Which company is not too important, now is the market economy, the insurance companies have improved the service, look at the following article
Car purchase insurance book
Insurance topics: often run ~ ~ ~ ~ ~ safety first on the road
Some car owners don't know about insurance, so they have an insurance program,
The insurance basic introduction, the claim process and some cases are here
1. insurance items
At present, the property insurance companies engaged in auto insurance business in China are: people's insurance company of China, Pacific property insurance company, ping an insurance company, Huatai property insurance company, cheonan insurance company, mass insurance company, Hua 'an property insurance company, Yong 'an property insurance company, China United property insurance company and Taiping insurance company, among which the first three accounts for more than 90 % of the national auto insurance market share。
Rate coefficient is divided into 12 items, they include the vehicle age coefficient, model coefficient, the driver's gender, age coefficient, whether to specify the driver, no compensation preferential treatment, insurance method, the number of insurance coverage, location and car damage insurance settings under different absolute premium adjustment coefficient, etc。
Under the condition that the vehicle age, vehicle type, vehicle owner's gender, age, region and other rate factors do not change, the vehicle owner can realize the adjustment of the benchmark premium through the selection of some rate factors, so as to achieve the maximum guarantee of the vehicle and the optimal combination of the most reasonable premium。
Experts with the purchase price of 100,000 to 200,000 yuan private car customers for example, if a middle-aged female customers in Zhongshan, Guangdong province for the purchase of three years " Passat" owned car insurance, no compensation record within three years, the insurance method for direct insurance, so, the premium of the policy is only 52 % of the benchmark premium, saving nearly half of the original。
The reasons are as follows: under the new scheme, the owner can enjoy a premium discount of 10 % through the service stores, websites and telephone of the insurance company; In the number of insurance, the owners can be combined into a group of one-time insurance, the number of vehicles insured more than 20 units, there is an 8 % discount。
Second, customers with good driving records can apply for different amounts of car loss deductibles when insured, in that case, the car loss insurance premium will be significantly reduced。 For example, the purchase price of 100,000 to 200,000 yuan self-provided car customers, insurance if you choose to undertake every insurance accident 2000 yuan absolute deductible ( general family can bear ), then the customer can enjoy 38 % of the car damage insurance price concessions。
Third, there is no compensation preferential coefficient in the new scheme, if the customer in 3 years have any two years without a risk record, then you can enjoy a 20 % discount, and for 3 years and more than 3 years without a risk of vehicles, the no compensation preferential treatment can reach 30 %。
What are the items covered by car insurance
Automobile insurance covers mainly the following items:
I third party liability insurance
The insurance company shall pay compensation in accordance with the relevant provisions of the insurance contract in accordance with the relevant provisions of the insurance contract。 The emphasis here is on " others", that is, third parties。 The insurance liability of the insurance company in the insurance contract is stipulated as follows: the insured allows qualified drivers in the use of insurance vehicles in the process of accident, resulting in a third person suffered personal injury or property damage directly, the insurance company in accordance with the " road traffic accident treatment measures" and the provisions of the insurance contract to give compensation。
Second, the whole car stolen rescue
Refers to the insurance vehicle whole car was stolen, robbed, confirmed by the public security criminal investigation department filing, full three months did not find out the whereabouts, or insurance vehicles in theft, robbery, robbed during damage, or the car parts and accessories lost need to repair the reasonable cost, the insurance company is responsible for compensation。
Iii. on - board liability insurance
Refers to the insured motor vehicle in the use process, accident, resulting in direct damage to the goods contained in the insurance vehicle and the car personnel casualties, shall be borne by the insured economic liability according to law, the insurance company in the insurance policy specified in the amount of compensation for the insurance。
