Everyone who owns a car must have purchased car insurance. However, the car insurance provisions of today’s insurance companies are full of traps!
Today I will publish an article exposing the traps of insurance companies and the mysteries in their articles. If you gain anything after reading it, please help me support it!
Including numerous accident cases, it is of great practical significance and I hope it will be helpful to everyone.
The clearest explanation, the only insurance clause that ordinary people can understand.
(1) Car damage, third party
(2) Lost car
(3) Car crash
(4) Claims
Explanation of insurance clauses (1) - car damage, third party
Let’s first talk about the most important car damage insurance and third party liability insurance.
Car damage insurance and third-party liability insurance are the basic insurances of vehicle insurance. They mainly compensate for the loss of the insured vehicle and the losses caused to third parties during the use of the insured vehicle!
You may think that even if the vehicle is damaged due to a natural disaster, the insurance company will still compensate!
This is half right. Most of the losses caused by natural disasters will be compensated, except for one thing - earthquake!
★★Case 1: If your car is lucky enough to be hit by a building during an earthquake, haha
How to deal with it: wait a few days after the earthquake before applying for compensation
Disaster statement: Probably due to the earthquake, the wall became loose and finally fell down one day (do not mention the accident during the earthquake)
★★Case 2: If your car brakes suddenly During the incident, something in the car flew onto the windshield, causing the glass to break. What do you say?
You tell the insurance company honestly: "My tissue box flew up and hit the glass," wow. . . . . . "(Internal strength is high enough, haha)"
You are miserable. . . . . . The claims adjuster will point to his mouth: "Please look at the shape of my mouth - NO!!"
The correct response: change the facts a little
p>Disaster statement: A friend of mine who has practiced Tietou Kung Fu broke the windshield while braking, OK!
Remember, the insurance company will not compensate for the damage caused by the impact of objects in the car! !
★Case 3: If you collide with another car while towing
Countermeasures: Ignore some facts
Accident statement: Don’t mention that you are towing a vehicle or being towed by others, otherwise the insurance company will not compensate regardless of whether you are responsible for the accident
★Case 4: If you break your own glass during an accident and do not have glass insurance Will you file a claim with the insurance company?
Is it possible to make a claim if you don’t have glass insurance? Yes, absolutely!
The full name of glass insurance is: individual glass breakage insurance, which refers to glass damage caused by parking and use. Glass damage caused by accidents should be compensated by car damage insurance
If you don’t have glass insurance, what should you do when you wake up in the morning and find that some bastard has broken your car glass?
Haha, the old trick——while driving The sudden braking was caused by the head! (Remember to find a friend of similar height to serve as a shield). If the glass on the side is broken, it means that your head was hit when you skidded, haha
★★★Case 5: If your A small light was broken when the car crashed, what should you do?
Go to an insurance company. They will never dare not to compensate you. So whether you have made a profit or not, you will probably have to pay.
I didn’t understand and I told you that the total insurance coverage for each car is about Between 2500-5000 (it’s such a great car, just do the math yourself, I’m not good at math), if you don’t make a claim within the one-year insurance period, you will get a 10% no-claims benefit when you apply for insurance in the next year , you can do the math yourself. If the claim amount is too small, hey, just forget it. . . . . . . .
★★★Explanation of Insurance Terms (2) - Lost Car
I would like to share this document with friends who have lost their car or are likely to lose their car!
In the process of parking and using a vehicle, it is inevitable that people will have troubles. Among them, losing the vehicle is the most unlucky thing. However, if you do what I say, your losses will be reduced. Get to rock bottom.
Remember, what is the first thing to do once you lose your car?
Call the police?
Wrong! The car has been lost. How can it be found so easily immediately? You may have overestimated the capabilities of China JC. You should think about how to reduce losses!
Reduce losses? It’s not that easy. I’ve lost my car, how can I reduce it?
First of all, remember to check whether your insurance policy covers vehicle theft insurance.
What, no? Then accept your misfortune and buy another one
If you are involved in theft insurance, first of all, I want to congratulate you. Your losses can be minimized, but you must be careful! What you have to do at this time is to shut your mouth and read my post in a down-to-earth manner, otherwise you will definitely regret it!
Case 1: Theft insurance stipulates that the insured’s lost driving license, original car purchase invoice, and vehicle purchase surcharge voucher will increase the absolute deductible by 0.5% for each item.
There is an absolute deductible of 5% for lost car keys. These provisions are printed in the lightest font in the insurance policy. If you don’t believe it, you can take out the policy and look at it carefully. You will definitely find this paragraph in an inconspicuous corner.
So whether you have a spare key that has been lost, or you have a key in the car that was driven away, please remember to forget it, otherwise. . . . . . You can handle the 5% loss yourself!
Case 2: If your car is stolen in a paid parking lot or commercial repair shop, is the insurance company responsible for compensation?
The answer is: no compensation! ! Because the above-mentioned places are responsible for the safekeeping of vehicles, the custodian shall bear liability if the vehicle is damaged or lost due to improper care by the custodian during the storage period. The insurance company is not responsible for compensation.
