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teach you drain the last drop of blood, the insurance company (absolutely useful) ōìy good
Preface: I believe there are many owners of auto insurance do not know much, only an accident and motor vehicle insurance will be dealing with, and As the owner of an outsider who can not get a clear idea what auto insurance how deep the water, how to become the greatest beneficiaries of it? Do not worry, there have been many veteran, experienced car owners for us to sum up their experience, we can just read the collection for a rainy day can be, and what it is a common vehicle owners will be able to read and understand car insurance provisions, you're guaranteed a better understanding of auto insurance and claims, Does not she? Save money to buy insurance on the map and the peace of mind!
insurance policy refinement solution (a) Che Sunxian VS third party liability insurance
Che Sunxian we first talk about the most important and liability insurance. Che Sunxian and liability insurance, vehicle insurance, basic insurance, the main compensation for the loss of the insured vehicle and the vehicle in use by the insured losses in a third party!
you probably think even the loss of vehicles due to natural disasters, insurance companies are also not wrong according to compensate! Words of the half, most of the losses caused by natural disasters are lost, and only, except as - earthquake!
Case 1: If your car had the honor to be building in the earthquake hit it, ha ha ... ...
response: Do not rush to the earthquake is over to apply for compensation, such as after the earthquake a few days to apply for compensation.
Chuxian statement: probably due to wall loosening caused by the earthquake, and finally fell in one day, smashed your car, remember: Do not mention the earthquake escape from danger.
Case 2: If your brakes in a car, the car flew up the windshield, causing broken glass, you say? If you honestly
the insurance company said: ) the impact the loss suffered, the insurance companies do not lose it! but people crashed on a different matter.
Case 3: If your car trailer collided with another car, how do?
response Methods: ignore the fact that there is something ... ...
Chuxian statement: Do not mention your tow vehicle or towing by others, or whether you have responsibility for the accident, the insurance companies will not pay.
Case 4: If you are in an accident When the glass broke his own on the glass, there is no risk, you will claim the insurance company you?
not find someone on the glass insurance claims work? line, the absolute line! glass insurance name is: alone and broken glass risk refers to the use of stop and damage caused by the glass, and glass damage caused by the accident should be responsible for Pei Fu Che Sunxian.
insurance if you are not on the glass, when you find yourself up in the morning do not know to be the automotive glass Which son of a bitch broke, how to do?? Oh, the old tactics: slam the brakes while driving caused, but also the fault of the head! (remember to find a height of about the same friends as a shield ah), if it is on the side of the glass breaking , she said, when his head hit a good spin, and Oh!
Case 5: If your car crash, broke a little light, you how to do it?
to find an insurance company, he is absolutely did not dare not lose you, then you thought it was make it? No, actually you are probably sacrificing, and lost money.
not understand? tell you about each vehicle in 2500-5000 of all risks room (more upscale car will be more expensive), if you did not claim during the insurance year, then next year you will receive 10% of the time insurance no claim bonus, this account You do the math, if the amount claimed too small, hey, so forget it, as a 10% discount to reality.
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insurance policy refinement solution (b) 丢车 - - How to minimize the loss of points?
vehicle parking and use of the process will inevitably make people worry about things, which is the most unfortunate thing 丢车, but, if you do as I say , your losses will be reduced to a minimum.
remember, ah, once 丢车, the first thing to do What? to the police? wrong! car has been lost, which so easy to immediately find ah, you too overestimated the ability of the Chinese police, or think about how to reduce losses it!
reduce losses? which so easily ah, the car is lost, how to cut ah? Remember, I do !!!!
First of all remember to look at their insurance policy, there are no vehicles on Daoqiang Xian. What, no? bad luck that you recognize it, is useless to me, and buy one now!
If you are on the Daoqiang Xian, First of all, I want to congratulate you, your losses can be minimized, but, be careful ah! Then you have to do is Bijin your mouth, the sense of reading my post, otherwise you will sorry,nike shox tl3 for sale!

Case 1: Daoqiang Xian stipulates that the insured loss of driving license, car original invoice, certificate of surcharge of 0.5% each of the absolute increase in the deductible. lost car keys increase of 5 % absolute deductible. These provisions in the insurance policy using the lightest color print, do not believe that you can take a closer look at list, certainly in some inconspicuous corner can be found in this passage.
so Whether you have a spare key had been lost, or you are to start running in the car with a key, please remember to forget it, or else ... ... 5% loss carry your own set it!