Iv. no - fault liability insurance
Refers to the insured vehicle in use, due to traffic accidents with non motor vehicles, pedestrians, causing casualties and property damage directly to the other party, the insured vehicle party without fault, and the insured refuses to compensate for the failure, the insured has been paid to the other party and unable to recover the cost, the insurance company is responsible for compensation。
V. on - board goods drop liability insurance
Refers to the insured motor vehicle in use, the goods from the car fell down resulting in a third party suffered personal injury or direct damage to property, according to the law shall be borne by the insured economic compensation liability, the insurance company is responsible for compensation。
Six, glass breakage risk alone
Refers to the insured motor vehicles in the parking or use process, the car glass broken separately, the insurance company according to the actual loss of compensation。
Seven, vehicle suspension loss insurance
Refers to the investment and preservation of the insurance of motor vehicles in the use process, due to natural disasters or accidents, resulting in damage to the body, resulting in the loss caused by the suspension of vehicles。 The insurance company shall pay compensation in accordance with the number of days and the amount of compensation agreed with the insured。
Viii. natural loss insurance
Refers to the insured motor vehicle in the process of use, due to the failure of the vehicle circuit, line, oil supply system and the carriage of goods on fire combustion, resulting in the loss of insurance vehicles, the insurance company is responsible for compensation。
Nine, the new increase in equipment loss insurance
Refers to the insured motor vehicles in the use process, due to natural disasters or accidents caused by the direct damage of new equipment on the car, the insurance company is responsible for compensation。
Ten, excluding special insurance
Refers to the motor vehicle for the special insurance accident, loss insurance and third party liability insurance accident caused by compensation, in accordance with the provisions of the compensation amount according to the liability shall bear the amount of compensation, the insurance company is responsible for compensation。
The choice of insurance scheme in each
At present, motor vehicle insurance includes 2 basic risks and 9 additional risks。 In these 11 types of insurance, in addition to the third party liability insurance is mandatory, other types of insurance are voluntary as a principle。 Owners can be insured according to their own economic strength and actual needs。 The following are five motor vehicle insurance schemes, which can be used as a reference for vehicle owners。
I minimum safeguards programme
Insurance type: third party liability insurance。
Scope of protection: only liable for third party's losses。
Applicable object: person who is eager to get a license or pass the annual inspection。
Features: minimum security, low cost。
Advantages: can be used to cope with the license plate or inspection car。
Disadvantages: in the event of a crash or collision, the other side of the loss can get some compensation from the insurance company, but the loss of their own car only their own burden。
For example: take a new car worth 160,000 yuan as an example, that third party liability insurance is generally limit to 100,000 yuan, so the insurance premium of 1,300 yuan is required。
Ii. basic security programme
Insurance type: vehicle loss insurance + third party liability insurance
Coverage: basic insurance only, excluding any additional risks。
Features: moderate cost, able to provide basic security。
Applicable object: owner with certain economic pressure。
Advantages: necessity is highest。
Disadvantages: not the best combination, it is best to join the non-compensable special insurance。
For example: take a new car worth 160,000 yuan as an example, that basic premium of the car damage insurance is 240 yuan, and the rate is 1. 2 %, then: 240 + 160000 x 1. 2 % + 1300 = 3460 yuan。
Iii. economic insurance programme
Insurance type: vehicle loss insurance + third party liability insurance + exclusive special insurance + whole vehicle theft rescue
Features: 4 of the most necessary and valuable insurance。
Applicable object: it is the best choice for personal budget。
Advantages: the most valuable insurance, insurance cost - effective, people are most concerned about the loss and 100 %
Payment and other risks are guaranteed, the premium is not high but contains a more practical non-compensable special insurance。 Of course, this is still not the most perfect insurance scheme。