So the correct way is to find a parking lot to claim compensation. Therefore, remember to collect the parking fee receipt every time you park. Although it says "Ignore it if lost" printed on it, according to the provisions of the standard contract in our country's contract law , this is a unilateral shirking of one's own responsibilities! Just feel free to sue him boldly. Haha, I have good news for you. Someone has already won such a lawsuit. Therefore, according to the principle of case deduction, future case trials can be decided according to this case, haha!
Case 3: If the parking lot is opened by your friend, or you hear from the side that this parking lot cannot afford to pay for your car, can you consider changing the location where you lost your car? Haha, I didn’t say anything
Case 4: Furthermore, if you are a boss and you have a falling out with a friend because of some accounting issues, and your friend is a small business owner. Man, he secretly stole your car. You guessed it was him. Will you seek compensation from the insurance company?
Let me tell you that the insurance company is not responsible for compensation. Because the terms stipulate that the insured is exempted from liability if the vehicle is robbed or stolen due to civil or economic disputes with others.
So, you can forget about your financial disputes and report the case directly to the public security bureau. Remember, never say who you suspect, otherwise you will involve financial issues. According to the Chinese courts With such great work efficiency, you will probably have to take a taxi to go out within half a year!
Case 5: If you have just bought a new car and have full insurance, but you have not had time to get the license plate (current traffic control regulations: you can only get the license plate 15 working days after the vehicle inspection), Is the insurance company responsible for compensation after an accident?
Not responsible for compensation. Because in the event of an accident, the insured vehicle must meet two conditions. First, the insured vehicle must have a driving license or license plate issued by the public security and traffic management department, and second, it must pass the inspection by the public security and traffic management department within the specified period. However, generally, by special agreement, new vehicles entering the household that are required by government departments to be insured first and then inspected and issued with license plates can be covered by vehicle damage insurance and three-liability insurance. Therefore, the theft insurance that is responsible for compensation for lost cars does not take effect. Naturally, you will not receive compensation.
It seems that if you don’t have the courage to change the lost time, the newly purchased car will be given away! I didn’t say anything.
Case 6: If your car is lost and found, how will the insurance company handle the compensation?
After the stolen and robbed insured vehicle is recovered, if the insurance company has not paid compensation, the vehicle should be returned to you. However, during the whole vehicle being stolen, the damage to the vehicle or the parts and components on the vehicle were damaged. The insurance company is responsible for compensation for the reasonable costs of repairing lost accessory equipment. If the insurance company has compensated, the vehicle should be returned to you and the corresponding compensation should be recovered. If you do not want to repossess the original car, all rights and interests in the vehicle belong to the insurance company.
Explanation of Insurance Clauses (3) - Car Crash
I would like to share this document with friends who have been in a car crash or are likely to be in a car crash!
As long as there is a car collision, will the insurance company pay the full compensation? Of course not
You only need to carefully look at the compensation exemption clause of the insurance policy in your hand to know. The insurance company has a lot of things that it will not compensate for. If you want to minimize the loss, you should come to me, haha !
Case 1: Suppose you are a novice and have just borrowed a car (of course it may not be a rented car). While practicing driving on the road, you hit your brother. Do you know this car? Your car has third-party liability insurance, will you file a claim with the insurance company?
Answer: If you go, you are crazy, the insurance company will kick you out, why
First of all, you need to know what three-liability insurance is, its full name is: third liability insurance Three party liability insurance. (It doesn’t matter if a third party interferes, haha)
Then what is a third party?
The third party refers to the victim under the insured vehicle who suffers damage to the persons or property under the insured vehicle due to an accident involving the insured vehicle, in addition to the insurer and the insured. Generally speaking, there are four types of third parties that are excluded: the insurer, the insured, the driver and his family members when the car was involved in an accident, and the insured’s family members.
Now I understand that if you, as the driver at the time, injured your family, the insurance company will not pay compensation. Well, you know what to do!
What? Don’t know yet? I'm so angry. If I change the driver and hit someone, it will be over. Really, it makes me say everything.
Case 2: If you are lucky enough to hit someone with your car, and it is all your responsibility, The court awards you compensation for the other party's economic losses, mental losses, and disability losses. . . .
How should you deal with it?
What else can you do? Just give me money! wrong!
You should discuss with the other party’s family to increase the compensation for economic losses and disability losses, and try to minimize the mental compensation. Of course, it would be better if there is no compensation.
Why? You ask me why? Isn't this five horses for six sheep?
Brother, you are wrong again. The insurance company does not unconditionally fully bear the "amount of compensation that the insured should pay according to law", but in accordance with the "Road Traffic Accident Handling Measures" 》 and the provisions of the insurance contract to provide compensation. The terms clearly stipulate that any relevant mental damage compensation caused by the insured accident is exempt from liability. Therefore, no matter whether the court decides whether the insured should compensate for mental losses, the insurance company is not responsible for compensation.
I understand that other insurance companies will pay for you, but they don’t care about mental losses. Therefore, I would rather give the other party more money than agree to mental compensation. In short, be generous to the insurance company, haha!
