The car was hit, and the accident car could not be found. Will the car damage insurance pay for it?

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the clauses of insurance companies are obscure. This article teaches you how to deal with insurance companies in simple terms. (1) Car damage, third party, (2) Lost car, (3) Crash, (4) Detailed explanation of claim insurance clauses. (1)-Car damage, third party, let's talk about the most important car damage insurance and three liability insurance first. Car damage insurance and three liability insurance are the basic insurance of vehicle insurance, which mainly compensate the loss of the insured vehicle and the loss brought to the third party by the insured vehicle 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 to apply for compensation. Statement: Maybe the wall was loose due to the earthquake and finally fell down on a certain day (don't mention the accident during the earthquake). Case 2: If your car braked suddenly, something in the car flew to the windshield and caused the glass to break. What should you say? You honestly said to the insurance company, "My tissue box flew and hit the glass," "Wow" "You are miserable. The adjuster will point to his mouth and say, "Please look at my mouth-NO!" The correct way to deal with it: slightly change the facts. Statement of danger: A friend of mine who has practiced ironwork smashed the windshield while braking, ok! Remember, the insurance company won't pay for the damage caused by the impact of the items in the car! Case 3: If you collide with another car while towing, how to deal with it: Ignore some facts. Danger statement: Don't mention that you are towing the car or being towed by others, otherwise the insurance company will not compensate you regardless of whether you are responsible for the accident or not. Case 4: If you broke your glass in an accident and didn't take out glass insurance, would you claim compensation from the insurance company? Can you claim for compensation if you don't take the glass insurance? Ok, absolutely. The full name of the glass insurance is: glass breakage insurance refers to the glass damage caused by parking and use, and the glass damage caused by accidents should be paid by the car damage insurance. If you don't take the glass insurance, what should you do when you wake up in the morning and find that your car glass is broken by some bastard? Hehe, the old trick-it's caused by sudden braking while driving, and it's your head! (Remember to find a friend of similar height as a shield), if the glass on the side is broken, just say that you hit your head when you sideslip, hehe! Case 5: If your car breaks a small light when it crashes, what should you do? Find an insurance company, and he will never dare not compensate you, so you have made a profit. No, you probably have to pay for it. Don't you understand? Tell you, the total insurance for each car is about 2,5-5, (if the car is too good, you can calculate it yourself, because I'm not good at math). If you don't make a claim within one year's insurance period, you will get a 1% indemnity-free discount when you apply for insurance next year. You can calculate this account yourself. If the claim amount is too small, well, forget it. Detailed explanation of insurance clauses (2)-lost car I would like to give this document to friends who have lost their cars and may lose them! It is inevitable that people will have troubles when parking and using the vehicle. Among them, losing the vehicle is the worst thing. However, if you do as I say, your loss will be reduced to the lowest point. First of all, remember to see if there is any vehicle theft in your insurance policy. What, no? Well, you're unlucky. It's no use looking for my hanako. Buy another one. If you are involved in theft and emergency rescue, first of all, I want to congratulate you. Your loss can be minimized, but be careful! What you have to do at this moment is to keep your mouth shut and read my post in a down-to-earth manner, otherwise you will regret it! Case 1: It is stipulated in the theft rescue that the insured is absolutely free of compensation for each increase of% in driving license, original invoice for car purchase and certificate of vehicle purchase surcharge. The lost car keys will be increased by 5% without compensation. These regulations are printed in the lightest font in the insurance policy. If you don't believe me, you can take out the list and have a closer look. I'm sure you can find this passage in an inconspicuous corner. So whether you have ever lost a spare key, or have a key in your car that was driven 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 business repair shop, is the insurance company responsible for 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. Therefore, the correct way is to find a parking lot to claim for compensation. Therefore, remember to collect the parking fee receipt every time you park. Although it is printed with the loss, according to the provisions of 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 is owned by your friend, or you learn 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: Moreover, if you are a boss and have a falling out with your friend because of some account problems, and your friend is a villain, he stole your car secretly. Do you guess it will be him? Will you ask the insurance company for compensation? For your information, the insurance company is not responsible for compensation. Because the clause stipulates that the insured is exempted from liability if his vehicle is robbed or stolen due to civil and economic disputes with others. So, you can forget about your economic dispute and report it directly to the bureau. Remember, don't tell your suspect, or you will be involved in the economic problem. With the efficiency of the China court, you will have to take a taxi to go out in about six months! Case 5: If you just bought a new car and took full insurance, but didn't get a license in time (the current traffic control regulations: you can only get a license after 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 traffic management department, and the other is that it has passed the inspection by the traffic management department within the specified period. However, it is generally stipulated by special agreement that new vehicles that need to be insured before inspection and issuance of license plates can be responsible for car damage insurance and three liability insurance. Therefore, the burglary insurance that is responsible for the compensation for lost cars has not taken effect, and naturally, you will not be compensated. It seems that if you are not brave enough 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 the compensation, 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 the lost parts and accessories on the vehicle. If the insurance company has paid compensation, it should return the vehicle to you and recover the corresponding compensation. If you don't want to take back the original car, all the rights and interests of the car belong to the insurance company. Detailed explanation of insurance clauses (3)-Crash I would like to give this document to friends who have crashed and are likely to crash! As long as it is a crash, will the insurance company pay for it all? Of course not. You just need to look carefully at the exemption clause of the policy compensation in your hand. The insurance company has a lot of things that will not be compensated. If you want to minimize the loss, come to me, haha! Case 1: Suppose you are a novice. You just borrowed a car (or rented one, of course) and hit your brother while practicing on the road. You know that this car has three liability insurance. Will you