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.