The insurance company last drop of blood drain ( c

Obscure provisions of insurance companies, this article teaches you in simple terms how to deal with insurance companies

(a) vehicle damage, third party
(b) 丢车
(c) of the collision
(d) insurance policy claims

fine solution (a) - vehicle damage, third party

we first talk about the most important car damage insurance and liability insurance.
Che Sunxian and liability insurance, vehicle insurance, basic insurance, the main compensation for the loss of the insured vehicle and the vehicle in use by the insured caused the loss of a third party!
you probably think even the loss of vehicles due to natural disasters, insurance companies are also not wrong according to compensate!
words of the half, most of the losses caused by natural disasters are lost, and only,ferragamo purses, except as -------- earthquake! ! ! !

Case 1: If your car had the honor to be building in the earthquake hit it, ha ha
our approach: a few days after the earthquake, etc. to apply for compensation
Chuxian statement: probably due to wall loosening caused by the earthquake, and finally fell in one day (not to mention the dangerous condition of the earthquake) ★ ★

Case 2: If your car brakes in a , the car's windshield, causing stuff flew to break the glass. You say?
you honest on the insurance company said: . . . . . . . . . . Members of the claims will be pointed to his mouth: statement of the facts
escape from danger: one of my friends practiced iron hand skill brakes crashed the windshield, ok!
Remember, items inside the car hit by the loss suffered, the insurance companies do not lose it! ! ! ! ! ! ★ ★ ★ ★ ★

Case 3: If you in the trailer collided with another car when the
our approach: ignore the fact that there is something
Chuxian statement: Do not mention you by others in the towing vehicle or towing,prada booties, or whether you have responsibility for the accident, the insurance companies will not pay
Case 4: Again, if you are a boss, because some of the account book The problems and friends had a falling out, and your friend is a villain, he secretly stole your car, you guessed would be his doing, you will find the insurance company to compensate it?
tell you, the insurance company are not liable for compensation. Because of provisions: the insured person and others in civil, economic disputes Erzhi vehicle was robbed, stolen for the exclusion of liability.
So, you can forget your big economic disputes directly to the public security bureau, remember, do not say that out of your suspect, otherwise you will pull the financial problems came to China, the efficiency of the court, you Within about six months out of the car had hit!

Case 5: If you just bought a new car, on the whole risk, but did not have time license (now the traffic control regulations: inspection 15 working days after the license plate be brought), After the insurance company liable for dangerous condition of it?
not responsible for compensation. Because the dangerous condition, the insured vehicle must have two conditions, one insured vehicles to traffic management department of public security issued driving permit or license plate, the second is the provision of traffic management during the period of the public security department of inspection. But in general, by special agreement before the government required the insurance department under the number plate issued after the inspection of new vehicles will be responsible for the Che Sunxian home and liability insurance. Therefore, the compensation charge 丢车 Daoqiang Xian has not entered into force, naturally, you will not get compensation.
seems to change if you are not relied on guts about lost time, buy a new car even if given away,new gucci! I did not say anything then ah

Case 6: If your car recovered, the insurance company how to deal with compensation?
robbery insurance vehicle was recovered, if not indemnity insurance company, the vehicle should be returned to you, but during the whole car was robbery, the vehicle suffered damage or vehicle parts, loss of ancillary equipment needed reasonable costs of repair, the insurance company to pay compensation. If the insurance companies have compensation, should be returned to your vehicle, while the corresponding recovery of reparations. If you do not want to recover the original car, the vehicle owned all the rights and interests of the insurance company.


insurance policy refinement solution (c) - Crash

I would like this document to hit a car and could crash a friend!

as long as the crash, the insurance company now lost it? Of course not
you just look at the hands of the policy seriously damages Disclaimer know, insurance companies have a lot of things that do not pay it, trying to minimize the loss, or come to me, ha ha!

Case 1: Suppose you are a novice, just take a car (of course, chances are the rental car), on the road Lianju time to hit your brother, you know this car have liability insurance, you will find the insurance company claims?
Answer: If you go, you're crazy, the insurance company will kick you kicked out, and why? ?
First, you have to know what is liability insurance, full name: third party liability insurance. (Third Party people may not care, Oh)
then what is the interloper?
means any third party insurer and the insured in addition, because the insurance vehicle accident caused the insurer to persons or property under the vehicle suffered damage to the victim under the car. Popular third party is ruled out of four people say: that the insurer, the insured, the vehicle driver when the accident occurred and their family members, the insured person's family members.
now understand that you as a driver at the time, hit your family, insurance companies, instead of losing, well, you know how to do it!
what? Do not know? Mad at me, do not crash, another driver finished Well, really, what I say out of harm