claim compensation from the insurance company? Answer: If you go, you are a mental derangement, 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 gets involved, hehe) Then what is a third party? The third party refers to the victim under the vehicle, except the insurer and the insured, who suffers damage to the person or property under the insured vehicle due to the accident of the insured vehicle. Generally speaking, the third party is to exclude four kinds of people: the insurer, the insured, the driver and his family members when the accident happened, and the family members of the insured. Now I understand that as a driver at that time, the insurance company won't pay for the injury to your family. Well, you know what to do! What? Don't know yet? Angry with me, it would be over if another driver hit me. Really, it made me tell everything. Case 2: If you were lucky enough to hit someone with your car and it was all your fault, the court awarded you compensation for the economic loss, mental damage compensation and disability damages of the other party. What should you do with it? What else can you do? Just pay! Wrong! You should discuss with the other family, increase the compensation for economic losses and disability losses, and try to minimize the mental compensation. It would be better if there is no course. Why? You ask me why? This is not five horses for six sheep, man. You are wrong again. The insurance company does not unconditionally bear the' amount of compensation that the insured should pay according to law', but pays compensation in accordance with the Measures for Handling Road Traffic Accidents and the provisions of the insurance contract. The clause clearly stipulates that any compensation for mental damage caused by the insured accident is exempt from liability. Therefore, no matter whether the court decides whether the insured should compensate for mental loss, the insurance company is not responsible for compensation. Got it? Other insurance companies pay for you, regardless of mental loss, so I would rather give each other more money than promise mental compensation. In short, be generous with the insurance company, hehe! Case 3: If you are lucky enough to crash again, this time it is not your responsibility, and the other party doesn't 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. So, remember, remember, you must first find the other party to pay compensation, preferably with the proof that the court's enforcement failed, and then you can confidently find the 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 a fleeing criminal under the command of jc, and two cars collided as a result. That's a tragedy. Will the insurance company compensate him? Of course not. The insurance clause clearly States that 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, think about it before becoming a hero! Detailed explanation of insurance clauses (4)-claim ★ Insurance case 1: (You must read it because you may not have heard of it before. ) A friend of a well-known dx in the altar lost a car, and he was fully insured. He sought a claim from the insurance company, but failed. The reason for the insurance company's refusal to pay compensation: check with the vehicle management office, and 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 insurance contract provisions: insurance only takes effect for qualified vehicles, and vehicles that have not been inspected annually can only be regarded as unqualified vehicles. Even if you maintain them well, it will be useless. The result can only be a waste of money, insurance is also on the white, and at most, the cash value of insurance will be returned. Case conclusion: Your car must be inspected on time, and it must not be delayed. Otherwise, the fine will be small and the claim will be big. At this time, even if a traffic accident causes a third party loss, you will bear it yourself, and the insurance will be bought for nothing: (Case solution: annual inspection on time, even if it is one day, don't be late; If misfortune really happens, remember never to report it immediately, and spend money to complete the car inspection procedures as soon as possible before going through the claim reporting procedures! I'm sorry, I was dizzy just now. Did I say anything? It's also nonsense to say ★ Insurance Case 2: It is the same as the above. Please pay attention to what the driver did not do in the annual review. The insurance company is not responsible for compensation for all the problems that occur during your driving. The reason is similar to the above example, so I won't repeat it. ★ Insurance Case 3: This is a frequently asked question: My car has just been bought, but it hasn't been licensed yet. Is the insurance effective? Explanation: When the vehicle is in danger, the insured vehicle must meet two conditions. One is that the insured vehicle must have a driving license or license plate issued by the traffic management department, and the other is that it has passed the inspection by the traffic management department within the specified period. However, it is generally agreed that new vehicles that require insurance first and then inspection and issuance of license plates can be responsible for car damage insurance and three liability insurance. So, at this time, even if your car is lost, it will be unlucky, and it will be ok to have an insurance company to support you. Now it is clear! ★ Principles of insurance claim certification materials: (Because this question has been asked by N people, I will answer it here) There are several situations in the insurance claim. 1. If the accident is solved by the traffic team, the traffic team will issue a penalty sheet or mediation book, and if it is judged by the court, the judgment can be used. These materials are absolutely good, and the insurance company will definitely get a green light. Rest assured to claim for compensation. 2. Major accidents that occur in the community: that is, serious car damage, you still have to go to the traffic team to issue a certificate, which is very troublesome. Generally speaking, it is very troublesome to issue a certificate at the community property, because it is often suspected, so it is best to report the case to the city road, otherwise-it will tire you! 3. In case of 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: whether it involves a third party, such as compensation from a third party, or whether it needs to be proved by the traffic team. If the two sides of the accident end up on their own, you can indicate in the claim that the third party of the accident will repair itself, and then claim compensation according to the self-blame in the car damage insurance. If the insurance company asks you to open a certificate in the traffic team, you must bite it and say that there is no place to drive, and the insurance company will generally not be too serious. If you promise to open a certificate, don't blame me for not reminding you, just run, and the money you pay may be enough for gas! 4. If the person with the most back is hit by another car and the accident car escapes, it will be more troublesome if it is impossible to find out the serious situation. To solve it through the traffic team, the insurance company can claim compensation by subrogation. If it's not serious, it's best to blame yourself to solve the claim, and pay attention to whether the car body is stuck with the paint of the other car and the direction of the collision, so you must justify yourself, otherwise you'll be miserable! Finally, I would like to remind you dx: When reporting a case, you must report it within 48 hours, otherwise you may be directly refused compensation! Remember, remember, if you are not within 48, you should say 48.