oneself with will also be buying. Actually, when purchases the car insurance this kind with the wind is very may not take, because each vehicle's vehicle type is different, vehicle owner's road sense, the travel environment are also different, some dangers plant suit others, actually not necessarily suits itself. When purchases the car insurance, and so on some average insurances plants besides Che Sunxian and the third party liability insurance, vehicle main overall evaluation their vehicle type, the vehicles new old and so on factors determined that the insurance the danger plants.　　 　　* entire Che Dao rushes to deal with an emergency the liability of compensation: Entire Che Dao rushes to deal with an emergency is responsible to compensate the insurance vehicles entire vehicle to steal, is robbed, the loss which robs creates. If the vehicles are robbed are snatched, the Insurance company carries on the compensation in the insurance money within the amount. If after the vehicle is robbed snatches retrieves, but the vehicles damage or the spare part lose, the Insurance company is responsible to compensate the repair expense. what needs to pay attention, entire Che Dao rushes to deal with an emergency is only responsible for the loss which compensates the entire vehicle to lose creates, if the vehicles components lose alone, the Insurance company is not responsible to compensate. For instance: The vehicles park when the tire is robbed, the Insurance company is not responsible to compensate; The vehicles are robbed when snatches, places in vehicle's goods Insurance company not to be also responsible to compensate. insurance prompt: If the vehicles are mainly coming and going to work riding instead of walking use, and the housing and the company have the special garage to park the vehicles, the vehicles do not park generally the place which safeguards in nobody, the vehicles the possibility which robs are been low, may consider that does not purchase this danger to plant. In addition some vehicle being the victim rate is quite now high, if you purchase the vehicles belong to this kind of vehicle type, that suggestion purchases robs the emergency, increases a safeguard.
　* EPI does not compensate the special danger　　 liability of compensation: Is responsible to compensate the vehicles damage insurance and in third party liability insurance is conforming to the indemnity within the amount to undertake by insured exempts compensates the amount. Took out insurance EPI not to compensate the danger not to represent can certainly obtain 100% compensations. EPI does not compensate dangerous the adjustment scope not to buckle the franchise including Canada, the Insurance company like will escape from danger to some situations, the ultra scope travel, the adjustment credential not entire and so on Canada to buckle the franchise many times. Canada buckles the franchise not to involve the vehicle owner accident risk, therefore does not belong to EPI not to compensate the special provision the adjustment scope. in addition, EPI does not compensate the danger is extraneous risks, only aims at Che Sunxian and the third party liability insurance and so on main danger, regarding extraneous risks and so on spontaneous combustion danger, non-error liability insurance does not have an effect, it is unable the extraneous risks franchise to pass the burden for the Insurance company. insurance prompt: EPI did not compensate the danger quite to be useful regarding the novice. Novice's road sense is not skilled, easy to occur bumps scratches, if in one year escapes from danger many times, exempts the compensation is also not a small loss. After insurance EPI does not compensate the danger, when adjustment can exempt the compensation to pass the burden for the Insurance company, reduces vehicle owner's loss. But is skilled regarding the road sense, the transportation realized strongly, the parking safety rate high vehicle owner, might choose does not buy EPI not to compensate the danger.
　* on vehicle personnel liability insurance liability of compensation: On the vehicle the personnel liability insurance is responsible to compensate the insurance vehicles to have the accident, causes expense loss which on vehicle's driver or the passenger personnel casualty creates, as well as loses the necessity which for the reduction pays reasonably to rescue, the protection expense. On vehicle personnel liability insurance when insurance, must indicate the insurance seating capacity, when presents the insurance risk, the Insurance company only undertakes in the insurance seating capacity responsibility. if has only taken out insurance on a seat's vehicle the personnel liability insurance, no matter has time the accident in the vehicle several injured, the Insurance company only pays indemnity for a person's damage. the update car insurance the personnel liability insurance's provision has also made certain revision to the vehicle on. The personnel liability insurance divides into the pilot and the passenger seat the vehicle on, the policy holder may purchase insures the pilot alone or insures passenger's danger to plant alone. insurance prompt: If vehicle owner's vehicles not often carry passengers, may choose on the insurance driver's seat's vehicle the personnel liability insurance; If on the vehicle needs to embark the passenger frequently, may choose the pilot and the passenger seat takes out insurance on the vehicle the personnel liability insurance. What if on the vehicle rides frequently is the family member, moreover you and the family members already had taken out insurance in the life insurance accident insurance and the accidental medical insurance, that was not unnecessary to take out insurance again on the vehicle the personnel liability insurance, because the accident injury and the accidental medical insurance provided the safeguard scope basic might cover the vehicles accident to escape from danger the injury which created to the personnel.　