For example: a new car with a value of 160,000 yuan is taken as an example, excluding non-compensable special insurance, which is calculated by 20 % of the sum of the vehicle loss insurance and the third party liability insurance premium。 The rate of the whole vehicle stolen rescue is 1 %, then: 3460 + 3460 x 20 % + 160000 x 1 % = 5752 yuan
Iv. best safeguards
Insurance type: vehicle loss insurance + third party liability insurance + car liability insurance + windshield glass insurance + exclusive special insurance + whole car theft rescue
Features: on the basis of the economic insurance plan, added the car liability insurance and windshield glass insurance, so that passengers and vulnerable parts of the vehicle to get security。
Applicable object: general company or individual
Advantages: the insurance value of large insurance, do not spend money, value for money。
For example: in the case of a new domestic car worth 160,000 yuan, if it is a bus, the car liability insurance only needs to be insured for the car personnel, according to the seat insurance rate of 0. 9 %, according to the approved number of seats insured rate of 0. 5 %, glass breakage risk according to the domestic windshield rate ( 0. 15 % )。
1, the car liability insurance according to the seat loss of 500 thousand yuan:
3460 + 500000 x 0. 9 % + 160000 × 0. 15 % + 3460 x 20 % + 160000 x 1 % = 10492 yuan
2, the car liability insurance according to the approved number of seats insured 500000 yuan:
3460 + 500000 x 0. 5 % + 160000 × 0. 15 % + 3460 x 20 % + 160000 x 1 % = 8492 yuan
V full security programme
Insurance type: vehicle loss insurance + third party liability insurance + car liability insurance + windshield glass insurance + unavoidable compensate special insurance + newly added equipment loss insurance + spontaneous combustion loss insurance + whole vehicle theft and rescue
Features: security risks, in order to prepare for danger。 Can protect all insurance coverage, calmly on the road, don't have to worry about the risks of traffic。
Applicable object: the owner of the abundant economy。
Advantage: almost all accident losses related to the car can be compensated。 The insured person does not need to be less than a certain insurance and not get compensation, bear the loss of insurance policy mistakes。
Disadvantages: high security insurance premium, some insurance risk probability is very small。
For example: a new car worth 160,000 yuan, for example, the new increase in equipment loss insurance rate of 1. 2 %, the rate of spontaneous combustion loss insurance is 0. 4%。
1, the car liability insurance according to the seat of 500 thousand yuan
3460 + 500000 x 0. 9 % + 160000 × 0. 15 % + 3460 x 20 % + 30000 x 1. 2 % + 160000 × 0. 4 % + 160000 x 1 % = 11492 yuan
2, the car liability insurance according to the approved number of seats insured 500000 yuan:
3460 + 500000 x 0. 5 % + 160000 × 0. 15 % + 3460 x 20 % + 30000 x 1. 2 % + 160000 × 0. 4 % + 160000 x 1 % = 9492 yuan
Third party liability
What is a third party?
A third party means the insured and his property and all persons and property on the insured vehicle other than others and other things。 The so-called " all personnel" refers to the driver of the car and all passengers。 These persons do not belong to a third party, but they can be regarded as a third party after alighting except the driver。 The insured person of a private vehicle and members of his family are not a third party, as for the property on the insured vehicle, refers to the insured person and his driver all or the escrow property, the property is not a third party liability。
Which vehicles can protect third party liability?
There is no restriction on the types of third party liability insurance vehicles, that is, motor vehicles of all kinds or vehicles for professional purposes, except those driving without a licence。 The use of an insurance vehicle includes the process of driving and parking the vehicle。
How to deal with collision liability?
The collision of an insured vehicle with an uninsured vehicle, resulting in death or injury to the driver or passengers on the uninsured vehicle or damage to the goods loaded on the vehicle, is a third party liability for compensation。 If both parties to the collision are covered by insurance, the losses of both parties shall be treated as third party liability insurance。 If the insurance vehicle crashed into a third party's vehicle or other property, generally must be subject to the insurer for investigation, photography, identification of economic losses, can be dealt with。
How to deal with the responsibility of loading and unloading of goods?
