1, the other party is fully responsible for the private 1500, you do not want to do, asked to go to the insurance, but also noisy and noisy and tossing, fixed loss of 2200, the repair shop requires 2400, out of pocket 200.
If you agree to the private, take 1500, report to the insurance company is fully responsible for their own car is fixed as usual, not shelling out 1500, the second year of the premium increased by 800, earning 700.
2. hit and injured a person, sent to the hospital, was scolded by the family, advance medical expenses 8000. home to wash the face of the blood marks, turn back to the family asked to add 10000 private, or not to give you a medical invoice, the insurance company said that there is no invoice does not give you reimbursement, Oh or. Tragedy! In fact, you can not go to the hospital, the scene waiting for the traffic police to issue opinions. Advance medical expenses, said the loss of speculation, and now also owed a foreign debt, and so the family sued you, sued the insurance company, all happy, you do not even have to show up.
3. Crash, the back of a row of cars wildly honking, the other side said that he himself is fully responsible for, requiring us to retreat to the side of the road to deal with, so parked on the side of the road, the results of the other side of the face immediately, said that you are responsible for the full responsibility of the time to remember that should be the first cell phone photo.
4. Husband commanded the reverse, their own excitement, the gas pedal as the brake, the husband legs broken, call the insurance company honestly reported, the insurance company told you that the husband (family members) do not compensate ...... In fact, you can change a friend's car hit, you know.
5. car in the 4s maintenance, maintenance is complete, happy to go to pick up the car, oh or, reversing when the throttle and when the brake (why is it again =. =The first thing you need to do is to get the car back on the road.) The car was crashed, causing a loss of 4000+, you are depressed to find the insurance company, people politely told you, in the repair shop accident, we do not pay ...... In fact, you can change the place where the accident occurred, such as a small area and a small tree in close contact, you know.
6. Heavy rain, the morning to go happy to go to the garage to get the car, found the garage was flooded, suddenly tears, quickly get on the car to start, so that their car car to escape from the sea of bitterness, a little bit of fire, oh or, the engine does not ignite. The car did not escape the sea of bitterness,
You also into the sea of bitterness, 4s store told the engine into the water, reimbursement, the loss of 5w, you are excited to go to find the insurance company, the other compassionate look at you, Miss, the driver forced to ignition caused by the engine into the water, we do not accompany. --You do not ignite, the engine is not going to enter the water Oh pro.
7, in the car put a lot of toys, what the pagoda ah, perfume bottle ah, bear ah pig ah. One day almost hit an old lady, a foot brake, perfume bottle flying up dry to the glass and popped into my forehead. Sew 8 stitches, glass fee lost wages medical expenses mental damage fee *** count 3800, the insurance company operator smiled and told you that the car was damaged by the items are not compensated: if the vehicle was injured by the carriages or roof loaded items, we still do not pay.
8, the weekend weather is good, is happy racing, the left side of a large truck suddenly a plate dumped on your road and you kissed a little, you only a plate hit the flower beds, you have a small liver fluttering fluttering at the interval of 5 minutes to quiet down, a look at the big trucks early shadow, and immediately call the insurer will be the big trucks wildly decided a meal, and said that I want to repair the car, the insurer told you regrettably! Putting the responsible for the at-fault person to let go without compensation: when a collision with another vehicle, the responsibility is on the other side, if you give up the right to recover from the third party, you also give up the right to ask for compensation from the insurance company oh pro. - - In fact, you can say, the sun shook my eyes, let me on the flower bed, what big truck? Did not see ~ did not pay attention to ......
9, the road flat tire, turn left and right to stabilize the direction, do not have to call the insurance company, the other does not pay.
10, parked downstairs, went upstairs to watch an episode of Kang Xilai, downstairs to see, 4 wheels are gone, a few pieces of slate for me to cushion, do not have to call the insurance, others do not pay.
