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friends must have a car to buy car insurance. But now the insurance company's auto insurance provisions, but it is full of traps!
Insurance Company today issued a document to expose the traps and the provisions of the doubt, after seeing if there are gains, the top one please help me!
including N number of dangerous condition cases, they have real significance, we want to help.
most clear explanation, the only ordinary people can understand the insurance provisions.
(a) of the car damage,
christian louboutin bianca, third party
(b) 丢车
(c) collision
(d) claims
★ ★ Case 2: If your brakes in a car, the car's windshield, causing stuff flew to break the glass. You say?
your honest insurance company, said: . . . . . . . . . . Members of the claims will be pointed to his mouth: 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 1: Daoqiang Xian stipulates that the insured loss of driving license, car original invoice, certificate of surcharge increase of 0.5% each of the absolute deductible. Lost car keys, the absolute increase of 5% deductible. These provisions in the insurance policy using the lightest color print, do not believe that you can take a closer look at list, certainly in some inconspicuous corner can be found in this passage.
So whether you have a spare key had been lost, or you are to start running in the car with a key, please remember to forget it, otherwise. . . . . . Loss of 5% of your own resistance to set the
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16, from the front facing the outside inward, and now the trunk against the wall, can have more than after, the thieves had not visited the trunk. -
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25,
cheap nike running shoes, discerning which used to be the envy of hernia lights, driving at night always like driving a far light, regardless of whether the other side blink of an eye, and now know, what if the other party can not see the edge but also at risk themselves. So every time the car will become the first beam. -
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skills - so that each riders can learn
★ principle of insurance claims because the evidence has N people asked this question, so here to do a few hours to answer
insurance claim case
1, incident to come forward by the traffic team to solve the
punishment issued by the traffic team single or mediation, the court decisions, judgments can be used.
so that the material is absolutely, definitely the way the insurance company the green light. Well, rest assured that the claim
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, because often 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 incidents occurring up to the altar in the DX)
such need to prove 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 and self-blame by Che Sunxian the claim if the insurance company to transport teams to open your certificate, you must have to bite the Do not let go, say no to child away, and Insurance companies generally will not be too seriously. You must 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
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★ Case 3: If you in the trailer collided with another car when the
our approach: ignore the fact that there is something dangerous condition
statement: Do not mention you or by others in the towing vehicle towing , or whether you have responsibility for the accident, the insurance companies will not pay
3, driving a year, I feel their driving skills are amazing, what car super Dugan, what car do not make, the road is my home; three years, almost every day, long distances to see more accidents, What coincidence that can happen, the speed has slowed down a lot; now know that the area of the city buses and taxis is God, God is high on the truck, where had to make with them. -
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2, is one month before the test driving, say five file no use (open unpleasant), take the five months that a file of no use (self-feeling good with the second gear start technology), now I feel a file to Five files are very useful. -
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21, 10 liters of fuel used to think that only two dollars more than nine liters (five years); now know that ten thousand kilometers can save four or five hundred dollars a year can save a maintenance fee. -
vehicle insurance claims Chuxian
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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)
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So 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 sentenced you to compensation 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 ', 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!
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dangerous condition of the vehicle insurance claim absolute skills
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! 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.
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4, the back of people hit by another car if
after causing car to escape, unable to find
situation is more serious trouble, through the traffic team to resolve, by the insurance company on behalf of recovery.
not serious, it is best to resolve the claim to self-blame, and claim to be in a sticky note if the other car body paint, and the direction of collision, must justify itself, or you miserable!
remind you the last DX: When a report must be reported within 48 hours, or they may directly be exclusions! ! Remember, remember, do not have to say within 48 to 48 ah!
