I just bought a new car and bought all insurance. What should I do if I encounter something in the future? I don't know much about auto insurance. I hope to have a detailed answer.

Friends who have cars must have bought auto insurance. But now the insurance clauses of insurance companies are full of traps!

Today, I published a document to expose the traps and doubts in the terms of insurance companies. If you get anything after reading it, please help me!

Including more than n dangerous cases, it has practical guiding significance and hopes to help everyone.

The clearest explanation, the only insurance clause that ordinary people can understand.

(a) car damage, the third party

(2) Lost cars

(3) Crash

4. Claims

Detailed insurance clauses (1)- car damage, third party

Let's talk about the main insurance, car damage insurance and three liability insurance first.

Car damage insurance and three liability insurance are the basic types of vehicle insurance, which mainly compensate the loss of the insured vehicle and the loss caused by the insured vehicle to the third party in use!

You probably think that even if the vehicle is damaged by natural disasters, the insurance company will pay for it!

That's half right. Most of the losses caused by natural disasters are compensated, except for one thing-earthquake!

★★★★ Case 1: If your car is lucky enough to be hit by a building in the earthquake, haha.

How to deal with it: wait a few days after the earthquake before applying for compensation.

Danger statement: It was probably because of the earthquake that the wall loosened and finally fell down on a certain day (don't mention danger in an earthquake).

★★★★ Case 2: If your car brakes suddenly, something in the car flies to the windshield and the glass breaks. What should you say?

You honestly said to the insurance company, "My tissue box flew and hit the glass." Wow. . . . . . "(Internal skill is high enough, hehe)"

You are in pain. . . . . . The regulator will point to his mouth and say, "Please look at my mouth-no! ! "

The correct answer is: change the facts a little.

Danger statement: A friend of mine who practiced Tiequan broke the windshield while braking, OK!

Remember, the insurance company will not compensate for the damage caused by the impact of the items in the car! !

★ Scenario 3: If there is a collision with another car while towing,

Coping method: ignore some facts.

Danger statement: don't mention that you are towing a vehicle or being towed by others, otherwise the insurance company will not compensate you whether you are responsible for the accident or not.

★ Case 4: If you broke the glass in the accident and didn't cover the glass insurance, would you claim compensation from the insurance company?

Can I claim for compensation if I don't have glass insurance? Yes, absolutely!

The full name of glass insurance is: glass breakage insurance refers to glass damage caused by parking and use, and glass damage caused by accidents should be paid by car damage insurance.

If there is no glass insurance, what should I do if I wake up in the morning and find that my car glass was broken by some bastard?

Ha ha, the old trick-(remember to find a friend of similar height as a shield. ) If the glass on the side is broken, it's said that you slipped and hit your head, huh?

★★★★★★ Case 5: Your car broke the small light when it crashed. What should you do?

If you go to the insurance company, he will never dare not pay you back. Did you make any money? You may have to pay it back.

I don't know to tell you, the total insurance for each car is about 2500-5000 (if the car is too good, you can do the math yourself because I'm not good at math). No claims will be paid during the one-year insurance period, and you can get a 10% discount when you apply for insurance next year. You can work out the account yourself. If the claim amount is too small, well, forget it. . . . . . . .

★★★★★★ Detailed explanation of insurance clauses (2)-Lost car

I want to send this document to friends who have lost their cars and may lose them!

People will inevitably encounter trouble when parking and using vehicles. Among them, losing a vehicle is the worst thing. However, if you do as I say, your loss will be at its lowest point.

Remember, once you lose your car, what's the first thing to do?

Call the police?

No! The car has been lost, and it is not easy to find it at once. You overestimate the ability of China JC. Think about how to reduce losses!

Reduce losses? It's not that easy. I lost my car. How can I reduce it?

First of all, remember to check whether there is any car theft on your insurance policy.

What? No? Then you are out of luck. Buy another one.

If you are involved in burglary, first of all, I want to congratulate you. Your loss can be minimized, but be careful! What you have to do now is to shut up and read my post in a down-to-earth manner, otherwise you will regret it!

Case 1: It was agreed in the burglary rescue that the insured lost his driving license, the original invoice for car purchase and the certificate of vehicle purchase surcharge increased by 0.5%, which was absolutely free of compensation. The lost car keys will be compensated by 5%. These regulations are printed in the lightest font on the insurance policy. If you don't believe me, you can take out the list and take a closer look. I believe you can find this passage in an inconspicuous corner.

So whether you have ever lost a spare key, or if there is a key in your car that has been taken away, please remember to forget it, otherwise. . . . . . You can resist the loss of 5% yourself!

Case 2: If your car is stolen in a toll parking lot or a repair shop, will the insurance company be responsible for the compensation?