　* spontaneous combustion damage insurance　　 liability of compensation: Because the spontaneous combustion damage insurance is responsible to compensate this vehicle electric circuit, the line, the oil supply system to break down and delivery cargo own reason is on fire the combustion, creates the safe vehicles lose, is responsible by the Insurance company to compensate. If the vehicles are on fire are because vehicle owner in use insurance vehicles process, because artificial direct feed, the open fire roasting and so on violates the vehicles which the vehicles safe operation rule creates to lose the spontaneous combustion danger not to compensate. in addition, the vehicles spontaneous combustion only creates the electric appliance, the line, oil supply system's loss; Insured's intentional act or the illegal activity create insure vehicles' loss; The delivery cargo's loss spontaneous combustion damage insurance also does not compensate. insurance prompt: Generally the new car not too will have the spontaneous combustion, therefore the new car may consider that will not take out insurance this danger to plant. Along with vehicle age increase, in the vehicle each part gets older gradually, has laid down the hidden danger for the spontaneous combustion occurrence. Therefore, regarding 45 years above the vehicle age long vehicles, the vehicle owner should consider that Canada buys the spontaneous combustion danger. 　　* glass independent risk of breakage liability of compensation: The glass independent risk of breakage is responsible to compensate the insurance vehicles in the use process, has this vehicle glass alone stave loss. If vehicles' glass stave is causes by other accidents, is compensates by Che Sunxian. In addition, in the glass independent risk of breakage's glass refers to the wind shield glass and the glass glass, not including headlight, vehicle mirror glass, if the headlight, the vehicle mirror glass is stave and in the vehicles service process creates stave, the Insurance company does not undertake the liability of compensation. insurance prompt: If the vehicles take the coming and going to work riding instead of walking tool, the housing and company's parking environment is good, the vehicles also generally do not park in the Construction site, the vehicles glass stave possibility are not alone big. Moreover the present town center's road surface situation is good, in the travel not too will have the small stone to fly breaks the vehicle glass, therefore in decided whether to purchase this danger will plant when must consider the vehicles will park the environment to decide. the glass independent risk of breakage divides into the domestic product and the import, the domestic product lowers some relatively compared to the import tariff, the vehicle owner may act according to own vehicles whether to import chooses corresponding the danger to plant.