12, used to always want to beat each other accident meal; now want someone to catch the end of compounding calculations, Chi Diankui better than to run every day brigade and insurance companies to the benefits. -
19, former master mechanic to listen to; now call me master: Master, you do not change for this thing? -
Case 5: If your car crash, broke a little light, you how to do it?
to find an insurance company, he definitely did not dare not pay you,
tory burch bags spring 2011, then you earn? ? No, you are probably sacrificing the
not understand? ? Tell you about all risks of each vehicle between the 2500-5000 (too good a car, you are considered on their own, my math is not good), if you are not in the one-year period of insurance claims, you will be in the next obtained in 10% of the time insurance no claim bonus, this account You do the math, if the number of claims is too small, hey, so forget it. . . . . . . .
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20, past maintenance, the oil that often for the same good or bad; now know, for a good oil fuel save time and save money, and accessories must be the original manufacturer or brand. -
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5, just getting into the car to find a bike, MOTO cars and pedestrians really upsetting; now often bike ride, walk the streets, that car is the most unreasonable thing. -
insurance policy refinement solution (a) - vehicle damage, third party
Che Sunxian we first talk about the most important 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 losses in 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, except as -------- earthquake!
6, used to think that something have to slam the brakes, tires screaming that non-compliance with rules designed to warn the people; now know that make we must show, which stopped cars which do not want to stop, the back of the car You can not stop he can stop living. -
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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 yourself:
So, if you do not have the economic capacity of the hero before the Oh, to think about! !
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15, used to think that where the same car; now stopping to look at the edge of what car, what car is behind, can keep a safe distance with them, security room and the camera can not see the car ... ... Anyway, with a lot of thought. -
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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 state compensation
dangerous condition: the wall is probably caused by the earthquake loosening, and finally fell in one day (not to mention the earthquake happen in real)
★ Case 4: If you are in an accident, broke his own on the glass, the glass and no insurance, you will be the insurance company claims?
to find someone not on the glass insurance claims work? ? Line, the absolute line!
risk is the full name of glass: glass breakage alone, is the use of stop and damage caused by the glass, and glass damage caused by the accident should be responsible for Pei Fu Che Sunxian
insurance if you are not on the glass, when You find yourself up in the morning the car glass do not know which bastard was broken,
第一篇日记, and how to do it? ?
Oh, the old tactics caused --------- brakes while driving, but also the fault of the head! (Remember to find a height of about the same friends as a shield ah), if it is on the side of the glass is broken, hit his head when he said a good spin, and Oh
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dangerous condition of an insurance claim vehicle skills - absolutely useful posts, you have to treasure! ! ! (Want to make every riders can see)
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Case 3: If you, your friends car park is open, or you find out from the side to the parking lot can not afford to Peifu your car, you can consider a change 丢车 site? Haha, I did not say ah
Case 4: Again, if you are a boss,
supra vaider tuf, because some of the problems on the account book and friends fall out, and your friend is a villain, he secretly to steal 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,
未来, you Within about six months out of the car had hit!
insurance policy refinement solution (d) - Insurance claims
★ case a must-read, because you've probably never heard of. )
Tan DX, one friend lost a well-known car, has been full insurance, my insurance company claims, failed, insurance company exclusions reasons: to check Vehicle Administration, this car is not the annual inspection.
Case Study: Insurance Company behavior while, 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 no matter how good your maintenance useless, 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, penalty is a small matter, exclusions big thing, this time even if a third party losses caused by traffic accidents, but also at your own expense, insurance, bought the white case
solution: time inspection, even a day,
brown jordan sale, and do not late;
If it happens, unfortunately, have to remember that 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
9, used to think that in the stream of people walk through, is the symbol of driving skills; now know that human value is not measured by money. -
obtained after two decades of driving the real lesson of 26! driving the people must see! -
17, wore once before the car parking; now have to park the car back more than a half a meter down, even stop a roof and then back up, I could go out. -
22, used to think that the more insurance premiums to cover all the better; now only buy three select and car damage, coupled with careless driving, but the three responsible for buying high, since at least two hundred thousand. -
7, when used to give into road, but also pressing forward one; now entered into as long as there is, let a, wondering mind that this person is not anxious to go to the hospital. -
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,
louis vuitton shoulder bag November 25 , eternal blue, clean world , quiet, beau, 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 does
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14, used to think other people want education to drive each other about chaos; now feel that they can not like him, education is the most workable. -
★ ★ ★ insurance policy refinement solution (b) - 丢车
I would like this document to Diuguo cars and may 丢车 friend!
