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.