Our car insurance to a certain period of time is required to renew the car insurance renewal is also a very critical thing, we not only need to find the right insurance company, but also to choose the right type of insurance, so that we can spend less money, do not spend money in vain. The right, cost-effective auto insurance is not easy to find, here to understand the considerations of car insurance renewal.
First, there are many insurance companies, and the competition is fierce, while there are also many profit-oriented car insurance agency channels. When we renew our car insurance, we must choose a regular insurance company, so that we can avoid the intermediary's misleading, after the vehicle out of the line can also be very good claims, but also more assured security.
Second, if the car insurance renewal choose the intermediary company to buy car insurance notes, car insurance how much a year, that intermediary is likely to conceal the vehicle out of some of the circumstances of the insurance, so that the owner is vulnerable to harm. When choosing the type of insurance, we must take into account the age of their car, new car owners are almost always cast full insurance, but the age of the car is a very important factor.
Third, because the new owner of the damage rate is higher, so the purchase of insurance must be more comprehensive, the main insurance and additional insurance is to have. But if the car is older, we mainly tend to third-party liability insurance and vehicle personnel insurance, other types of insurance can be considered, but still depends on the individual situation to decide.
Fourth, if the vehicle is more often than not, it is likely to increase the premium when renewing. Car insurance renewal will often have two cases, one is the renewal of compulsory insurance, we have to know that each insurance company's compulsory insurance is available for information **** enjoy, so the situation of premiums can not be avoided. There is also the commercial insurance renewal, this may not go up.
Fifth, we need to know in the car insurance renewal, if you do not renew in time but off the insurance, it will increase the premium. There are many car owners are not timely renewal of the situation, so that the car is in the state of naked. In such a case, the cost is going to go up a bit when it comes time to renew the policy. If you choose to renew early, then you can enjoy a discount.
What problems should be noted in the renewal of auto insurancePurchase of car insurance method:
First, with ID card, driver's license, vehicle certificate and invoice to the insurance company to buy;
Second, the phone to buy:
1, dialing the insurance company telephone;
2, and customer service to buy commercial insurance insurance;
3, to confirm that the insured If the customer service will let a person the next day to send the quotation to the designated location, to confirm the quotation is correct, then sign and pay, and then a day after the policy will be in my hands.
Third, the online insurance process:
1, enter the vehicle driving city, the basic information of the vehicle, personal information can be quoted;
2, the official will be based on the vehicle, the use of scientific algorithms for you to recommend the best insurance program, accurate quote. You can also customize your insurance plan according to your own needs;
3. The payment environment is strictly encrypted, supporting 10 payment methods and more than 100 banks, basically, you can pay if you have a card.
Renewal notes:
1, pay attention to choose a good time to renew:
Car insurance renewal can not be too early or too late, the owner of the best choice of the previous year's insurance expiration of the first two days or so renewed, because the car insurance is generally renewed from the date of the date of the 24 hours after the effective date, which can be effectively avoided to avoid insurance de-insurance, the time is just right.
2, car insurance, pay attention to add and delete car insurance insurance:
The owner of the car insurance renewal, should also pay attention to add and delete some car insurance insurance, because the last year of car insurance insurance may not be suitable for the owner, it may be the last year of the owner of the car insurance, but after an accident, not in the car insurance coverage, or some of the car insurance is not used in the usual car! The first thing that you need to do is to get your car insured, and then you can get your car insured.
Insurance underwriting should pay attention to what problemsNo matter what kind of insurance underwriting, first of all, we should be clear about the company's business philosophy, and then determine the risk of business underwriting, the general principle is this, but the implementation of specific types of insurance and business, to be specifically analyzed! Just for reference!
What should I pay attention to when renewing my car insurance?