vehicle parking and use of the process will inevitably make people worry about things, which is the most unfortunate thing 丢车, but, if you do as I say, your loss will be reduced to a minimum .
remember, ah, once 丢车, the first thing to do What?
police?
wrong! Car has been lost, which so easy to immediately find ah, you too bit overestimating the ability of the Chinese JC, and still think about how to reduce the loss of it!
reduce losses? Which so easy ah, the car is lost, how to cut ah?
first remember my first look, there is no insurance on the vehicle Daoqiang Xian.
What, no? That you think it bad luck, if you buy a bar on the Daoqiang Xian
, first of all, I want to congratulate you, your losses can be minimized, but, be careful ah! Then you have to do is Bijin your mouth, the sense of reading my post, otherwise you will regret it!
13, who once scolded by a bored, we must fight to the bitter; now only reach a finger up to tell him the direction of heaven. -
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23, used to think that reversing radar installed, when you can not worry about parking, parking sensor now know there are blind spots, and the car behind obstructions can occur at any time, or believe my eyes the best insurance. -
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8, used to think that the line in the traffic stream channeling, can grab a lot of time; now found a good way as long as the election is not open F1 than those who slow to go. -
10, formerly Highway 140 while driving that much faster than 100 km; now know that when they arrive to open 160 more than just slower then half an hour, but not to the edge of a farm to find that toilet. -
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4, after the familiar opening, a yellow light that is used to grab; then I thought the yellow light is used to stop; now have the green light to be with the foot brake, so for those who grab a yellow and red light running. -
11, used to think that an occasional violation has nothing to do; now know the relationship between chance and necessity only because the number of different factors is not much good or bad luck. -
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★ what procedures you are still missing, his weigh weigh, the office to running a bar
★ 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 when the vehicle insurance vehicle must have two conditions, one must have the insurance of vehicles issued by the traffic administration department driving permit or license plate, the second is for a specified period by the public security traffic control department inspection.
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, hit the man Han The insurance companies still make do with you wore, it is now clear of it!
1, just got the time, what wants to open to open, even the tractor did not let go; can not open it is not open, find the best car or open their own. -
26, previously off-street parking when you open the door on the next rush, rush now and then have to look at rear-view mirror to see if there are not kept up to the back of the bicycle and motorcycle, the door people will not touch the light.. -
24, fuel is always used to go to a lot of money to say: Now know to fill a holding tank of fuel in the urban areas is almost equal to pulling a person, learn to add only a half tank of fuel. -
Case 2: If your car pay parking lots or commercial repair shop in the stolen, the insurance company liable for it?
answer is: do not lose! ! Because these places the responsibility on the vehicle is kept in custody during the car damage caused by improper care custodian, lost, and the deposi
tory should be held accountable. Insurance company is not responsible for compensation.
Therefore, the correct way is to look for parking lot claims, so every time I remember stopping parking receipt ah well received, although the loss of the above printed matter, but according to contract law provisions of the contract on the format, which is a single shirk his responsible side! You may rest assured that he told a good bold, Oh, give you a good news has already been won this case, the abduction of the case to push the principle of the case after the case to trial in accordance with this decision, ha ha!
★ 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 repeat them.
18, parking is always used to make mirrors to close up; now can not accept not receive, because it can help others stay away from your car, even if the bad also compared the paint to the benefits. -
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Reversing three measures into place to teach you the enduring his secrets
This allows you to line three measures all over the world
Since then no longer adversaries
It is how narrow any gap
You can also enter a drill while!
not allowed to be lazy, we should seriously study ah!
tory Reversing the enduring three measures into pl
Linear Mode