The answer is: no compensation! ! Because the above-mentioned places are responsible for the custody of vehicles, during the custody period, if the vehicles are damaged or lost due to improper custody by the custodian, the custodian shall bear the responsibility. The insurance company is not responsible for compensation.

So the right thing to do is to claim for compensation in the parking lot. So remember to receive a parking fee receipt every time you stop. Although the loss is printed on it, according to the standard contract in China's contract law, this is a unilateral shirking of responsibility! Don't hesitate to sue him boldly, hehe, I have good news for you. Someone has won such a lawsuit, so according to the principle of retrospective case, future cases can be judged according to this case, haha!

Case 3: If the parking lot belongs to your friend, or you know from the side that the parking lot can't pay for your car at all, can you consider changing the location where you lost your car? Haha, I didn't say anything.

Case 4: Furthermore, if you are the boss and have a falling out with your friend because of some accounting problems, and your friend is a villain, he steals your car secretly. You guessed it would be him, would you ask the insurance company for compensation?

Tell you, the insurance company is not responsible for compensation. Because this clause stipulates that the insured shall be exempted from liability if his vehicle is robbed or stolen due to a civil or economic dispute with others.

So, you can forget about your economic dispute and report it directly to the public security bureau. Remember, don't tell your suspect, or you will get involved in economic problems. With the efficiency of China court, I will take a taxi out in about half a year!

Case 5: If you just bought a new car and are fully insured, but you don't get the license in time (current traffic control regulations: you can get the license within 15 working days after the car inspection), will the insurance company be responsible for compensation after the accident?

Not responsible for compensation. Because when out of danger, the insurance vehicle must meet two conditions, one is that the insurance vehicle must have a driving license or license plate issued by the public security traffic management department, and the other is that it has passed the inspection by the public security traffic management department within the prescribed time limit. However, it is generally agreed through special agreements that government departments can be responsible for car damage insurance and three liability insurance for new cars that need to be insured before issuing license plates. Therefore, the theft and rescue that is responsible for the loss of the car has not taken effect, and naturally it will not be compensated to you.

It seems that if you don't have enough courage to change the lost time, the newly bought car will be given away! I didn't say anything.

Case 6: If your car is recovered, how will the insurance company handle the compensation?

After the stolen insurance vehicle is recovered, if the insurance company has not paid for it, it should be returned to you. However, during the period when the whole vehicle is stolen, the insurance company is responsible for the reasonable expenses of repairing the damaged vehicle or missing parts on the vehicle. If the insurance company has paid, it should return the vehicle to you and recover the corresponding compensation. If you don't want to get the original car back, the ownership of the car will go to the insurance company.

Detailed explanation of insurance clauses (III)-Crash

I would like to send this article to friends who have collapsed and may collapse!

As long as it is a crash, will the insurance company pay for it in full? no

You just need to take a closer look at the exemption clause of the policy compensation in your hand. There are many things that insurance companies can't compensate. If you want to minimize the loss, come to me, haha!

Case 1: Suppose you are a novice. You just borrowed a car (or maybe a rented car) and ran into your brother while practicing on the road. You know this car has three liability insurances. Will you claim compensation from the insurance company?

Answer: If you go, you will be insane, and the insurance company will kick you out. Why?

First of all, you need to know what three liability insurance is, full name: third party liability insurance. (It doesn't matter if a third party intervenes, hehe)

Then what is a third party?

The third person refers to the victim who suffers personal or property damage under the insured vehicle due to the accident of the insured vehicle except the insurer and the insured. Generally speaking, the third party excludes four kinds of people: the insurer, the insured, the driver at the time of the accident and his family members, and the family members of the insured.

Now I understand that as a driver at that time, your injury insurance company will not pay for it. You know what to do!

What? Don't know yet? I am so angry. If a new driver hits me, it's over. Really, I say everything.

Case 2: If you are lucky enough to hit someone with your car, it is all your responsibility, and the court will award you compensation for the other party's economic loss, mental damage compensation and disability loss. . . . What are you going to do with it?

What else can I do? Just pay! No!

You should discuss with the other family, increase the compensation for economic losses and disability losses, and minimize the mental compensation. It would be better if there were no courses.

Why? You ask me why? Isn't this five horses for six sheep?

Dude, you're wrong again. The insurance company does not unconditionally and completely bear the' amount of compensation that the insured should pay according to law', but makes compensation in accordance with the Measures for Handling Road Traffic Accidents and the insurance contract. This clause clearly stipulates that any compensation for mental damage caused by an insured accident is exempt from liability. Therefore, regardless of whether the court decides that the insured should compensate for mental losses, the insurance company will not be liable for compensation.

I understand that other insurance companies will pay for you, regardless of mental loss, so I would rather give each other more money than promise mental compensation. In short, be generous to the insurance company, hehe!