Teach you to drain the insurance company the last drop of blood
Preface: I believe that there are still many car owners do not have a deep understanding of auto insurance, only out of accidents will deal with auto insurance, and as a layman's owners can not even figure out how deep the water of auto insurance, how to deal with it in order to become the maximum beneficiary? Don't worry, there have been many battle-hardened, experienced car owners for us to summarize their insights, we just read the collection in case of emergency on it, and this is an ordinary car owners can read and understand the provisions of the auto insurance, guaranteed to
Let you more in-depth understanding of the auto insurance and claims, "drained"! insurance companies to the last drop of blood! Who says it isn't? You'll be able to save money and worry when you buy insurance!
The first part of this article is about auto insurance vs. third-party liability insurance
Let's start with the most important part, auto insurance and third-party liability insurance. The car damage insurance and third party liability insurance is the basic insurance of vehicle insurance, which mainly compensates for the damage of the insured vehicle and the damage caused by the insured vehicle to the third party in the course of use!
You probably think that insurance companies will cover damage to your vehicle even if it's caused by a natural disaster! That's half right. Most of the damage caused by natural disasters is covered, except for one thing - earthquakes!
Case 1: If you are lucky enough to have your car hit by a building during an earthquake, you will be able to get your car back on the road. ......
Response: Don't rush to apply for compensation as soon as the earthquake is over, but wait for a few days afterward before applying for compensation.
Statement of insurance: probably due to the earthquake caused the wall to loosen, finally fell down one day, smashed your car, remember: never mention the earthquake when the insurance.
Case 2: If your car was braking hard and something flew into the windshield causing the glass to break, what should you say?
If you honestly say to the insurance company: "My tissue box flew up and hit the glass ......" (wow.)! The inner strength is high enough ah, huh, I just take the tissue box as an example of a joke.)" Then you're screwed! That adjuster will point to his mouth and say to you, "Please see my mouth shape - NO!"
Response: a small change in the facts ......
Case 3: What if your car collides with another car while being towed?
Response: Ignore the fact that something exists ......
Statement of insurance: Don't mention that you are towing a vehicle or being towed by someone else, or else the insurance company will not pay regardless of whether you are responsible for the accident.
Case 4: If you are in an accident, break your own glass and not on the glass insurance when you will claim to the insurance company? The first thing you need to do is to get the insurance company to pay you back for the accident. The first thing you need to do is to get a good deal on a new car! The full name of the glass insurance is: glass alone broken insurance, is the parking and use of the glass damage caused by the accident caused by the glass damage should be responsible for the car damage insurance to pay.
If you are not on the glass insurance, when you get up in the morning to find their car glass do not know which asshole broke, how to do it Oh, the old trick method: driving caused by the emergency braking, and is the head of the trouble! (Remember to find a friend of similar height to be a shield ah), if it is the side of the glass broken, said the side slip when the head hit the good, huh!
Case 5: If your car in the crash, broke a small light, you should do?
Looking for the insurance company, he absolutely did not dare not pay you, then you think it is earned? The first thing that you need to do is to get your car back on the road and get it back on the road. I'm not sure if I'm going to be able to do that. Tell you, the full coverage of each car is about 2500-5000 between (more upscale cars will be more expensive), if you do not have a claim in a year's insurance period, then you will be insured in the next year to get a 10% no-claims preferential treatment, the account of your own calculations, if the amount of the claim is too small, hey, just forget it, not as much as 10% discount to the real.
Insurance terms and conditions (2) Loss of car - how to minimize the loss?
Vehicles in the parking and use of the process will inevitably be annoying, among them, the loss of the car is the most unlucky thing, however, if you follow what I said to do, your losses will be minimized.
Remember, what's the first thing to do once you lose your car? The first thing to do is to call the police? The first thing you should do is to call the police! If you've lost your car, it's not easy to find it right away, and you're overestimating the ability of the Chinese police to do that, so think about how to minimize your losses!
Reduce the damage? How can you minimize the loss of your car? Don't forget, I'm here ！！！！
First of all, remember to check your insurance policy to see if you have vehicle theft insurance. The first thing you need to do is to look at your own insurance policy and see if there is any insurance on the market. The first thing you need to do is to check your insurance policy to see if there is any vehicle theft insurance on it!
If you are on the theft insurance, first of all, I would like to congratulate you, your loss can be minimized, but also to be careful ah! What you need to do at this point is to keep your mouth shut and get down to the bottom of my post, or you will definitely regret it!