Case 2: If your car pay parking lots or commercial repair shop in the stolen, the insurance company liable to pay you?
answer is: do not lose!! because these places the responsibility on the vehicle is kept in storage period, the vehicle damage caused by improper care custodian, lost, and the depository should be held accountable. insurance company is not liable.
Therefore, the correct way is to find parking to claim, so remember that a good income each stopping parking fee receipt ah, although the loss of the above printed matter, but according to our contract law regarding the format of the contract, which is unilaterally shirk their responsibilities! You may rest assured that he told a good bold, Oh, give you a The good news, has been won this lawsuit, so the principle of the case to push prospective, case after case to trial in accordance with this decision, ha ha!
Case 3: If, parking is your friend open, or you added something to the parking lot from the side can not afford to Peifu your car, you can consider a change 丢车 site? Haha, I did not say ah! You go on her own.
Case 4 : Again, if you are a boss, as some accounts of the problems and friends had a falling out, and your friend is a villain, he secretly stole your car, your guess is he did it , you will find the insurance company to compensate you?
tell you, the insurance company are not liable for compensation. because of provisions: the insured person and other people's civil and economic disputes Erzhi stolen vehicles, stolen for the exclusion of liability.
So, you can forget your big economic disputes, reporting directly to the Public Security Bureau and the courts, and remember, do not say that out of your suspect, otherwise you will pull the financial problems came to the efficiency of the Court of China, You probably get a taxi within half a year to go out!
Case 5: If you just bought a new car, on the whole risk, but did not have time license (now the traffic control regulations: inspection 15 working days after the led license plate before), after the insurance company liable for Chuxian you?
not responsible for damages. because the dangerous condition, the insured vehicle must have two conditions, one insured vehicle must have public security traffic driving permit issued by the administration or plate, the second is the provision of traffic management during the period of the public security department of inspection. but in general, by special agreement before the public security department under the insurance to be issued after the inspection and license plate of the new vehicles will be responsible for the Che Sunxian home and liability insurance. it is responsible for丢车 Daoqiang Xian compensation has not entered into force, naturally, you receive no compensation.
seems to change if you are not relied on guts about lost time,armani shoes, buy a new car even if given away! what I can and have did not say ah!
Case 6: If your car recovered, the insurance company to handle claims?
insurance vehicle was recovered after the robbery, if the insurance company has not compensation, should the vehicle be returned to you, However, during the whole car was robbery, vehicle damage or vehicle by the parts, ancillary equipment lost the reasonable costs of repair required, the insurance company to pay compensation. If the insurance companies have compensation, you should return your vehicle, while the corresponding recovery of compensation. If You do not want to recover the original car, the vehicle owned by insurance companies of all interests.
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Precision Solutions Insurance Terms (c) crash crash
as long as the insurance company pay you the whole ? of course not as long as you carefully look at the hands of the policy benefits Disclaimer know, insurance companies have a lot of things that do not pay it, trying to minimize the loss, or come to me, ha ha!

Case 1: Suppose you are a novice, just take a car (of course, chances are the rental car), on the road Lianju time to hit your brother, you know this car have liability insurance, You will find the insurance company claims you?
Answer: If you go, you're crazy, the insurance company will kick you kicked out, why??
First of all, you need to know what is liability insurance, full name : third party liability insurance.
So what is it third party?
means any third party insurer and the insured in addition, because the insurance vehicle accident caused the insurer to persons or property under the vehicle suffered damage to the victim under the car. popular third party is ruled out of four people say: that the insurer, the insured, the vehicle driver when the accident occurred and their family members, the insured person's family members.
now understand that you as a driver at the time, hit your family, insurance companies, instead of losing, well, you know how to do it! What? do not know? mad at me, a change in driving Members of the non-hit would be finished Well, really, what I say out of harm.
Case 2: If you were fortunate enough to hit his car, and it is your responsibility to the whole, the court sentenced you to guarantee to pay compensations to financial compensation for your loss mental damages, damages for disabled ... ... how do you handle it?? also how to give money it wants to!
wrong! wrong!
you and the other family members should discuss and increase and disability compensation for economic loss damages, as far as possible to minimize the spiritual compensation, without of course, the better.
Why? you ask me why? This is not a five-horse-for-six sheep thing.
man, you have wrong, the insurance company is not entirely unconditional commitment, compensation for moral damage of any exclusions. Therefore, regardless of whether the court should be insured compensation for mental damages, the insurance company not liable.
understand?? other insurance companies pay for you, regardless of the spirit of the loss can be, So, rather give each other money, they should not promise the spirit of compensation, in short, the insurance company of generous expense Bai, Ha ha!