How does the policy holder deal with the car insurance market the new change

On November 1 starts the life insurance update car insurance which carries out, because established 500 Yuan to exempt the compensation to cause social and the market strong reaction. China Insurance Regulatory Commission property insurance supervision department system place Department Head Dong Bo indicated specially the other day that the life insurance new car damages the dangerous product is authorizes after the Insurance Regulatory Commission, is not a suspect contrary. This confirmed from the policy surface life insurance update car insurance releasing conforms to the normal procedure, but does for policy holder's general vehicle owner friend, possibly cared after the life insurance this time carries out the update car insurance, can other Insurance companies follow up, how should the policy holder deal effectively? the this life insurance car insurance adjustment has two changes to be most obvious, one was in Che Sunxian increased absolutely not the EPI compensation, was also slightly hacks slightly rubs the service to be lower than 500 Yuan minor incident policy holders to pay. Second, premium rate because of vehicle type, but different. Because the life insurance wealth danger sits quietly the car insurance market first position in a hierarchy, therefore, life insurance wealth danger's every action and every movement, can arouse the market high interest. Huatai: At present has not received company's document, adjusts also is not too now clear. is safe: Now has not received the notice which the premium rate rises in prices. when to reporter sending a manuscript, has not spread the Pacific Ocean property insurance company, the safe property insurance company and so on other Insurance companies whether to adjust own car insurance tariff the news. However, the professional analyzed, because the life insurance has accounted for the car insurance market nearly 70% proportions, therefore it was also very strong to the market controlling force, this life insurance adjusted prices, reflected the entire car insurance market was developing toward the marketability direction. regarding had a vehicle race, for the vehicles insurance was the question which every year must face. But, facing various Insurance company these many conditions, the price different product, how has a vehicle race to choose suits own safe product, can achieve “the flowered change according to what kind of smooth insurance to hold the important matter”? The river extreme insures broker Limited company's Zhang Jian to suggest that must first establish the correct insurance awareness. Zhang Jian: The determination buys any insurance to have such several standards, one is looked it occurs the probability is high, one will be it has later the loss which will create to you to have in a big way, these I will not have the means not to have strength withstanding certainly to want key to take out insurance. when the consumer purchases the insurance, may relate several Insurance companies through each way, introduced that oneself vehicles' situation, contrasts various company afterward the car insurance combination chit which orders for yours love Che Dushen. , The scale big Insurance company chit price is on the other hand expensive, but the merit is the company damages the mesh point to be many surely, may draw support from the repair shop to implement on the telenet to damage surely, the adjustment speed is quite quick. Now those who have 40%-50% policy holders to use is entrusts the adjustment the method, after reporting, the vehicle, Shan Zhenghe entrusts the documents for claim to give the repair shop which together the Insurance company recommends, only need wait the notice in the home the vehicle which fixes to open. Zhang Jian introduced that what if you bought was the new car, suggested that should better the vehicles damage insurance, on the third party liability insurance, the vehicle the personnel liability insurance, the entire vehicle be the victim dangerous these average insurances to plant guarantees neat. When insurance must pay attention, also cannot to economize constantly, but shortage insurance, also does not need to spend exceeds the quota the insurance. The unwise choice is the full amount insurance, is vehicles value how many guarantees how many. if the vehicles approach the date of retirement, suggested that you only guarantee the third party liability insurance, because this kind approaches the date of retirement the vehicle, the vehicle condition is bad, invests many again is not too obviously cost-effective. Zhang Jian: At least after present new friend law implementation, I thought that the third party risk buys very much important full. Because presents the traffic accident is not take individual will as the shift, once occurs if you do not have the full amount third party liability insurance, once presents amount quite high claim, then this driver possibly wants to lose everything. In the danger plants in matching, Zhang Jianhuan suggested that besides Che Sunxian, the third party liability insurance two average insurances, suits the private vehicle owner in more than ten extraneous risks mainly to have four: Suits the trick-cycling not good novice EPI not to compensate the special danger; The upscale vehicle has the glass independent risk of breakage which very much the necessity buys; Does not have the fixed parking point, the plot public security condition not to be good, as well as drives the vehicle owner who runs errands the place to be best frequently guarantees entire Che Dao to rush to deal with an emergency; The new car is scratched delimits most to let together the vehicle owner love dearly, may spend 3500 Yuan insurance scratch danger. we remind the consumer finally, at present each Insurance company's car insurance provision is different, which are most reasonable, the policy holder may make the comparison, according to the own concrete term choice Insurance company and car insurance.