Hello, car insurance renewal is a headache for many car owners, the reason for this is that the new car is basically full coverage in the first year, but the first year and have not been insured, the second year of car insurance hope to get some discounts under the premise of getting the appropriate protection. The following are some of the issues you should be aware of when renewing your car insurance policy. Car Insurance Renewal According to the actual situation choose to insure the program After all, there is a year of driving experience, and have a better understanding of their own cars, renewal of some unnecessary insurance can be abandoned. Car insurance renewal to fully enjoy the preferential terms According to the regulations, as long as the owner of the car in a year without any violation of the record, the insurance situation and claims matters, car insurance renewal, the owner will get 10-20% of the mandatory compulsory insurance premiums down, but also by the insurance company is listed as a high-quality customers to enjoy the commercial insurance discounts. In addition, be good at comparing the prices of different car insurance sales channels. Generally speaking, 4S stores and insurance intermediary channels to extract part of the intermediary costs, premium charges higher; and insurance companies direct auto insurance channels because of the elimination of intermediary costs, can give the owner a greater concessionary space, is the price-effect ratio is higher choice. The above is a little bit of advice on car insurance renewal. We recommend that you go to Huizai.com, which has a wide range of products, comprehensive protection, such as the following products to choose from: Huatai car insurance insurance advantages: * online insurance, commercial insurance, save 15% * free to enjoy the non-accidental roadside assistance Claims features: * exclusive private claims consultant * efficient service, quality maintenance DaiDai car insurance insurance advantages: * private car commercial insurance savings of 15% * unlimited seven-star non-accidental roadside assistance Claims features: * Fast processing of simple claims* Setting up damage fixing points or door-to-door damage fixing
What the insured should pay attention to when making an insurance claimRetain all the relevant information in case you need to ask for it
Familiarize yourself with the terms of the insurance contract in advance, and understand the scope of the claim so that you can make sure that you have a good idea of what you are doing
What you should pay attention to when making an insurance claimIn case of an accident or a hospitalization, the first thing you should do is to notify the insurance company's customer service hotline to report the case. If you have already reported the case, you should store the hospital outpatient, hospitalization cases, physical therapy tickets, and bring them with you when you make a claim, as well as the original policy, personal identification information, etc. You should bring all of them with you. The first thing that you need to do is to take a look at the actual situation and see if you can find a solution to the problem.
What should I pay attention to when buying insurance?
(a) Determine the type of insurance coverage:
1. Risk managers must understand the risks faced by the economic unit and their nature and characteristics.
2. The risk manager must understand the current supply situation in the insurance market.
3. For certain risks that do need to be transferred, if there is no corresponding insurance in the insurance market, you can negotiate with the insurance company, sign the relevant terms and conditions, and sign the insurance contract to realize the risk transfer.
(ii) Determine the amount of insurance: the maximum limit of the insurer's liability for compensation or payment of insurance benefits, but also the basis for the calculation of insurance premiums.
(3) resolution of the degree of insurance:
1. underinsurance: the insurance accident occurs, the actual value of the subject matter of the insurance is higher than the amount of insurance, the insurance company and the loss of the insurance premiums in accordance with the ratio of the amount of insurance and the actual value of the subject matter of insurance at the time of the insurance. Economic units also bear part of the loss.
2. Deductible insurance: the economic unit will bear part of the loss first, and the insurance company will bear part of the loss.
3. Limit loss insurance: the economic unit to establish self-insurance fund to retain the risk of self-insurance fund, but the fear of huge losses and the crisis of the self-insurance fund, so the insurance company to buy a huge loss insurance, agreed to a larger loss amount, the insurance company for the loss of the accumulation of the amount of loss more than the amount of the two sides agreed on that part of the loss of liability
(d) Study of the insurance premium rate: The insurance premium is the price to be paid by the economic unit for transferring the risk it faces to the insurance company, and is one of the important elements studied by risk managers when making risk decisions.
(v) Selection of insurance organization:
1. Financial strength of the insurer. 2. the service and creditworthiness of the insurer.
(F) Push the insurance terms:
1. Risk managers should first understand the insurance liability, that is, the scope of the insurer's commitment to undertake the responsibility to compensate for property damage and personal insurance benefits.
2. Risk managers should be able to participate in the drafting of the insurance contract, rather than passively accept the insurance contract issued by the insurance company.
3. The risk manager should fully understand the rights and obligations in the insurance contract.
What should I be aware of when buying insurance in Hong Kong?