Case 1: Theft insurance provides that the insured person lost the license, the original invoice for the purchase of the car, the vehicle purchase surcharge voucher for each increase of 0.5% of the absolute deductible. Loss of car keys increases the absolute deductible by 5%. These provisions in the insurance policy in the lightest color font printing, do not believe, you can take out the sheet to take a closer look, certainly in some inconspicuous corner can be found in this paragraph.
So whether you have a spare key ever lost, or a key in the car you were driven away, please remember to forget about this matter, otherwise ......5% of the loss of your own shoulders!
Case 2: If your car is stolen from a paid parking lot or garage, is the insurance company responsible for paying for it?
The answer is: no! Because the above places on the vehicle has the responsibility of custody, in the custody of the period, due to the custodian of the vehicle damage caused by poor custody, loss, the custodian should be responsible. The insurance company is not responsible for compensation.
So the right way is to find the parking lot to claim, so every time you park remember to collect parking receipts ah, although it is printed on the loss of whatever, but according to our contract law on the provisions of the form of contract, which is a unilateral shirking of their own responsibility! You can rest assured that he sued him well, oh, to give you good news, has been won such a lawsuit, so according to the principle of case retrospective, the future trial of the case can be in accordance with this case to the verdict, haha!
Case 3: If the parking lot is owned by a friend of yours, or if you've heard from the side that the parking lot can't afford to pay for your car, would you consider changing the location of the car? Haha, I didn't say anything! You're on your own. Case 4: again, if you are a boss, because of some accounting problems and friends fell out, and your friend is a villain, he secretly stole your car, you guessed it would be him, you will find the insurance company compensation?
I'll tell you, the insurance company is not responsible for compensation.
This is because the terms and conditions: the insured person and others due to civil and economic disputes caused by the vehicle was robbed, stolen for the responsibility of exemption.
So, you can forget about your economic disputes, and go directly to the Public Security Bureau and the court to report the case, remember, do not say who you suspect, otherwise it will bring the economic issues involved in the efficiency of the Chinese courts, you probably have to take a taxi out of the house within six months! Case 5: If you just bought a new car, full insurance, but did not have time to get a license plate (the current traffic regulations: 15 working days after the inspection of the car before the license plate), the insurance company is responsible for compensation after the accident?
Not responsible for compensation. Because in the insurance, the insurance vehicle must have two conditions, one is the insurance vehicle shall have the public security traffic management department issued by the license plate or number plate, the second is in the prescribed period by the public security traffic management department inspection. However, the general public security department by the special agreement on the provisions of the first insurance required after the inspection and issuance of license plates of the new household vehicles can be responsible for car damage insurance and liability insurance. So the theft insurance is not in effect, naturally, you will not be compensated.
It seems that if you do not have the guts to change the time of loss, the new car is given away! I didn't say anything! Case 6: How does the insurance company handle the payment if your car is lost and found?
After the recovery of the stolen insurance vehicle, if the insurance company has not yet been paid, the vehicle should be returned to you, but the vehicle was stolen during the period, the vehicle was damaged or the car parts, accessories lost need to repair the reasonable cost of the insurance company is responsible for compensation. If the insurance company has already paid the claim, it shall return the vehicle to you and recover the corresponding claim amount at the same time. If you do not want to take back the vehicle, all rights and interests of the vehicle belong to the insurance company.
Insurance terms and conditions (3) crash
As long as the car is crashed, the insurance company full compensation? Of course not, you just need to take a look at the hands of the policy indemnity exemptions know, the insurance company has a lot of things do not pay it, want to minimize the loss, or come to me, haha!
Case 1: Suppose you are a novice, just borrowed a car (of course, it is not possible to rent a car), on the road when practicing, your brother hit, you know the car has three liability insurance, you will find the insurance company claim?
Answer: If you go, you're nuts, and the insurance company will kick you out, why
First, you need to know what is the third party liability insurance, full name: third party liability insurance.
What is a third party?
The third party refers to the insurer and the insured in addition to the insured, due to the accident of the insured vehicle caused by the insurance vehicle under the people or property suffered damage in the car under the victim. In layman's terms, the third party is to exclude four kinds of people: the insurer, the insured, the driver and his family members at the time of the accident of the vehicle, and the family members of the insured.