Case 3: If you are lucky enough to have a car crash again, and it is not your fault this time, and the other party does not want to pay, can you file a claim with the insurance company?
Answer: Yes, but you must first file a claim with a third party before you can receive compensation from the insurance company. If you give up your right to make a claim against a third party and make a claim directly to the insurance company, the insurance company will not pay. Because you give up the right to seek compensation from a third party, you also give up the right to demand compensation from the insurance company.
So, remember, remember, you must seek compensation from the other party first. It is best to have proof from the court that enforcement has failed. Then you can confidently go to the insurance company and let them handle the rest of the mess. Clean it up, who allowed them to charge you so much insurance premiums every year!
Case 4: I remember that there was an unlucky driver who crashed into a fleeing criminal under the command of JC. As a result, the two cars collided. It was terrible. Will the insurance company compensate him?
Of course not. The insurance terms are clearly written. The driver’s intentional behavior is not included in the compensation, so you can only repair the car yourself:
So, if you don’t have enough Financial ability, you should consider it before becoming a hero! !
Explanation of insurance clauses (4) - Claims
★Insurance cases are a must-read, because you may not have heard of them before. )
A friend of a well-known DX in the industry lost his car and had full insurance. He went to the insurance company to make a claim, but failed. The reason why the insurance company refused to pay was: he went to the vehicle management office and found out that the car had not been inspected annually.
Case analysis: What the insurance company did was very reasonable and based on the provisions of the insurance contract: insurance is only effective for qualified vehicles, and vehicles that have not been inspected annually can only be regarded as unqualified vehicles, even if you maintain them No matter how good it is, it is useless. The result is that it will be lost in vain, and the insurance will be in vain. At most, the cash value of the insurance will be refunded.
Case conclusion: Your car must be inspected annually on time and must not be delayed. Otherwise, the fine will be small and the refusal of compensation will be big. Even if a traffic accident causes losses to a third party, It will be borne by you, and the insurance will be in vain
Case solution: annual inspection on time, even if it is one day, never too late;
If something unfortunate happens, remember to do it Don’t report the crime immediately, spend money to complete the vehicle inspection procedures as soon as possible and then go through the reporting and claim procedures!
Sorry, I felt dizzy just now, so I didn’t say anything, right? It’s nonsense
★Insurance Case 2:
Similar to the above, please pay attention to the things that have not been done in the driver’s annual review. Any problems that occur while you are driving will not be covered by the insurance company. Responsible for compensation, the reasons are similar to the above example and will not be repeated.
★Insurance Case 3:
This is a question that is often asked: I have just bought my car and it has not yet had a license plate. Is the insurance valid?
Explanation:
When a vehicle is in danger, the insured vehicle must meet two conditions. First, the insured vehicle must have a driving license or number plate issued by the public security and traffic management department; second, it must be certified by the public security and traffic management department within the specified period. Passed the inspection.
However, generally with special agreement, new vehicles that require insurance first and then inspection and license plate can be covered by car damage insurance and three-liability insurance
So, if your car is lost at this time Even if you are unlucky and hit someone or something, the insurance company will cover it for you. Now you understand!
★Principles of proof materials for insurance claims Because this question has been asked by N people, I will give an answer here)
There are several situations when making an insurance claim
1 , if the accident is resolved by the traffic team
The traffic team will issue a penalty ticket or mediation letter. If the accident is judged by the court, the judgment letter will suffice.
These materials are absolutely useful and will definitely get the green light from the insurance company.
Don’t worry about making a claim
2. If an accident occurs in the community
Major accident: that is, if the car is seriously damaged, you still have to go to the traffic team to issue a certificate, which is very troublesome
< p>General: Go to the community property management office to issue a certificate, because it is often suspected, and it is usually very troublesomeSo, it is best to report the crime on the city road, otherwise—————————————— You're exhausted!
3. Minor accidents on the road, including scratches while parking
(DX is the most common in such accidents)
Such needs The principle of proof is: whether a third party is involved
If a third party is involved in compensation, the transportation team still needs to prove it.
If the accident was resolved by both parties on their own, you can indicate when claiming: The accident was repaired by a third party by themselves, and then claim for self-responsibility in the car damage insurance. If the insurance company asks you to go to the traffic team to issue a certificate, you must If you bite the bullet and don't let go, just say there is no place to drive. Insurance companies generally don't take it seriously. You have to agree to get the certificate issued. Don’t blame me for not reminding you. Just run. The money you lose may not be enough for gas!
4. The person with the deepest back
If the car is hit by another car and the car escapes, it cannot be found
In serious cases, it will be more troublesome. Solve the problem through the traffic team, and the insurance company can recover the compensation on your behalf.
If it is not serious, it is best to settle the claim by blaming yourself. When making a claim, you should pay attention to whether the other car’s paint is stuck on the body and the direction of the collision. You must justify your claim, otherwise you will be in trouble. !
Finally, I would like to remind everyone DX: When reporting a crime, you must report it within 48 hours, otherwise you may be directly denied compensation! ! Remember, remember, even if it is not within 48, it must be said as 48!
★If you are still missing any procedures, weigh it yourself and go ahead and do it!
Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance