A reader asked, his car trunk was stolen, the lock on the door was broken, such a situation can the insurance company compensation? Answer: Henan Guoyin Law Firm Automobile Law Department Li Qungang: According to the provisions of the motor vehicle theft insurance, non-vehicle theft, only the car parts or ancillary equipment was stolen, robbed, robbed, is exempt from liability, the trunk and door locks were broken belong to this case; as for the loss of cell phones or other items in the car, not in the insurance coverage, but also refused to compensate for the loss of the car. This case is a criminal case, should be reported to the public security organs. ② netizen "simple" asked: my car in the morning is always not good to hit, usually have to hit three or four to hit the car, may I ask what is the reason ah? Answer: winter can not hit the car, hit and then stalled the case is very common, especially in the morning. Zhengzhou Weijia franchise store workshop director Wang Wei introduced, resulting in not easy to hit the car or can not hit the car for a number of reasons, one, the oil lubrication effect is poor, resulting in increased resistance, the engine loses more power, coupled with poor volatility of gasoline at low temperatures, resulting in the compression ratio of the mixing of the air and the air is not enough, so there will be a difficult to hit the car situation. Second, the battery power loss, its performance is characterized by the starter motor began to turn but not enough speed that is powerless. In winter, low temperature and individual power equipment forget to turn off will cause the vehicle can not be started, encountered such a situation in time to the service station on the battery to replenish the charge. Third, the ignition system is not in good working condition, especially in cold weather due to low intake temperature, fuel atomization in the cylinder is not good, if coupled with the ignition energy is not enough, it will cause the car can not be hit. Fourth, the throttle due to carbon obstruction, which will cause the air intake is affected, it is not easy to hit the car, encountered this situation when cleaning the engine throttle. ③ readers Mr. Yang consulting, Zhengzhou 2001 minivan, how to apply for scrapping procedures? Answer: Zhengzhou City DMV staff said that the owner needs to have the qualification of the enterprise for vehicle dismantling, and then hold the owner's ID card, license, motor vehicle registration certificate, as well as dismantling the company issued by the proof of formalities, to the DMV for vehicle write-off procedures. At present, Zhengzhou has three companies with qualifications: Central Business Materials Recycling Company Limited, Henan Province, Jin Hui Materials Recycling Company Limited, Henan Zhonglian Renewable Resources Co. Henan Zhonglian Renewable Resources Co., Ltd. responsible person Mr. Lou said that for vehicle scrapping and dismantling, the vehicle is a personal need to hold the owner's ID card, motor vehicle license, motor vehicle registration certificate. Unit vehicles need to hold a copy of the unit code certificate stamped, motor vehicle license, motor vehicle registration certificate, etc., to the end-of-life automobile recycling enterprises to fill out the "motor vehicle registration, transfer, cancellation of the registration transfer application form" and "motor vehicle inspection record sheet," etc., for the The relevant formalities. ④ Reader Mr. Zhao consulting, October 23, his accident vehicles in the insurance company demolition and determination of damage, in the repair of 10 days later, running on the highway found that the engine abnormalities, to the 4S store test found that the last accident vehicle transmission support deformation caused by the failure of the insurance company belongs to the omission of the inspection. When Mr. Zhao to find the insurance company to coordinate this matter, the insurance company said, this does belong to the omission of inspection, but in the demolition of the inspection and determination of the loss of Mr. Zhao has also signed to confirm, and at present for Mr. Zhao's vehicle claims have been completed, the insurance company is no longer responsible for. So, in this case, is not the responsibility of the insurance company? Answer: Henan Guoyin Law Firm Automobile Law Department Li Qungang: the insurance company has the responsibility to repair the damaged vehicle to the safe use of the state, the insurance company's omission of inspection caused by part of the project of the omission of repair, due to the failure caused by the accident, can not be signed by the customer and claims have been completed on the grounds of shirking their responsibilities, otherwise it is a violation of the contract of insurance, the customer can be negotiated with the insurance company accordingly, or to file a lawsuit. The customer can negotiate with the insurance company or file a lawsuit accordingly. ⑤ Netizen "small shrimp" asked: my car in the parking lot, I do not know whose car was rubbed, not only rubbed exposed the primer, and paint rubbing part of the other side of the black paint, how to wipe can not be wiped off. Can this claim to the insurance company or parking lot, the black paint how to clean off? Answer: Li Qungang lawyer said, this situation, if the body scuff belongs to the surface scratches, you need to vote for the "body scratches insurance" can be compensated to the insurance company; if there are traces of the collision, according to the vehicle damage insurance claims (belonging to the accident can not be found in third-party cases, there will be a certain deductible) to the insurance company claims; In addition, if the parking lot charges, can be understood as the owner of the car with the parking lot between the fact that there is a custodial relationship, then the parking lot is also liable for compensation; if the parking lot is free parking, only if the parking lot has intentionality and gross negligence is liable. For "small shrimp" mentioned how to clean up the "black paint" problem, Wang Wei said, the most simple and convenient way is to polish and wax this piece of paint. At the same time, it is recommended that you do not use gasoline to wipe, because gasoline has a role in softening the paint, in the damaged parts of the paint with gasoline to wipe, may also cause their cars to be wiped off the paint.
Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"