If a mainlander goes to Hong Kong to buy a long term savings policy and the policy is denominated in Hong Kong dollars, the resulting exchange rate risk is greater. As the Hong Kong dollar is pegged to the US dollar, the risk of Hong Kong dollar depreciation is higher as the RMB appreciates against the US dollar. Therefore, when mainlanders go to Hong Kong to buy insurance, they can ask the corresponding insurance companies whether they have RMB-denominated policies, so as to avoid certain risks of exchange losses. At the same time, the method of premium payment is also a problem. After all, it is not very convenient to go to Hong Kong in person once a year at a fixed point in time or to ask someone to make payment in Hong Kong on behalf of the insured. However, mainlanders can open an account in a Hong Kong bank, use Internet banking, authorize the insurance company to automatically withdraw premiums from the account each year is more convenient, but this way to pay a certain amount of handling fees. In addition, claims may also encounter certain troubles. For example, if you buy critical illness insurance in Hong Kong and suffer from a major disease, you will probably be required to go to Hong Kong for identification, which involves the mutual recognition of medical diagnosis and vouchers between the two places. Mainlanders who buy insurance in Hong Kong and choose to seek medical treatment in the Mainland will only be eligible for compensation if they seek medical treatment in hospitals designated by Hong Kong insurance companies. And if disputes arise from policy claims, as the laws of Hong Kong must be applied, they must also be heard by the courts in Hong Kong, which may result in a time-consuming and laborious claims process. It is also important to remind mainland residents to consider the risk of insolvency of Hong Kong insurance companies when purchasing insurance in Hong Kong.
What should be noted about vehicle insurance claims?Vehicle insurance claims dead ends: spontaneous combustion, flat tires, car contents explosion of the three does not compensate
Summer is particularly hot, the continuous occurrence of more than 39 degrees weather, people find it intolerable, which also increases the frequency of people with the car. Insurance experts reminded that the hot summer, car owners in the enjoyment of driving to bring convenience at the same time, but also to pay attention to the use of vehicle safety hazards, such as spontaneous combustion, tire bursts, explosion of the contents of the car, etc., and these hazards caused by the loss of, and there is also the possibility that will not be able to get the insurance company's compensation.
Vehicle spontaneous combustion does not pay
Every summer, there are reports of spontaneous combustion everywhere. Because the terms of the car damage insurance clearly stipulates that the high temperature baking after the spontaneous combustion is excluded, so the car owners want to have protection, need to purchase additional spontaneous combustion insurance. However, statistics show that the proportion of vehicles insured against spontaneous combustion only accounted for 10%. Insurance experts pointed out that although the probability of spontaneous combustion of vehicles is very low, but once it happens, it will be a total loss, the owner is not a small risk.
Spontaneous combustion insurance mainly applies to: vehicles in the process of traveling, due to the car electrical, wiring, fuel supply system failure and the cause of spontaneous combustion of the loaded goods on fire, resulting in the loss of vehicles. Spontaneous combustion insurance because the probability is small, corresponding to the premium is also very low. From a number of motor vehicle spontaneous combustion claims we found that most of the insured vehicles are older cars, oil lines are old and need to be repaired, and there are many accidents are caused by unauthorized modification of the line by the owner.
Experts remind: generally more than two years of vehicles. If the car is too long, aging parts, you can buy "spontaneous combustion insurance". In addition, often long-distance operation of the vehicle should also buy "spontaneous combustion insurance". Automobiles over 3 years old, especially those over 5 years old, are better to purchase spontaneous combustion insurance. New cars that have modified wiring and fuel lines can easily cause accidents, so it is advisable to take out spontaneous combustion insurance as well. In addition, the owner did not insure the spontaneous combustion insurance, if the car in the two-year warranty period of spontaneous combustion, you can ask the 4S store to compensate.
Explosive damage in the car will not be compensated
In addition to spontaneous combustion, some of the items placed in the car may also become the "murderer" that damages the vehicle. For example, many men smoke cigarettes for convenience, often put the lighter in front of the windshield, in the summer sun, the temperature inside the car is rising, the lighter is very easy to explode. At the same time, the lighter explosion, will lead to some damage to the interior of the car, and even burning.
Insurance experts said, due to the explosion of dangerous goods in the car caused by such losses are not covered by the insurance company, the insurance company is not compensated. Therefore, this will cause great economic losses to the owner.
Experts remind: In addition to lighters, cola and other carbonated drinks, perfume, hairspray, high-pressure mosquito killers, canned air fresheners, etc., in the high temperature under the baking, may become a "bomb", so car owners should try to put as little as possible in the summer or do not put such items.
