I believe there are still many car owners who don't know much about auto insurance. Only when there is an accident will they deal with auto insurance. As an amateur, car owners simply can't understand how deep the water in auto insurance is. How to deal with it to become the biggest beneficiary? Don't worry, many experienced car owners have summed up the experience for us. We just need to read the collection in an emergency. Moreover, this is a car insurance clause that ordinary car owners can understand, which will definitely give you a deeper understanding of car insurance and claims, and "squeeze the last drop of blood" from the insurance company! Who says not? Buy insurance to save money and worry!
Detailed explanation of insurance clauses (1) Car damage insurance VS third party liability insurance
Let's talk about the main insurance, car damage insurance and three liability insurance first. Car damage insurance and three liability insurance are the basic types of vehicle insurance, which mainly compensate the loss of the insured vehicle and the loss caused by the insured vehicle to the third party in use!
You probably think that even if the vehicle is damaged by natural disasters, the insurance company will pay for it! This is half right. Most of the losses caused by natural disasters are compensated, except for one thing-earthquake!
Case 1: If your car is lucky enough to be hit by a building in the earthquake, haha. ...
Solution: don't apply for compensation as soon as the earthquake is over, and then apply for compensation a few days after the earthquake.
Danger statement: Probably because the earthquake caused the wall to loosen, it finally fell down one day and smashed your car. Remember: never mention danger in an earthquake.
Case 2: What should you say if your car suddenly braked and the contents of the car flew to the windshield and the glass broke?
If you honestly say to the insurance company, "My tissue box flew and hit the glass ..." (Wow! My internal skill is high enough, hehe, I'm just joking with the tissue box as an example. ) "Then you will be miserable! The regulator will point to his mouth and say to you, "Please look at my mouth-no! "
How to deal with it: change the facts slightly. ...
Danger statement: A friend of mine who practiced Tiequan broke the windshield while braking, OK! Remember: the insurance company will not pay for the loss caused by the impact of "goods" in the car! But what people hit is another matter.
Case 3: Your car collided with another car while towing. What should you do?
Solution: Ignore some facts. ...
Danger statement: don't mention that you are towing a vehicle or being towed by others, otherwise the insurance company will not compensate you whether you are responsible for the accident or not.
Case 4: If you broke the glass in the accident and didn't take out the glass insurance, would you claim compensation from the insurance company?
Can I claim without glass insurance? Yes, absolutely! The full name of glass insurance is: glass breakage insurance refers to glass damage caused by parking and use, and glass damage caused by accidents should be paid by car damage insurance.
If there is no glass insurance, what should I do when I wake up in the morning and find that my car glass was broken by some bastard? Ha ha, old trick: it's your head's fault that you suddenly braked while driving! (Remember to find a friend of similar height as a shield), if the glass on the side is broken, it is said that you have slipped and hit your head, hehe!
Case 5: What should you do if your car crashes and breaks a small light?
Looking for an insurance company, he will never dare to compensate you. Do you think it's a profit? No, in fact, you will probably lose money.
Don't you understand? I tell you, the total insurance for each car is about 2500-5000 (high-end cars will be more expensive). No claims will be paid during the one-year insurance period, and you will get 10% no claims when you apply for insurance next year. You can work out the account yourself. If the claim amount is too small, well, forget it. Why not 10%?
Detailed explanation of insurance clauses (2) Lost car-how to minimize the loss?
People will inevitably encounter trouble when parking and using vehicles. Among them, losing a vehicle is the worst thing. However, if you do as I say, your loss will be at its lowest point.
Remember, once you lose your car, what's the first thing to do? Call the police? No! The car has been lost, and it is not easy to find it at once. You overestimate the ability of China police, so think about how to reduce losses!
Reduce losses? It's not that easy. I lost my car. How can I reduce it? Don't forget, I am here! ! ! !
First of all, remember to check whether there is any car theft on your insurance policy. What? No? Then you are out of luck. It's no use looking for me Buy another one!
If you are involved in burglary, first of all, I want to congratulate you. Your loss can be minimized, but be careful! What you have to do now is to shut up and read my post in a down-to-earth manner, otherwise you will regret it!
Case 1: It was agreed in the burglary rescue that the insured lost his driving license, the original invoice for car purchase and the certificate of vehicle purchase surcharge increased by 0.5%, which was absolutely free of compensation. The lost car keys will be compensated by 5%. These regulations are printed in the lightest font on the insurance policy. If you don't believe me, you can take out the list and take a closer look. I believe you can find this passage in an inconspicuous corner.
So whether you have lost the spare key or have a key in the car you drive, please remember to forget it, otherwise … 5% of the loss will be borne by yourself!
Case 2: If your car is stolen in a toll parking lot or a repair shop, will the insurance company be responsible for the compensation?