The personal injury or property loss caused by an accident of an insurance vehicle in loading and unloading of goods shall not be the responsibility of a third party。 But in the case of not illegal, insurance vehicle load of goods, in the process of driving the collision of pedestrians or damage to property of others, according to the third party liability compensation。
What is the limit of compensation?
The third party liability of motor vehicle insurance, generally do not stipulate the compensation limit。 Usually in the event of a third party liability accident, the insurer in accordance with the provisions of the public security, traffic department or compensation award, after the insurer approved the amount of compensation。
Pay attention to the insurance coverage of 5 w 10 w
Insurance considerations
What should be paid attention to in insurance
First, don't repeat insurance
Some policyholders think that a few more insurance, can make the insured vehicle more than a few compensation。 In accordance with the provisions of article 40 of the insurance law, " the sum of the amount of compensation for the insurer of the duplicate insurance vehicle shall not exceed the insured value。 " therefore, even if the applicant repeatedly insured, also won't get super value compensation。
Two, don't over - insured or not fully insured
Some car owners, clearly worth 100,000 yuan, but insured 150,000 yuan of insurance, think more money can pay more。 And some cars worth 200,000 yuan, but insured 100,000 yuan。 Neither insurance can be effectively guaranteed。 According to the " insurance law" thirty-ninth provisions: " the amount of insurance shall not exceed the value of insurance, more than the value of insurance, more than part of the invalid。 If the insurance amount is lower than the insurance value, unless otherwise agreed in the contract, the insurer shall bear the liability for compensation in accordance with the proportion of the insurance amount and the insurance value。 " therefore, over - and under-insured will not be able to obtain additional benefits。
Iii. insurance should be preserved
Some owners in order to save premium, want to protect several kinds of insurance, less or only car damage insurance, not a third party liability insurance, or only the main insurance, not additional insurance, etc。 In fact, each insurance has its own insurance liability, if the vehicle really had an accident, the insurance company can only be based on the original insurance contract to bear the insurance liability to pay, and the owner of some other losses may not be compensated。
Iv. timely renewal
Some owners after the expiration of the insurance contract can not be renewed in a timely manner, but the weather is unpredictable, one thousand vehicles in this several days out of the accident, is it not too late to regret。
Five, to carefully review the insurance documents
When you receive the insurance documents, be sure to carefully check, see if the third document using white carbon-free carbon paper printing and printing light brown anti-counterfeit shading, the upper left corner is printed " China insurance regulatory commission producer", the upper right corner is printed with the words " limited to xx province ( city, autonomous region ) sales", if there is no can refuse to sign the bill。
Six, pay attention to the authenticity of the audit agent
Insurance to choose the state approved by the insurance company's institutions to insure, and not only to save trouble to find an insurance agency to insure, more can't be lured by the so-called " high return", only small profits and false agent when。
Vii. verification of policies
After completing the insurance formalities to get the original policy, to timely check the items listed on the policy such as license plate number, engine number, etc., if there is any error, should immediately put forward correction。
Eight, carry insurance card
Insurance card should be carried with the car, in the event of an accident, should immediately notify the insurance company and report to the traffic management department。
Ix. early renewal
Remember the deadline for insurance and renew it in advance。
Ten, pay attention to moheng " cheat compensate" trick
There are a very few people, always want to take insurance as a shortcut to get rich, such as some first out of the insurance, some artificially create a risk accident, some forged, altered, add repair, medical invoices and proof, these belong to the scope of fraud and compensation, is a violation of the law。 So you car owners in these issues, don't play small " smart"。
Insurance techniques
First, the amount of insurance for vehicles to be determined according to the purchase price of new cars。 The amount of vehicle loss insurance, can be determined according to the insured value of the new car or the actual value。 But pay attention to the insurance amount shall not exceed the value of the vehicle, because the excess is invalid。
Two, the driver passenger accident injury insurance, according to the use of insurance for one seat or a few seats, if more than 2 seats, all five seats are more cost - effective。
