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.