The answer is: no compensation! ! Because the above-mentioned places are responsible for the custody of vehicles, during the custody period, if the vehicles are damaged or lost due to improper custody by the custodian, the custodian shall bear the responsibility. The insurance company is not responsible for compensation.
So the right thing to do is to claim for compensation in the parking lot. So remember to receive a parking fee receipt every time you stop. Although the loss is printed on it, according to the standard contract in China's contract law, this is a unilateral shirking of your responsibility! Don't hesitate to sue him boldly, hehe, I have good news for you. Someone has won such a lawsuit, so according to the principle of retrospective case, future cases can be judged according to this case, haha!
Case 3: If the parking lot belongs to your friend, or you know from the side that the parking lot can't pay for your car at all, can you consider changing the location where you lost your car? Haha, I didn't say anything! Think for yourself.
Case 4: Furthermore, if you are the boss and have a falling out with your friend because of some accounting problems, and your friend is a villain, he steals your car secretly. You guessed it would be him, would you ask the insurance company for compensation?
Tell you, the insurance company is not responsible for compensation. Because this clause stipulates that the insured shall be exempted from liability if his vehicle is robbed or stolen due to a civil or economic dispute with others.
Therefore, you can forget your economic dispute and report it directly to the public security expert bureau and the court. Remember, don't tell your suspect, or you will get involved in economic problems. With the efficiency of China court, I will take a taxi out in about half a year!
Case 5: If you just bought a new car and are fully insured, but you don't get the license in time (current traffic control regulations: you can get the license within 15 working days after the car inspection), will the insurance company be responsible for compensation after the accident?
Not responsible for compensation. Because when out of danger, the insurance vehicle must meet two conditions. First, the insurance vehicle must have a driving license or license plate issued by the traffic management department of the public security expert. Second, it has passed the inspection of the traffic management department of the public security expert within the prescribed time limit. However, it is generally believed that the public safety expert department can be responsible for car damage insurance and three liability insurance for new vehicles that need to be insured before issuing license plates. Therefore, the theft and rescue that is responsible for the loss of the car has not taken effect, and naturally it will not be compensated to you.
It seems that if you don't have enough courage to change the lost time, the newly bought car will be given away! I didn't say anything!
Case 6: If your car is recovered, how will the insurance company handle the compensation?
After the stolen insurance vehicle is recovered, if the insurance company has not paid for it, it should be returned to you. However, during the period when the whole vehicle is stolen, the insurance company is responsible for the reasonable expenses of repairing the damaged vehicle or missing parts on the vehicle. If the insurance company has paid, it should return the vehicle to you and recover the corresponding compensation. If you don't want to get the original car back, the ownership of the car will go to the insurance company.
Detailed explanation of insurance clauses (3) Crash.
As long as it is a crash, will the insurance company pay for it in full? Of course not. You just need to take a closer look at the exemption clause of the policy compensation in your hand. There are many things that insurance companies will not compensate. If you want to minimize the loss, come to me, haha!
Case 1: Suppose you are a novice. You just borrowed a car (or maybe a rented car) and ran into your brother while practicing on the road. You know this car has three liability insurances. Will you claim compensation from the insurance company?
Answer: If you go, you will be insane, and the insurance company will kick you out. Why?
First of all, you need to know what three liability insurance is, full name: third party liability insurance.
Then what is a third party?
The third person refers to the victim who suffers personal or property damage under the insured vehicle due to the accident of the insured vehicle except the insurer and the insured. Generally speaking, the third party excludes four kinds of people: the insurer, the insured, the driver at the time of the accident and his family members, and the family members of the insured.
Now I understand that as a driver at that time, your injury insurance company will not pay for it. You know what to do! What? Don't know yet? I am so angry. If I get hit by another driver, it's over. Really, I said everything.
Case 2: If you were lucky enough to hit someone with your car, it was all your fault, and the court awarded you compensation for economic loss, mental damage and disability loss ... What should you do? What else can you do? Just pay the money!
No! All wet!
You should discuss with the other family, increase the compensation for economic losses and disability losses, and minimize the mental compensation. It would be better if there were no courses.
Why? You ask me why? I thought five horses for six sheep.
Dude, you're wrong again. Insurance companies do not unconditionally bear the "amount of compensation that the insured should pay according to law", but compensate according to the Measures for Handling Road Traffic Accidents and the insurance contract. This clause clearly stipulates that any compensation for mental damage caused by an insured accident is exempt from liability. Therefore, regardless of whether the court decides that the insured should compensate for mental losses, the insurance company will not be liable for compensation.
I understand that other insurance companies will pay for you, regardless of mental loss, so I would rather give each other more money than promise mental compensation. In short, be generous to the insurance company, hehe!
Case 3: If you are lucky enough to crash again, it is not your responsibility this time. If the other party does not want to lose money, can you claim compensation from the insurance company?