Three, third party liability insurance has 50 thousand yuan, 100 thousand yuan, 200 thousand yuan, 500 thousand yuan and 1 million yuan five grades, the premium is 1040 yuan, 1300 yuan, 1500 yuan, 1730 yuan, 1820 yuan, respectively。 In general, 100 thousand yuan is more appropriate, the general accident can cope with。
Four, self-combustion insurance is the guarantee for the loss caused by spontaneous combustion of vehicles due to oil or circuit reasons。 But car spontaneous combustion accident is very rare, so the necessity of insurance is not big。
Five, the old car rescue and car damage insurance, the actual value of the insured vehicle according to the purchase price of new cars MINUS depreciation to determine, generally ten thousandths of depreciation per year。
Six, in order to avoid being misled, the content of the insurance salesman said, especially for your benefit, you can let him point out that the content in the terms of the insurance clause which paragraph, seeing is believing。
Seven, if the insurance business personnel to make some commitments to you, be sure to implement to the text, or in the terms of the express provisions or in the insurance policy specified in the special provisions of the column, otherwise in the future once the dispute, you are difficult to obtain evidence。
Eight, finally, you can compare the differences in the terms of each company, the basic principle is: " insurance liability" the more the better, " liability exemption" and " the insured, the insured obligations" the less the better, the higher the amount of compensation, the better, " free odds" the lower the better。 Then compare the corresponding rate, must be able to choose a satisfactory insurance。
Insurance claims procedure
1. general insurance claim procedure
In general, in the event of an insurance accident, you need to do the following:
Immediately notify the traffic public security department and protect the scene and report to the insurance company。 To assist the insurance company to survey, take photos and determine the damage of the vehicle。 Prepare the necessary documents and apply to the insurance company for compensation in a timely manner。 After the insurance company closed, as soon as possible to receive compensation。 To receive the insured and the withdrawal of id card。
2, crash how to claim insurance vehicle " collision" capsize" after the accident, should immediately protect the scene, to the accident occurred in the public security traffic management department report and notify the insurance company within 48 hours。 In conjunction with the insurance company and relevant personnel ( third party ) itemized cleaning, damage。 When you claim against the insurance company, you shall provide the original insurance policy, accident certificate, accident liability confirmation, accident mediation, judgment, loss list and relevant expense documents。 The insurance company shall be responsible for the compensation according to the proportion of the liability of the insured in the accident。
3, car stolen how to claim if your car unfortunately stolen or robbed, should be reported to the local public security department within 24 hours, at the same time inform the insurance company within 48 hours, and in the insurer designated newspaper newspaper statement。 To the public security organs to deal with such accidents department for the record。 To the insurance company claim, shall provide the original insurance policy, motor vehicle driving license, car purchase original invoice, vehicle purchase surcharge certificate, car keys, by the risk to the public security criminal investigation department at or above the county level issued proof of theft cases and vehicles have been reported to stop the formalities。 Here to remind you that it is best not to vehicle driving license, car purchase original invoice, vehicle purchase surcharge certificate on the car, once they are lost, you should not only open more complex proof, and each lack of a, increase 0. 5 % of the free, lack of car keys plus 5 % of the free odds, not only reduce the amount of compensation, and will be in receipt of compensation in a lot of trouble。 Illegal rescue closing speed to slow down, because the terms of the provisions, the insurance vehicle was stolen, confirmed by the public security criminal investigation department at or above the county level, full three months did not find out the whereabouts of the insurance company is responsible for compensation。
4, car out of danger in the field if your car out of danger in the field, also want to protect the scene, immediately to the local public security traffic management department and the insurance company in the local institutions to report and inform your insurance company within 48 hours, explain your policy, out of danger time, place, reason and after。 Underwriting companies are generally required to local companies on behalf of the survey, then you must pay attention to let the local company in accordance with the prescribed procedures, issued by the survey report, ask when and how these transferred to the underwriting company。 After returning to the resident to the insurance company to fill out the insurance notice and claim。