The automobile insurance guards against the intermediary cloth trap

Before vehicle owner Mr. Yang the car insurance due, received unceasingly at the end of last year insures clerk's telephone, sold the respective Insurance company's car insurance. The final insurance intermediary clerk has brought to his attention, this clerk called he is at the company is a Insurance company's first-level proxy. But purchases the car insurance through them only to need for 4900 Yuan/years. But before Mr. Yang's car insurance expense has not been lower than 5000 Yuan/years, moreover he also has left last year several dangers, therefore the insurance premium should also have surfaces the boat. Therefore Mr. Yang requests opposite party to come out the concrete insurance premium detailed newspaper. Opposite party name must calculate that the concrete expense needs to provide the vehicle owner the ID card number, therefore Mr. Yang the protection has not provided own ID card number. The very quick several minutes, after this clerk investigates the material, discovered that Mr. Yang's vehicle left three dangers last year, the request has increased price promotes 1000, Mr. Yang could not accept such price to reject. This clerk inquired immediately Mr. Yang planned which Insurance company purchases the car insurance, Mr. Yang speaks thoughtlessly the expression plan to take out insurance in the B Insurance company. several days later Mr. Yang asked A Insurance company's clerks to purchase the next fiscal year to be safe, the result is informed actually he the junction strong danger already under the B Insurance company only. Afterward several day of Mr. Yang accidentally has received this insurance intermediary clerk's telephone, is informed already helped it to take out insurance the car insurance in the B Insurance company to combine the good chit, Mr. Yang must only sign the confirmation and pays money in front of then. In Mr. Yang interrogated he has any right when without the person concerned agreement under the list, this clerk indicated that the chit already left, can only in leave the single Insurance company to purchase the insurance, has been unable to elsewhere to purchase. After Mr. Yang three suits, the B Insurance company abolished this chit finally.
The expert comments the document to handle the car insurance to choose the situation which regular channel Mr. Yang meets, should be intermediary first under a Insurance company the list, after then prepares attains the insurance premium, then draws back the list to purchase Mr. Yang to hope the purchase the B Insurance company car insurance. Mr. Yang this kind of bitter experience snatches the single vehicle owner to be not infrequent likely, the expert reminds the vehicle owner to buy hands over the strong danger to choose the regular marketing channel, the vehicle owner may handle directly to the Insurance company selling area, throws the material which the protection strong danger needs to have the travel card and the ID card copy, the Insurance company could find the vehicle owner this year junction strong insurance cost rate through the car license number, might handle appropriately immediately; May also send a telegram to the Insurance company to handle directly with handles the insurance in the Insurance company official website. Attorney reminds the insurance which the study car insurance and legal knowledge in the present market appears intermediary to be very disorderly, reminds the vehicle owner not to be able only to look that the price must compare the adjustment and the service, simultaneously reminds the vehicle owner when signs the insurance contract, the insurance clause reads carefully again has signed, must see clearly the insured liability. The insurance contract is the form contract, lets the non-professional the vehicle owner look that fills the technical expression the insurance clause, itself puts in the policy holder the very disadvantageous status, therefore, the parties concerned have in the essential examination insurance contract to exist to the policy holder unfair insurance clause. Suggested that the vehicle main multi-study related car insurance and the legal knowledge, avoids, whatever insures intermediary organizes, is at the passive position. the specialized reminder enhancement guard realizes the professional to remind the vehicle main enhancement guard consciousness, the regular Insurance agent has insures the agency factor qualifications card, moreover by ways and so on low price discount will not tempt the policy holder. When facing insurance proxy telephone, must determine that this is a regular Insurance agent can under the list, the policy holder not be able to depend on Insurance agent's several promotion telephone and so on individual information to disclose the ID card. Extends reading to consummate insurance intermediary market system China's insurance intermediary, regardless in organization quantity, service scale, in the technical service aspect which provides for the insurer and the insured, is quite backward, but corresponding intermediary carries on to the insurance the supervision is also being at the start stage. is uneven in view of the current intermediary market organization assignment, the development speed does not wait for the present situation which, the supervision level varies, for the enhancement insurance supervision troop's whole supervision level and the quality, suggested that the Insurance Regulatory Commission multi-organizations supervise personnel's training study, strengthens the provincial capital area the exchange. In the condition permission's situation, carries on the intermediary supervision with the insurance intermediary market developed country the exchange and the study, studies positively profits from internationally some mature supervision experience, further strengthens consummates the safe laws and regulations system, strengthens each kind of insurance supervision indicator system construction, the cultivation adapts the intermediary market development high quality supervision troop.