Now that it is clear that the insurance company does not cover you as the driver at the time you hit and injured your family, well, you know what to do! What? I don't know? I'm not sure if you're going to be able to get a good deal on this, but I'm sure you're going to be able to get a good deal on this, and I'm sure you're going to be able to get a good deal on this.
Case 2: If you have the honor of driving a car hit a person, and all your responsibility, the court ruled that you compensate you package compensation for the other side of the economic losses, mental anguish, disability loss costs ...... how do you deal with it how else can it be, to give the money is!
Wrong! The wrong!
You should discuss with the other side of the family, increase the economic loss compensation and disability loss compensation, try to minimize the mental compensation, no of course it is better.
Why? You ask me why? The first thing you need to do is to get your hands on a new car, and you'll be able to get your hands on a new car.
Man, you are wrong again, the insurance company is not unconditionally fully assume the "insured should pay the amount of compensation", but in accordance with the "Road Traffic Accident Handling Measures" and the provisions of the insurance contract to pay compensation. The terms and conditions of the insurance contract clearly stipulate that any moral damages arising from the insurance accident are exempted from liability. Therefore, regardless of whether the court ruled that the insured should compensate for the spiritual loss, the insurance company is not responsible for compensation.
Understanding the other compensation insurance company for you to pay, spiritual loss can not care, so, rather than give each other a little more money, do not agree to spiritual compensation, in short, generous insurance company, huh!
Case 3: If you're lucky enough to be in a car accident again, this time it's not your responsibility, and the other party doesn't want to pay, can you find the insurance company to claim compensation?
Answer: Yes, but you have to claim from a third party before you can get compensation from your insurance company. If you waive your right to claim from the third party and go directly to the insurance company, the insurance company will not pay. This is because by giving up your right to recover from the third party, you are also giving up your right to claim compensation from the insurance company.
So, remember, remember, you must first find the other side of the compensation, it is best to have the court's enforcement of the proof of failure, and then you can justify to the insurance company, the rest of the mess despite let them clean up to go, who let them charge you so much for the insurance premiums every year!
Case 4: I remember when an unlucky driver was directed by a police officer to help him stop a fleeing criminal, and crashed into the criminal, resulting in a two-vehicle collision, which was a tragedy, and the insurance company would pay for it?
Of course not, the insurance terms and conditions written clearly, the driver's "intentional behavior" is not included in the compensation, so you can only repair the car; so, if you do not have enough financial ability, before you become a hero to think about it Oh!
Insurance terms of the essence of (4) claims - not to be missed, because you may not have heard of it before
★ insurance case: a friend lost his car, has been on the full insurance, looking for the insurance company to claim, unsuccessful, the insurance company refused to pay the reason: to the DMV inquires, the car has not been inspected annually.
Case analysis: the insurance company did, very reasonable, the provisions of the insurance contract is also based on: insurance is only effective for qualified vehicles, for the vehicle is not annual inspection can only be regarded as unqualified vehicles, even if you maintain a good and useless, the result can only be lost in vain, the insurance is on the white, at most, the return of the cash value of the insurance.
Case conclusion: your car, must be on time to the annual inspection, can not be postponed, otherwise, the fine is small, the refusal to pay the big thing, this time even if a traffic accident caused by the loss of third party, but also by your own responsibility, the insurance for nothing!
Case solution: annual inspection on time, even if it is a day, do not be late; if it is really unfortunate, but also remember to never report immediately, as soon as possible to spend the silver to the inspection of the car formalities to make up for the report of the claim formalities!
Sorry, just a dizzy spell, I did not say anything, right? I'm sorry, I didn't say anything, did I? It's nonsense to say.
★ Insurance case two: similar to the above, the driver did not do the annual audit, please note that you are driving in all the problems, the insurance company is not responsible for compensation, the reason is similar to the above example, not to repeat.
★ insurance case three: this is a frequently asked questions: my car just bought, not yet on the license plate, insurance is in effect?