Car flat tire does not pay
The other day the temperature was nearly 40 degrees, the ground temperature is more than 50 degrees, in such high temperatures, it is relatively easy to cause the vehicle flat tire. But the insurance company will generally be flat tire as a car parts of the natural aging phenomenon, wheel damage caused by the loss and cost of insurance companies are not compensated. Insurance experts said that the wheel alone refers to the occurrence of only tires, rims, hubcaps damage, while the other parts of the vehicle did not occur damage to the situation. For the tire burst triggered by traffic accidents, caused by the vehicle damage, the insurance company will still claim.
Experts remind: summer driving, car owners should always pay attention to the use of tires, when the tire wear to a certain extent, to replace the good quality of the new tires in a timely manner; at the same time, it should be regularly to the professional repair point to test the tire pressure, to ensure that the tire pressure is always in a normal state. Don't inflate your car tires too much in the summer to avoid danger.
Auto insurance: what you should know about the claims process: common sense and skills
1) Reporting methods: telephone reporting, online reporting, reporting to the insurance company, and the claims adjuster to convey the report.
(2) After an insurance accident, you should notify the police station or the criminal police force within 24 hours and the insurance company within 48 hours.
(3) Claims cycle: The insured person is deemed to have automatically waived his/her rights and interests if he/she does not file a claim with the insurance company within 3 months from the date of repair of the insured vehicle or the settlement of the accident, or does not receive his/her entitlement to the compensation within 1 year from the date of the insurance company's notification of receipt of the insurance compensation. If your vehicle is involved in an accident that does not involve compensation from others, such as hitting a wall, a step, a concrete injection or a tree, you can report the accident directly to your insurance company in a timely manner instead of reporting the accident to the traffic police or other authorities. In the vicinity of the accident scene, waiting for the insurance company to come to investigate, or drive to the insurance company to report, car inspection.
Claims process:
1, the insured need to report to the insurance company in a timely manner, and carefully fill out the "Motor Vehicle Insurance Notice of Insurance/Claims" and sign it.
2. Inform the insurance company of the location of the damaged vehicle in time so that the vehicle can be surveyed and determined.
3, according to the "Road Traffic Accident Handling Measures" of the provisions of the accident, the compensation for property losses need to obtain the appropriate bills, vouchers. 4、Vehicle repair and accident processing after the conclusion of the case, the information required for insurance claims.
5. Receive the claim payment.
Claims tips:
Loss determination is the basis of the claim Usually, the repair price of the loss determination refers to the cost of repairing the car completely, unless the insurance company found new parts failure during the repair of the car, the need to re-determine the loss, otherwise the repair price of the loss determination as the insurance company needs to be given to the owner of the claim based on the price of the repair. When the car is insured in a different place, the car owner must report the accident in time and wait for the insurance company to fix the damage and make the claim. Car owners should never repair the car by themselves or push the car by human power. Sometimes, the insurance company is usually not responsible for the claim if the damage is enlarged due to unauthorized towing and repairing of the car. When the car is insured in a different place, the car owner also needs to take photos of the accident scene as the first time as a proof of claim. If it is difficult for the loss adjuster to determine the damage within a predetermined period of time, the car owner will be able to claim compensation from the insurance company through these photos and the actual repair bills. Private accident to leave evidence of the scene of the accident quickly deal with the convenience of both sides of the accident, but some drivers do not understand the "accident quickly deal with" program and the provisions of the thought that as long as the responsible party to pay for private on the end, even the traffic police are not notified to the scene, the results of the insurance claim is very troublesome.
Car insurance claims standard:
Car insurance has become a car people may encounter problems every day, out of the insurance claims standard is what? Maybe most drivers are not very clear, for this reason, the reporter interviewed the experts.
1, medical expenses: within the scope of public medical care, according to the hospital to the parties involved in traffic accidents trauma treatment necessary to calculate the cost of payment on the basis of evidence.
2, lost wages: the parties have a fixed income, in accordance with the person due to lost wages to reduce the calculation of fixed income, the income is higher than the average cost of living in the place of traffic accidents more than three times, in accordance with the three times the calculation; no fixed income, in accordance with the place of traffic accidents in the state of the same industry, the calculation of the average income.
3, hospital meal allowance: in accordance with the traffic accident occurred in the place of the state organs of the staff on a business trip meal allowance standard calculation.