Case 2: If you were fortunate enough to hit his car, and it is your responsibility to the whole, the court sentence you to pay for you guarantee to pay compensations each other's economic loss, mental damages, disability damages. . . . How do you deal with it? ?
also how to give money for it!
wrong! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! !
you should consult the other family members, and increase economic damages and loss of disability compensation, minimum compensation as far as possible the spirit, not of course, the better.
Why? You asked me why? This is not for six sheep, five horses
Well man, you are wrong, the insurance company is not entirely unconditional commitment ',a&f discount, the insured amount of compensation shall be paid according to law', but according to provisions for compensation. The clause expressly provides that an accident caused by insured damages of any spirit for the exclusion of liability. Therefore, regardless of whether the court should be insured compensation for mental damages, the insurance companies are not responsible for compensation.
understand? ? Other insurance companies pay for you, regardless of spiritual loss may, therefore, prefer to give each other money, they should not promise the spirit of compensation, in short, the insurance company of generous expense Bai, Ha ha!
Case 3: If You're fortunate enough to crash, this time is not your responsibility, and the other party do not want to lose money, you can find an insurance company claims?
Answer: Yes, but you must first third-party claims, we can be an insurance company. If you give up claims to a third party the right to claim directly to the insurance companies, insurance companies do not pay. Because you give up the rights to a third party recovery, while also giving up the claim to the insurance company's rights.
So, remember, remember, we must go first to pay the other party, it is best to enforce a court proved unsuccessful, then you can look confidently to the insurance company, leaving them clean up the mess despite the go, Who they are received each year so many of your insurance too!

Case 4: I remember used to have a bad driver under the command of jc, crashed into the escape of criminals is the result of two cars collided, and what is a Cana, the insurance company will pay him?
course not, plainly written in the insurance provisions, the driver's intentional act is not compensable, we can only fix the car by yourself: (
So, if you do not have the economic capacity, in a hero Oh, to think about before!!!


insurance policy refinement solution (d) - claims

★ Insurance Case I: (must-see, because you may not have heard before .)
friend lost a car, has been full insurance, my insurance company claims, failed, insurance company exclusions reasons: to check Vehicle Administration, this car is not inspection.
Case Study: Insurance Company To do that, very reasonable, also in accordance with the provisions of insurance contracts: insurance is only effective on the passing vehicles, the vehicle can not be disqualified annual inspection of vehicles, even if you are useless no matter how well maintained, the result can only be lost white cast, but also on the white on the insurance, the insurance cash value at the most back.
Case Conclusion: your car, be sure to schedule the annual inspection, after the extension must not, otherwise, fine things small, big things exclusions , this time even if a third party losses caused by traffic accidents, but also at your own expense, insurance, bought white: (
Case solution: schedule the annual inspection, even a day, nor night;
If untoward, remember do not report to the police as soon as possible to spend money and then filled the inspection procedures for reporting claims procedures!
sorry, just a burst of dizziness, I did not say? said is nonsense

★ Insurance Case II:
and the same, without making the driver examined the note, and you drive all the problems occur, the insurance company is not responsible for compensation, for reasons similar to the previous example, will not go into details.

★ Insurance Case III:
This is a frequently asked question: I just bought the car, not on the license, the insurance is effective
explained:
dangerous condition of the vehicle, the insurance of vehicles must have two conditions, one must have the insurance of vehicles issued by the administration of public security and traffic driving permit or license plate, the second is for a specified period by the public security inspection of traffic management.
but in general by special provisions of the contract, the insurance must be issued after the inspection of new vehicles number plate could be responsible for Che Sunxian and liability insurance
So, when your car is missing even luck, gradually getting hit pretty people make do with Braving the insurance company to you, it is now clear of it!

★ principle of evidence of insurance claims: (because there are n people ask this question, so answer this to make a)
several hours of insurance claims situation
1, incident to come forward by the traffic team to solve the

penalties issued by the traffic team single or mediation, the court decisions, judgments can be used.
absolute so that these materials, in the insurance company must be green all the way. rest assured that claim good

2, in the district of a major accident
accident: the car damage is serious, or to open to traffic team proved too much trouble

General cut rub: the certificates to the community property, as has often been suspected, the general is also very troublesome
Therefore, the best roads in the city on the Times report, otherwise ----------- kill you!


3, minor accidents on the road, including stopping the cut rub
such need to prove that the principle is: if a third party involving a third party Peifu

, or require proof of traffic team.

accident between the parties, such as a break, you can specify in the claim: accident third-party self-study, self-blame in the press Che Sunxian claim to your insurance company if the traffic team the certificates, you must have to bite the other promoted, says no to child away, and Insurance companies generally will not be too seriously. You have to promise to open the show blame I did not remind you that you ran away, uncertain enough money to pay the oil money to do!

4, the back of people hit by another car if
after causing car to escape, unable to find
situation is more serious trouble, resolved through traffic team, you can subrogation by insurance companies.

not serious, the best is to solve the problem of claims to self-blame, and claims to be in the sticky note whether the other car body paint, and the direction of collision, must justify itself, or you miserable!

Last remind you: the reporting of cases must be reported within 48 hours, or they may directly be exclusions!! Remember, remember, not 48 of the ah have to say that in 48!