But generally agreed by the special provisions of the provisions of the first insurance after the inspection and issuance of the number plate of the new vehicle can be responsible for the car damage insurance and liability insurance, so this time you lose your car even if it is unlucky to hit someone or something is still considered to be a good thing with the insurance company to your top, now it is clear! ★ insurance claim supporting material principle: (because this question has N people asked, so here and answer)
insurance claims in several cases:
1, the accident by the traffic team to solve the problem:
by the traffic team issued a penalty or mediation, by the court judgment, with the judgment can be. These materials are absolutely good, in the insurance company certainly all the way to the green light. The first thing you need to do is to make sure that you have a good claim.
2, in the small area of the accident:
Major accidents: that is, serious damage to the car, or to the traffic team to open the certificate, it is very troublesome;
General cuts and rubs: to the community property to open the certificate, because often subject to suspicion, is generally also very troublesome;
Therefore, it is best to report the Times in the city roads, otherwise ... ...tire you out!
3, on the road in a small accident, including parking cuts
This kind of need to prove the principle is: whether it involves a third party? If it involves a third party to pay, or need to prove the traffic team. If the two sides of the accident to end on their own, you can specify in the claim: the accident third-party repair, and then according to the car damage insurance claim, the insurance company if you let you go to the traffic team to open the certificate, you have to bite the tongue, said there is no place to open to go (can not open), the insurance company will not generally be too serious. You have to promise to go to the proof, don't blame me for not reminding you, you just run to go, the money is not enough to pay for the gas money!
4, the most back:
If you are hit by another car, the hit-and-run car can not be found. The situation is serious is more troublesome, to be resolved through the traffic team, can be recovered on behalf of the insurance company.
Not serious, it is also best to solve the problem of claims with self-responsibility, and to note in the claim whether the body is sticky with the other car paint, as well as the direction of the collision, it must be self-explanatory, or you're miserable!
What should I do if I hit someone with my car? （
1. What to do after hitting someone:
After hitting someone, immediately get out of the car to see how they are doing, and if they have a problem with the car, then they will be able to get out of the car. The first thing you need to do is to get out of the car and look at the injured person's condition, if it's not serious. If it's not serious, you can negotiate for a few hundred dollars. If serious or the other party does not agree to negotiate, immediately call 122 to report to the traffic police. Call the insurance company to report the insurance, immediately send the injured to the hospital. Whether the injured person is responsible or not, under the new traffic law. You are in an unfavorable position, generally full responsibility. Unless you prove that the injured person is responsible, which is usually difficult. So for the sake of the future, to the injured, the attitude should be good, but in the specific compensation, let him be realistic.
2. When you go to the doctor:
Remind the doctor to prescribe medication that is not covered by social security. The insurance company will only pay a portion of the cost if the medication is not covered by social security. The insurance company will only pay for a portion of the medication if it is not covered by social security. In addition, the doctor should write the medical record to indicate what kind of disease (that is, the diagnosis certificate) stamped with the doctor's seal and the diagnosis certificate seal. If you are not hospitalized and have to go home to rest, the doctor should also indicate how many days you have to rest at home due to this illness. (This as the basis for future compensation for lost wages). Secondly. Keep the invoice when you pay the bill. And make sure the hospital provides a list of medications (the insurance company wants to see which medications are not covered by social security). And the hospital must be above the district level. Smaller hospitals are not recognized by the insurance company. Check the hospital's invoice to see if there is a mistake in the name of the injured person. If there is a mistake or the name of the injured person is not typed, the insurance company will not recognize the invoice. Claims will not be honored. Before the case is closed, the injured person will have to pay for the subsequent expenses incurred as a result of the accident. Remind him to keep the invoices, medication list, and try to use social security medication. The medical records should have a doctor's note. In addition, if you are off work, ask the doctor to note it in the medical record.
3. When can I get my car:
The police usually tow the car when they arrive. Towing is for if the other party is seriously injured or hung, then the injured can apply for property preservation of your car, in case you can not afford to compensate for the general minor injuries after towing. If the other party did not sign the certificate of responsibility, you can take the car out first, to pay the car inspection fee, if the other party signed the certificate of responsibility, then you do not have to pay the car inspection fee can take the car out.