5, vehicle spontaneous combustion how to claim when your car due to the car electrical appliances, lines, oil supply system failure or carry goods own fire burning, you want to see if you have insured the vehicle self-combustion insurance, if you have insured the insurance, its claim formalities and vehicle collision, you just need to provide a local public security fire department of fire identification certificate。
6, injured a third party or car personnel injured how to claim if you are in the process of driving, accidentally caused casualties, or the car personnel injured。 Should promptly report to the public security traffic management department and the insurance company。 All expenses shall be paid by the insured prior to the completion of the accident。 However, since the terms provide that the insurer shall have the right to re-approve or refuse compensation for the amount of compensation promised or paid by the insured, it is advisable for you to obtain the consent of the insurance company before payment, so as to avoid any trouble in the claim。 The original of the insurance policy, the accident liability certificate issued by the public security traffic department, the accident mediation document and the certificate of disability, and all kinds of relevant expenses。 In accordance with the provisions of the " road traffic accident treatment measures" can be responsible for compensation of reasonable expenses: medical expenses, lost wages, nursing fees, medical transportation fees, hospitalization food subsidies, disabled living allowance, disabled appliances, funeral expenses, death compensation fees, dependents living expenses, etc ..。 Apply for the above fees, to provide the corresponding proof。 In case of any delay, the wage certificate of the injured person shall be provided; Cause the injured disabled, the need to provide disability identification, etc ..。 It should be noted, however, that the sum of these costs should not exceed the compensation limit。
7, the third party refused to compensate how to do if your car due to the responsibility of the third party collision, capsize, need the public security traffic management department to confirm the responsibility。 Then you must first claim against a third party。 If the third party fails to pay, you shall bring a lawsuit to the people's court。 After the people's court filing, a written request to the insurance company to compensate first, should provide the people's court to the insurance company filing certificate, the insurance company according to the insurance contract agreed to pay first。 You must also sign an assignment of interest, transfer part or all of the right to recover from a third party to the insurance company, and actively assist the insurance company to recover from a third party。 If you give up your claim against a third party and claim directly against the insurance company, the insurance company will not accept it。
Detailed explanation of " no compensation"
The implementation of non-compensation for the insured vehicles causing traffic accidents, that is, the insured person himself should bear the responsibility, this is in order to enhance the traffic safety responsibility of the insured and the driver。
China's traffic management department of ten traffic accidents according to the full responsibility, the main responsibility, half responsibility, secondary responsibility, no responsibility to determine the responsibility of both sides of the accident, the insurance company also to give different proportion of free compensation。
According to the responsibility of the driver of the insured vehicle in the accident, the vehicle loss insurance and the third party liability insurance shall be subject to absolute odds of exemption within the amount in accordance with the provisions of the compensation: 20 % of the total liability, 15 % of the main liability, 10 % of the same liability and 5 % of the minor liability。 The absolute free odds of unilateral accident is 20 %。
The exemption rate sets the deduction rate for compensation paid to drivers with different responsibilities。 In the provisions, the so-called unilateral accident refers to the accident does not involve third party damage compensation, but does not include accidents caused by natural disasters。
Insurance vehicles due to mechanical failure caused by the accident and the accident can not be traced by other parties, shall be regarded as a unilateral accident, should be deducted from the compensation of 20 %。
No compensation insurance premium preferential provisions:
A ) in the future, no accident preferential 10 % a year, no accident can be accumulated for many years, can reach a maximum of 30 %。
) even if the glass broken separately reparations, also does not affect the no compensation premium preferential。
C ) car loss insurance and third party liability insurance premium preferential independent calculation, do not affect each other。