4, nursing costs: during the hospitalization of the injured, the caregiver has income, according to the provisions of the lost wages; no income, according to the average cost of living in the place of the traffic accident.
5, the disabled living allowance: according to the disability level, according to the average cost of living in the place of traffic accident. Compensation for 2 years from the month of disability determination.
6, disability supplies: the disability needs to be equipped with compensatory function of the apparatus, with the hospital certificate in accordance with the cost of universal appliances.
7, funeral expenses: according to the traffic accident occurred in the place of funeral expenses standard payment.
8, death compensation: according to the average cost of living in the place where the traffic accident occurred, compensation for 10 years. For those who are less than 16 years old, the age is reduced by 1 year for each year of age; for those who are over 70 years old, the age is reduced by 1 year for each year of age, and the minimum are not less than 5 years.
9, the cost of living of dependents: to the deceased before the death or disability before the loss of capacity to work, no other source of livelihood is limited to the residents of the place where the traffic accident occurred in accordance with the standard of living hardship allowance. For people under the age of 16 years old to support until the age of 16 years. Raise the person who is incapable of labor for 20 years.
10, transportation costs: calculated in accordance with the actual costs necessary for the parties to pay the bills.
Ten tips for auto insurance claims
According to the insurance company's regulations, the insurance company is not liable for compensation for any vehicle stolen from a paid parking lot or a commercial repair shop. The reason is that the above places have the responsibility of keeping the vehicle, and during the period of keeping, the custodian should be responsible for the damage or loss of the vehicle due to the custodian's poor keeping. Therefore, whether the car is lost or scratched, the insurance company does not care.
Tips: The right way is to find a parking lot to claim. Therefore, drivers must be careful to collect the parking fee receipts every time they park. Although many of the relevant provisions of the charge parking lot written "lost regardless of", but according to China's contract law on the provisions of the form of contract, which is a unilateral shirking of their own responsibility, such as the inability to negotiate a solution, had to resort to the law, and now there have been some people have won such a lawsuit.
Second, the car is not annual inspection of the insurance does not pay
In the insurance contract there are provisions: insurance is only effective for qualified vehicles, for the vehicle is not annual inspection can only be regarded as unqualified vehicles.
Tips: car owners must remember to annual inspection on time, do not delay, lest the claim, "the house is even more rain", the fine is small, was refused to pay the big thing. And, if the traffic accident caused a third party loss, the cost will be borne by your own, insurance is bought in vain.
Third, the driver did not annual review is not compensated
Drivers do not have an annual review, the vehicle belongs to the unqualified vehicles, the insurance company can be based on the insurance contract to refuse any claims.
Tips: Take it seriously, don't be afraid of trouble, the annual review when the annual review.
Fourth, since the car hit their own family members do not pay
The third party in the third party liability insurance in layman's terms, the third party is to exclude four kinds of people: namely, the insurer, the insured person, the driver and his family members when the accident occurred in the car and the family members of the insured person. Also not only in car insurance, but also in other liability insurance.
Tips: never cross people, especially your own family.
Fifth, the unlicensed car does not pay
Vehicles in the insurance, the insurance vehicle must have two conditions, one is the insurance vehicle must have the public security traffic management department issued the license plate or number plate, and the second is in the prescribed period of time by the public security traffic management department to pass the inspection.
Tips: Before the new car license plate, remember that you must protect your car from theft and collision.
Six, report untimely not pay
Motor vehicle insurance terms of basic insurance Article 28, Article 30 and additional insurance full car theft insurance terms of Article 4, the insured in the insurance vehicle insurance accidents should be reported to the traffic police department in the place where the accident occurs, at the same time, be sure to report the case within 48 hours, or else it may be directly refused compensation!
Tips: car owners have the obligation to report to the insurance company in time after the accident. Remember "report to the insurance company within 48 hours", although it is an obligation, but it is a law to ensure that you can still eat after the insurance.
Seven, after the collision of the spiritual loss of the insurance company does not pay
The insurance company is not unconditionally fully assume the "insured should pay the amount of compensation", but in accordance with the "Road Traffic Accident Measures" and the provisions of the insurance contract to pay compensation. The insurance terms and conditions clearly stipulate that the insurance accident caused by any moral damage compensation for liability exemption.