The car inspection no problem
then at the latest 15 days you can get the car. If the situation is not serious. You can wait a few days and go to the traffic police with the injured to close the case and get the car. (But usually this process will be delayed for a long time, the injured person also need to observe and so on, so it is recommended that after the towing, immediately to the traffic police to apply for a car inspection. About 300 dollars. (You'll have to pay for this yourself.) Keep the invoice for the towing fee. This can be reimbursed by the insurance company later.
4. the problem of determining responsibility:
If you are found to be fully responsible, then the insurance company will pay all the compensation, (all the compensation refers to the part of the compensable, which is exempted from the provisions of the many. As I said before, it is not social security medication is not fully compensated, there is no tax clearance certificate of lost wages up to 1600 a month compensation, but also deducted during your rest period your company to pay your salary, not hospitalized nutritional and nursing care is not compensated, hospitalized, the insurance company in addition to the lost wages will be compensated for 50 yuan per day of nutritional expenses, outside the off will be a little bit less. The injured person is not hospitalized this nutrition fee is also not. The name of the invoice is wrong, or no name is not compensated.) If you do not find full responsibility, then the traffic insurance can pay up to 8,000 yuan, this is not divided by responsibility, as long as you have the responsibility are fully compensated, but more than 8,000 yuan part of the third-party insurance, third-party insurance is to pay according to the determination of responsibility.
The traffic law provides: If a motor vehicle and non-motorized vehicle accident, the motor vehicle is fully responsible. But there are additional provisions, that is, if there is evidence that the motor vehicle is not responsible for any then the motor vehicle can not bear additional compensation.
But this proof is to be done by the owner of the motor vehicle. It is very difficult to find evidence that you are not responsible.
On the one hand, the opinion that they demand full responsibility. We would like to think that if the motor vehicle is fully responsible, no matter how much you pay. And the insurance company will pay part of it. But if it is not fully responsible, the insurance company can not pay much, then the injured person is certainly not willing to pay for their own medicine. The result will be more trouble. In addition, you want to prove that the motor vehicle hit the pedestrian, the motor vehicle is not responsible, or a few percent of the responsibility. The evidence is difficult to prove.
On the other hand, it is recommended that the traffic police issued by the accident liability compensation, do not think that they have insurance can be compensated for the responsibility of their own body, otherwise the other party in accordance with the accident liability civil lawsuit against you for compensation, more bottomless.
My personal opinion is to agree with the second, according to the traffic police accident liability compensation, if the other party is responsible, they do not take the initiative to ask for full responsibility. Because a small collision injury, may spend less than 8000 dollars, the traffic insurance in the 8000 can be fully compensated, not according to the responsibility to pay.
If the collision is serious, the cost of medication is certainly more than 8000, then go to the third-party insurance company will have to pay according to the liability, but if the injured person proposed a huge amount of compensation, negotiation can not be, and finally sued you. Then you are fully responsible, obviously very unfavorable.
5. Advance medical expenses:
But if you advance medical expenses, the injured do not go to sign to huge compensation, then you can not go to the insurance company to claim the money, the other side of the money, he is not anxious, you can spend; two cases that you are mainly responsible for the other side of the secondary responsibility, but you have advanced the medical expenses, you think the other side will give you back the part of his own responsibility. He should be responsible for that part of the drug costs? So the suggestion is not to advance.
Article 75 of the new traffic law provides: medical institutions of traffic accidents in the injured person should be timely rescue, shall not be delayed due to the rescue costs are not paid in a timely manner and treatment. The vehicle involved in the accident to participate in the motor vehicle third party liability compulsory insurance, the insurance company to pay the rescue costs within the limits of liability; rescue costs more than the limits of liability, do not participate in the motor vehicle third party liability compulsory insurance or hit-and-run, by the Road Traffic Accident Social Aid Fund advance payment of part or all of the rescue costs, the Road Traffic Accident Social Aid Fund management body has the right to the person responsible for the traffic accident The road traffic accident social assistance fund management organization has the right to recover from the person responsible for the traffic accident.