Insurance case analysis
1. malicious damage
The insurance company does not compensate
Gejinsong: some customers have a small glass collapse, but in order to claim, the user simply will be all the glass。 To achieve the purpose of compensation。
Li zhongqiang: this kind of phenomenon has been encountered before, the glass was collapsed on a very small point。 Without affecting the appearance and use of the premise, the technology can be repaired now, and after repair, does not affect its use effect。 The effect should be replaced。
So we remind customers that after replacement, sealing is certainly not as good as the original car。 Despite the price factor, we don't encourage users to change easily。 If the customer breaks the glass for the purpose of the claim。 This kind of behavior belongs to the insurance fraud, the insurance company will refuse to compensate, serious also will pursue the legal responsibility of the parties。
Owner: the new sail stopped in the neighborhood for three days and was rowed one day。 This kind of situation also don't compensate？ What if something happens？
Li zhongqiang: in strict accordance with the provisions, it is not compensable。 There is a difference between being maliciously scratched and scraped in a community。 Experienced claimants can be distinguished。
Xu Feng: I feel the insurance company should pay for it, whether it's intentional scratch or not。 If delimit, the insurance company does not compensate, policyholders usually cleverly disguise, so that the insurance indemnity is more。 That's what I've seen。 The door was scratched, the insurance company that is malicious scratch, refused to compensate。 In a couple of days policyholders came again, the scratch is still there, and more than a cut Ceng traces, is likely to be found a corner Ceng。 To compensate will be six or seven hundred yuan。 This phenomenon is widespread。
Li zhongqiang: this kind of situation does exist, but on the one hand, it will bring unnecessary losses to the car, on the other hand, there are insurance fraud。
2, to 10 % discount or claim
Owner: his car rubbed a large piece of the nail cover, the area is not big but has exposed the primer。 The warranty period will soon be over a year, is to take a 10 % discount or claim？
Li zhongqiang: after going to claim, there will be no 10 % discount for renewal。 But each person's specific situation is different, in a different way。 Some people may not be very care about, don't claim。 Some owners are very careful, very care, go to the insurance company claim。 The original car after a long time of use, the paint will oxidize, such a small piece of injury, paint repair may be poor with the original paint color。
3, the vehicle cannot be repeated insurance
Owner: if my car is insured in two insurance companies at the same time, after the traffic accident, I both report the case, are both insurance companies compensate。
Li zhongqiang: property insurance cannot be covered repeatedly。 If the insured value in both companies is the same, after the risk at the same time to find two companies claim, each company will compensate 50 %。 Can't get an extra insurance compensation through insurance。 Because insurance is based on compensation, not profit。 And like this kind of situation operation also has a problem, the insurance company need the traffic team out of the responsibility of the book, repair documents are only one。 It is impossible for the owner to provide two identical originals。
4, how to claim the traffic accident
Owner: after a traffic accident, the insured to the insurance company report, most of the emphasis is on their own touch, their rights and responsibilities, in order to avoid wrangling with the other side of the insurance company, trouble。 For example: my car was rear - ended, so the back of the car bear full responsibility。 For the convenience of the claim, I said I hit it myself。 It doesn't matter if it's the same insurance company。
Li zhongqiang: at present, the responsibility of dealing with traffic accidents in China is involved。 In most cases, to distinguish responsibility, who is more responsibility, who bear the cost of more。 So the insurance company sometimes asked the owner to issue relevant accident certificate, in order to determine the responsibility。 So we want the owner to report the case truthfully。
Ge Jinsong: how to calculate the loss of a taxi when the user's car collides with the taxi？
Li zhongqiang: the traffic management bureau's " road traffic accident compensation standard" contains special provisions for compensation for the loss of operational vehicles。 There are standards for medical expenses, nutrition fees, nursing fees。
Reader: if my car turns into a ditch and doesn't travel properly。 After calling 122 alarm, the traffic team out of the crane and trailer, so who should pay for these costs？
Li zhongqiang: according to the terms and conditions, the rescue expenses agreed by the insurance company can be compensated。 But in order to reduce the cost of insurance companies will send trailers, cranes appear in the field。
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