Answer: Yes, but you have to claim from a third party before you can get compensation from the insurance company. If you give up the right to claim from a third party and claim directly from the insurance company, the insurance company will not compensate. Because you give up the right to claim compensation from a third party, you also give up the right to claim compensation from the insurance company.
Therefore, remember, remember, you must first seek compensation from the other party, and it is best to have proof of the failure of court enforcement, and then you can confidently find an insurance company. Let them clean up the rest of the mess, who let them charge you so much insurance every year!
Case 4: I remember an unlucky driver, under the command of pol.ice, helped pol.ice intercept a fugitive and ran into the criminal. As a result, two cars collided This is a tragedy. Will the insurance company compensate him?
Of course not. The insurance clause clearly stipulates that the driver's "intentional behavior" is not included in the compensation, so he should repair the car himself:
So, if you don't have enough financial ability, think before you become a hero! ! !
Insurance Clause (4) Claim-You must read it because you may not have heard of it before.
★ Insurance Case 1: A friend lost his car, all risks. He went to the insurance company to claim compensation, but failed. The reason why the insurance company refused to pay compensation: he went to the vehicle management office to inquire, and the car did not have an annual inspection.
Case analysis: What the insurance company has done is very reasonable, and it is also based on the provisions of the insurance contract: insurance only takes effect for qualified vehicles, and vehicles that have not been inspected annually can only be regarded as unqualified vehicles. No matter how well you maintain it, it's useless. The result can only be a waste of money, and the insurance will be wasted, and the cash value of the insurance will be returned at most.
Case conclusion: Your car must be inspected on time and must not be delayed. Otherwise, the fine is small and the visa refusal is large. At this time, even if the traffic accident causes a third party loss, you will bear it yourself, and the insurance will be bought for nothing!
Case solution: annual inspection on time, even for one day, not late; If misfortune really happens, remember not to report it immediately, and spend money to complete the car inspection procedure as soon as possible before going through the claim reporting procedure!
Sorry, I just fainted. Did I say something? What I said is nonsense, too.
★ Insurance Case 2: Similar to the above, please pay attention to what the driver did not do in the annual review. The insurance company is not responsible for compensating you for all the problems that occur during driving. The reason is similar to the above example, so I won't go into details.
★ Insurance Case 3: This is a frequently asked question: the car you just bought has not been licensed yet. Is the insurance in effect?
Note: When the vehicle is in danger, the insured vehicle must meet two conditions. One is that the insured vehicle must have a driving license or number plate issued by the traffic management department of public security experts, and the other is that it has passed the inspection of the traffic management department of public security experts within the prescribed time limit.
However, it is generally believed that new cars that need to be insured before inspection and license issuance can be responsible for car damage insurance and three liability insurance. So, at this time, your car is lost, which is unlucky. It is ok to have the insurance company to support you. It's clear now!
★ Principles of insurance claim proof materials: (Because this question has been asked by N people, I will answer it here together)
Several situations of insurance claim
1, the accident was solved by the traffic team:
The traffic team should issue a penalty sheet or a mediation book. If it is a court decision, the judgment can be used. These materials are absolutely good, and the insurance company will definitely give the green light. Don't worry, claim.
2. If there is an accident in the community:
Major accident: even if the car is seriously damaged, it is very troublesome to go to the traffic team to get the license;
Generally, it is more troublesome to open a certificate in a residential property because it is often suspected;
So, you'd better report to the Times in the market, otherwise ... I'm exhausted!
3. Minor accidents on the road, including rubbing when parking.
The principle to be proved is: Does it involve a third party? If it involves third-party compensation, it still needs the certificate of the traffic team.
If the two parties to the accident end up by themselves, it can be indicated in the claim that the third party will repair the accident by itself, and then the claim can be made according to the self-pity in the car damage insurance. If the insurance company asks you to open a certificate in the traffic team, you must bite and say that there is no place to open it. Insurance companies generally don't take it too seriously. If you promise to open the certificate, don't blame me for not reminding you, run quickly, and the money you pay can be worth the gas!
4, the most back person:
If it is hit by another car, the accident car escapes and can't be found. If the situation is serious, it will be more troublesome, which will be solved by the traffic team and the insurance company can recover the money on its behalf.
If it's not serious, you'd better blame yourself for settling the claim, pay attention to whether the paint of the other car is stuck on the car body, and the direction of the collision must be justified, otherwise it will be miserable!
Finally, I would like to remind you that you must report the case within 48 hours, otherwise you may directly refuse to pay compensation! ! Remember, remember, if it's not within 48, say 48!
Conclusion: In fact, none of us want to find an insurance company all our lives, but it is difficult for us to do many things. If one day we win the lottery, we should follow the above methods and try our best to minimize our losses. I hope this article will help riders and make them safe forever.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.