In general, after the collision. The family members of the injured person will usually ask you to go to the hospital with him. If the victim does not have a family member to come. Then you have to take the injured person to the hospital. In this way. You'll have to pay the medical bills first. And the new traffic law is very clear. Compulsory insurance and fund advances are for rescue costs. What if it's not enough? The insurance company won't cover the cost of medicines that aren't covered by the social security system. Then we'll have to pay for it ourselves. What if we can't afford it? It's doubtful. The new traffic law also stipulates that after a car owner has purchased compulsory insurance, the insurance company should use part of the premium as a medical fund after a hit-and-run accident. However, as the law has only been in force for a short time, and compulsory insurance is still new, the implementation of the law is still a bit weak. In some areas, insurance companies and hospitals have not been able to reach an agreement on the amount of money to be paid, so there is a delay in the advance payment of medical expenses as the law enforces. In most cases, the injured person, regardless of whether he/she is justified or not, has to pay for the medical expenses on humanitarian grounds, and then go to the insurance company to make a claim. Not all of the money advanced can be claimed by the insurance company. The owner of the car does not want to pay, but in reality it is very difficult not to pay. Personally, I think we should try not to advance the money, and if we do have to advance the money, we should limit it to a certain amount, and not to advance all of it.
6. The problem of closing the case:
In general, the traffic police will be the final mediation to pay the other party a certain amount of lost wages, transportation costs, nutritional costs, and so on, the two sides of the negotiation. Then under the supervision of the traffic police to write a compensation agreement, affirming that a one-time solution, and not to bother each other in the future. And keep a copy of the agreement with the police for record.
Don't believe anyone who tells you that "the insurance company pays for these items", because some people are trying to get the case closed quickly. The point is that you need to know the whole story, and not to be biased in the matter of the police settlement.
7. The question of compensation:
Lost wages if not according to the payroll of another method of calculation. It is based on the annual national income divided by the average of 365 days.
Hospitalized personal injury compensation issues, I suggest that we do not go to mediation, let the injured person to sue. There are the following benefits: First, reasonable compensation insurance company directly to the injured, without us advancing money. Second, unreasonable, we do not have to pay. Third, the medical costs of non-medical drugs in the deduction is also less. Our loss is the cost of litigation, but tens of thousands of compensation, litigation costs are only three to five hundred, this money we spend.
Encountering the third party situation, very few people can retreat, because it has to take care of the interests of many parties, first of all, the insurance company and the traffic police do not match the views, but also to take care of humanitarianism, so basically the vast majority of owners even if they have to buy the premise of the insurance to pay out of their own pockets a little blood. Just try to minimize the cost.
Supplementary:
1, for the accident responsibility, you only wait until the traffic police to make a certificate of responsibility, but the law provides that motor vehicles and non-motorized vehicles or pedestrians in traffic accidents, regardless of the responsibility of the motor vehicle in the insurance limit (traffic insurance, injuries seem to be 10,000 yuan) to bear the full responsibility for compensation. It means that if all the compensation costs within 10,000 yuan, by you all bear; more than 10,000 yuan, the excess part according to the responsibility to share.
2, this accident, the pedestrian crossing the road without paying attention to observe the oncoming vehicles, with a certain fault, I guess the traffic police will determine the primary and secondary responsibility. You main, pedestrian secondary.
3, for the medical expenses, you do not have to pay, no matter how he said, you do not have to pay attention to him. This is not illegal, in principle, they are advancing medical expenses, such as the traffic police department to make a determination of responsibility and then according to the responsibility of the apportionment. You only need to tell him, "I have no money, to how the medical care as you like, anyway, I have an insurance company, when the insurance company to pay, the accident you are also responsible for, then out of the determination of how much I should be compensated for, a point will not be missing you. The words put hard point, do not need to be afraid of him!
4, the cost of compensation. Compensation, including medical expenses, nursing costs, lost wages, disability compensation for these four items, and some other smaller number of items will not say. The standard of lost wages is: if you can provide proof of three consecutive months of valid wages, then compensation in accordance with the wage standard; if not, then in accordance with the local per capita net income (for rural households) or disposable income of local residents (for urban households) for calculation. The same standard applies to nursing fees. In addition, the disability compensation needs to be qualified authorities (generally within the public security department has this kind of department) to apply for disability appraisal, from serious to minor divided into one to ten, the amount of compensation varies.
Answer: 2011-11-2115:45
Organized: 2012-09-27