Case 3: If You're fortunate enough to crash, this time is not your responsibility, and the other party do not want to lose money, you can claim with my insurance company?
Answer: Yes, but you must first third-party claims, we can be an insurance company. If you give up claims to the rights of third parties, and directly to the insurance the company claims, insurance companies do not pay. because you give up the rights of recourse to a third party, while the insurance company will give up the right to seek compensation.
So, remember, remember, we must first find each other lose, the best is to enforce the court failed to prove that, then you can look confidently to the insurance company, leaving them clean up the mess though go, Who of their annual income so much of your premium it!
Case 4: I remember used to have a bad driver, under the command of the police to help criminals escape police stops are, crashed into the criminals, the results of the two vehicles collided, and what is a Cana, the insurance company will pay him up?
course not, plainly written in the insurance provisions, the driver of the Consider Oh!!!
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insurance policy refinement solution (d) claim - must-read, because you've probably never heard of



★ Insurance Case I: A friend lost car, has been full insurance, my insurance company claims, failed, insurance company exclusions reasons: to check Vehicle Administration, this car is not inspection.
Case : Insurance company behavior while, very reasonable, also in accordance with the provisions of insurance contracts: insurance is only effective for qualified vehicles, for the annual inspection of the vehicle not the vehicle can only be disqualified, even if you are useless no matter how well maintained, the results White lost only lost, but also on the white on the insurance, the insurance cash value at the most back.
Case Conclusion: your car,//www.0573.me/forum.php this forum, be sure to schedule the annual inspection, after the extension must not, otherwise, a fine is a small matter exclusions something big, this time even if a third party losses caused by traffic accidents, but also at your own expense, insurance, buy white!
case solution: schedule the annual inspection, even a day, nor night; if it untoward, remember do not report to the police as soon as possible to spend money and then filled the inspection procedures for reporting claims procedures!
sorry, just a burst of dizziness, I did not say? said is nonsense .
★ Insurance Case II: and the like, without making the driver examined the note, and you drive all the problems occur, the insurance company is not responsible for compensation, for reasons similar to the previous example, without go into details.
★ Insurance Case III: This is a frequently asked question: I just bought the car, not on the license, the insurance goes into effect?
explained: when the vehicle in dangerous condition, insurance, vehicles must have two conditions, First, the vehicle must have the insurance department of public security and traffic management driving permit or license plate issued, the second is for a specified period by the public security inspection of traffic management.
but in general, by special provisions of the contract, the insurance must be issued after the inspection plate Che Sunxian of new vehicles could be responsible for, and liability insurance, so when your car is missing even luck, gradually getting hit pretty people make do with the insurance company gives you wore, it is now clear of it!
★ insurance claim evidence principles: (because there are N people ask this question, so answers in this together)
insurance claims after midnight several situations
1, incident to come forward by the Transport Team address:
by the Traffic Team, or conciliation statement issued by a single penalty, the court decisions, judgments can be used. These materials are absolutely so that, certainly in the way insurance companies the green light. rest assured that claim good
2, in the district of accidents:
major incidents: the serious damage a vehicle, or to be open to traffic team proved too much trouble;
general cut rub: the certificates to the community property, as has often been suspected, usually too much trouble;
Therefore, the best Times report on urban roads, or else ... ... kill you!
3, minor accidents on the road, including stopping the cut rub
such need to prove that the principle is: whether it involved a third party? such as Pei Fu a third party, or need proof of traffic team.
accident between the parties, such as a break, you can specify in the claim: accident third-party self-study, then the blame Che Sunxian claims, the insurance company If you the certificates to the traffic team, you've got to bite the other promoted, says no to child away, and Insurance companies generally will not be too seriously. You have to promise to open the show blame I did not remind you, you go and run , volatile enough money to pay the oil money to do!
4, the back of people:
if hit by another car after the car accident to escape, unable to find. the situation is more serious trouble, through traffic team settled on behalf of the insurance company can recover.
not serious, it is best to resolve the claim to self-blame, and claim to be in a sticky note if the other car body paint, and the direction of collision, must justify, or you miserable!
Last remind you: the reporting of cases must be reported within 48 hours, or they may directly be exclusions!! Remember, remember,mtb for sale, do not have to say within 48 to 48 ah!


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