Case 3: If you are lucky enough to crash again, it is not your responsibility this time. If the other party does not want to lose money, can you claim compensation from the insurance company?

Answer: Yes, but you have to claim from a third party before you can get compensation from the insurance company. If you give up the right to claim from a third party and claim directly from the insurance company, the insurance company will not compensate. Because you give up the right to claim compensation from a third party, you also give up the right to claim compensation from the insurance company.

Therefore, remember, remember, you must first seek compensation from the other party, and it is best to have proof of the failure of court enforcement, and then you can confidently find an insurance company. Let them clean up the rest of the mess, who let them charge you so much insurance every year!

Case 4: I remember that an unlucky driver ran into an escaped criminal under the command of JC, and two cars collided as a result. This is a tragedy. Will the insurance company compensate him?

Of course not. The insurance clause clearly stipulates that the driver's intentional behavior is not included in the compensation, and he can only repair the car himself:

So, if you don't have enough financial ability, think before you become a hero! !

Detailed explanation of insurance clauses (4)- Claim

★ Insurance cases must be read, because you may not have heard of them before. )

A well-known DX friend at the altar lost a car, all risks. He sought compensation from the insurance company, but failed. The reason why the insurance company refused to pay compensation was to go to the vehicle management office for verification. This car has not been inspected annually.

Case analysis: What the insurance company has done is very reasonable, and it is also based on the provisions of the insurance contract: insurance only takes effect for qualified vehicles, and vehicles that have not been inspected annually can only be regarded as unqualified vehicles. No matter how well you maintain it, it's useless. The result can only be a waste of money, and the insurance will be wasted, and the cash value of the insurance will be returned at most.

Case conclusion: Your car must be inspected on time and must not be delayed. Otherwise, the fine is small and the visa refusal is large. At this time, even if the traffic accident causes losses to a third party, you will bear it yourself and buy it for free.

Case solution: annual inspection on time, even for one day, not late;

If misfortune really happens, remember not to report it immediately, and spend money to complete the car inspection procedure as soon as possible before going through the claim reporting procedure!

Sorry, I just fainted. Did I say something? It's nonsense to say it.

★ Insurance Case 2:

Same as above, please pay attention to what the driver didn't do in the annual review. The insurance company is not responsible for compensating you for all the problems that occur during driving. The reason is similar to the above example, so I won't go into details.

★ Insurance Case 3:

This is a frequently asked question: the car just bought has not been licensed yet. Is the insurance in effect?

Explanation:

When the vehicle is in danger, the insured vehicle must meet two conditions. First, the insurance vehicle must have a driving license or license plate issued by the public security traffic management department. Second, it must pass the inspection of the public security traffic management department within the prescribed time limit.

However, it is generally believed that new cars that need to be insured before inspection and license issuance can be responsible for car damage insurance and three liability insurance.

Therefore, at this time, if you lose your car, you will be unlucky. If you hit someone, it will be ok if you have the support of the insurance company. Is that clear now?

★ Principles of insurance claim proof materials Because this question has been asked by N people, I will answer it here. )

Several situations of insurance claim

1, the accident was solved by the traffic team.

The traffic team should issue a penalty sheet or a mediation book. If it is a court decision, the judgment can be used.

These materials are absolutely good, and the insurance company will definitely give the green light. Don't worry, claim.

2. There was an accident in the community.

Major accident: even if the car is seriously damaged, it is very troublesome to get the license from the traffic team.

Generally, it is more troublesome to open a certificate in a residential property because it is often suspected.

So you'd better report to the Times on the way to the city, or you'll be exhausted!

3. Minor accidents on the road, including rubbing when parking.

(DX happens most frequently in this kind of accident altar)

The principle to be proved is: Does it involve a third party?

If it involves third-party compensation, it still needs the certificate of the traffic team.

If the two parties to the accident end up by themselves, it can be indicated in the claim that the third party will repair the accident by itself, and then the claim can be made according to the self-pity in the car damage insurance. If the insurance company asks you to open a certificate in the traffic team, you must bite and say that there is no place to open it. Insurance companies generally don't take it too seriously. If you promise to open the certificate, don't blame me for not reminding you, run quickly, and the money you pay can be worth the gas!

4, the most back person

If it is hit by another car, the accident car escapes and can't be found.

If the situation is serious, it will be more troublesome, which will be solved by the traffic team and the insurance company can recover the money on its behalf.

If it's not serious, you'd better blame yourself for settling the claim, pay attention to whether the paint of the other car is stuck on the car body, and the direction of the collision must be justified, otherwise it will be miserable!

Finally, remind you DX: You must report the case within 48 hours, otherwise you may directly refuse to pay compensation! ! Remember, remember, if it's not within 48, say 48!

★ What other procedures are needed? Take a look at it yourself and do what you need!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.