Tips: Once the insurance and responsibility for their own, it is best to discuss with the other side of a more satisfactory way to deal with the other side, rather than give the other side a little more money to reach a private settlement.
Eight, the collision must first to the third party claims
In the unfortunate accident, the insured must first to the third party claims, in order to be able to obtain the insurance company's compensation. If the insured person waives the right to claim from the third party and claims directly from the insurance company, the insurance company will refuse to pay compensation. This is because once the right to recover from the third party is waived, the right to claim compensation from the insurance company is also waived.
Tips: Once the insurance and responsibility for the other party, we must first look for the other party to pay, unsuccessful (preferably with the court's enforcement of the unsuccessful proof), before you can justify looking for compensation to the insurance company.
Nine, more insurance and can not be more compensation
Used car insurance, car owners if you choose to determine the amount of insurance according to the purchase price of the new car, once a total loss of the car, can only be insured when the actual value of the used car compensation. Excess insurance and can not get excess compensation, not enough insurance is the same, do not want to cheap and less insurance, otherwise, once the insurance "too late to regret".
Tips: The amount of insurance should be determined by the actual value of the insured vehicle at the time of insurance. Enough insurance to ensure that the insurance can be reasonable compensation. Don't over-insure. If you have too much money in your pocket, consider investing elsewhere.
X. Other situations
1, the car hit the wall, fell out of the ditch how to do?
Tips: When a vehicle crashes into a wall, a concrete pillar, a tree, etc., which does not involve compensation to others, you can not report the accident to the traffic police and other departments, and then report it directly to the insurance company in time, and wait for the insurance company to come to the scene of the accident near the survey, or drive the car to the insurance company to report the accident and check the car.
2, the car spontaneous combustion how to do?
Tips: If the car is on fire, you should immediately stop the car, extinguish the fire, report to the traffic police and fire department, and notify the insurance company at the same time. Pay attention to the traffic police, fire department to deal with the accident to obtain a certificate of responsibility or proof of fire.
3, the car in the field accident how to do?
Tips: If you have an accident in a foreign country, you can report it to your insurance company, or to the local Ping An Insurance Company, which will send professionals to assist in dealing with the accident, and to verify the accidental damage.
Experts explain the six kinds of auto insurance does not claim cases
Third-party liability insurance does not insure the family
Case: Ms. Zhang drove home, almost to the door of his own home, his son heard the sound of his mother's car dashed over to meet the results of the accident, Ms. Zhang accidentally hit his son, spent tens of thousands of dollars in treatment costs. Ms. Zhang thought, their car on the third party liability insurance, should be able to get compensation, so, after the incident, she went to the insurance company to request a claim, the results were refused compensation.
Professionals remind: third party liability insurance in the "third party", in layman's terms, exclude four kinds of people, that is, the insurer, the insured, the car accident driver and his family members, the insured's family members. The third party generally refers to the person or thing on the other side of the accident that caused the injury or damage.
Reporting overtime does not allow for a claim
Case: When a pickup truck made a U-turn in front of a hospital in Hangzhou, a pedestrian walked by and fell to the ground after hitting the pickup truck on its reflector. Due to the fact that the situation is not serious, both sides did not report, the driver privately gave her 300 yuan, even if the end.
As a result, the same night, the woman was hit by the lower body hemorrhage - the injured person not long ago just did an abortion. Because of the seriousness of the condition, hysterectomy, resulting in huge medical expenses. The family of the injured to find the owner of the car to claim compensation, the owner of the car only thought to report to the insurance company, the results of the insurance company refused to pay the claim.
Professionals remind: according to the car insurance contract, after the accident, should be timely to the public security traffic control department, and within 48 hours to the insurance company. Because of the failure to report the case in time, resulting in the insurance company on the accident insurance responsibility or loss can not be determined, the insurance company has the right to refuse to compensate for the loss of the accident. At the same time, the car owners have to remember, the car hit the car if the situation is not very serious can choose to private, but in the case of the car hit a person, regardless of how the situation should choose to report the case in a timely manner, absolutely can not be private.
To take timely measures to avoid expanding the damage
Case: In early August this year, Ms. Chen drove in the 03 National Road Jinhua extension of the countryside on the road, due to the darker lights, the car chassis touched the road piers caused by the engine chassis, gearbox chassis damage. At that time, after the collision, she did not find the situation in time but continued to drive, resulting in oil leakage, the whole engine scrapped. When she realized the situation, she reported the case to the insurance company. But the insurance company finally determined that in the process of the accident, Ms. Chen is about 100 kilometers per hour speed driving, after hitting the iron pier, she did not stop to take timely measures and cause oil leakage, expanding the car damage, so the insurance company refused to pay.
Professionals remind: after the vehicle insurance, should take appropriate measures or timely repairs, otherwise, the resulting expansion of the loss part, the insurance company does not claim. Found that the car has a problem to repair in a timely manner, do not hold on, if the loss of expansion, that only their own responsibility.
Illegal driving can not be compensated
Case: Mr. Zhang bought a car a year ago, his sister was particularly happy to drive his brother's car to try a new car, the results of an old man suddenly out of the turnoffs, Ms. Zhang in a hurry to step on the wrong gas pedal, the old man was rolled to death on the spot. Miss Zhang immediately called the traffic police and insurance companies to report, but then the insurance company does not claim, the reason is that Miss Zhang driving without a license.
Professionals remind: In addition to the above mentioned driving without a license, similar to such as drunk driving, driving license is invalid, does not match, the vehicle did not do the annual inspection, etc. belong to the vehicle touch "red line" category. There are provisions in the insurance contract - insurance is only valid for qualified, legal vehicles. Vehicle owners must remember to hold a valid license to drive, do not drive after drunkenness, on time annual inspection, do not delay, lest the trouble when the claim. Otherwise, even if the loss of time, but also can not be compensated, insurance even if you buy is also in vain.
Parking automatic slippery slope not claim
Case: Mr. Zheng went out to do business, get out of the car parked on the ramp, the results of his finish out of the car body found to be scratched, and immediately to the traffic police and insurance companies to report. Traffic police arrived, that belongs to the car automatically caused by slippery slope, the owner of the car is fully responsible. Mr. Zheng can only drive the car into the repair shop, repainting and other repairs cost a few hundred dollars. He repaired the cost of the car to the insurance company to apply for compensation, but the insurance company gave the answer is to refuse to compensate.
Professionals remind: this automatic slippery slope phenomenon, the insurance company is not claim. Therefore, car owners should pay attention to the parking position of the safe parking.
Don't forget to insure the car personnel liability insurance
Case: Mr. Zhou every year to buy a variety of insurance for the car, but the car personnel insurance did not care. In May of this year, Mr. Liu drove to Tibet on the road accident, injury hospitalized. Due to the lack of accident insurance and vehicle personnel liability insurance, the insurance company refused to pay.
Professionals remind: the two main car insurance - car damage insurance and third-party liability insurance, are not covered by the driver, the car should be supplemented with personal accident insurance or car liability insurance, especially for frequent business trips or enthusiastic self-driving tourists, it is more of a protection of their own interests.
What to pay attention to the insurance company claims
Usually, the insured to the insurance company claims should pay attention to the following points:
(a) pay attention to the statute of limitations and the way to report the case. That is, after the occurrence of an insurance liability accident, the customer (policyholder, insured or beneficiary) should notify the insurance company in writing within 10 days from the date of knowledge of the insurance accident. Under special circumstances, telephone, fax or other means can be taken to record first, and then formalize the reporting procedures.
(ii) Active cooperation and initiative to provide detailed materials. According to the requirements of different types of insurance, customers should prepare the required certificates, files and original materials according to the terms and conditions.
(3) Recognize the responsibility, safeguard the rights and interests, and close the case in a timely manner. Upon receipt of the claim application and related information, the insurance company will promptly approve the claim: if it belongs to the insurance liability, the company will reach an agreement with the customer on the payment of the insurance amount and fulfill the obligation of payment (compensation) 10 days after signing the agreement on the payment of the insurance amount; if it doesn't belong to the insurance liability, the company will issue a notice of refusal of the claim to the customer.
(d) Attention should be paid to the statute of limitations for claims. The statute of limitations for life insurance claims is five years from the date when the insured and beneficiaries know that the insurance accident has occurred, such as Corning Lifetime Insurance. The claim limitation period for other insurance is within two years, such as accident insurance. After the above claim period has elapsed, the insured's right to claim compensation from the insurance company is extinguished on its own.