【Owner's home car knowledge】For novices, these insurance matters should pay special attention. Let's take a look at the problem of accidents together, so that we will not be in a hurry when an accident occurs.
The car was scratched.Parked in the community at night, the vehicle was scratched, the vehicle involved in the accident is unknown. This is a scratch without a scene and should be covered by a separate scratch insurance, not included in the compensation of the main insurance. In the parking lot, if the vehicle is scratched maliciously, if it is a paid parking lot, the person in charge of the parking lot should compensate. If it is not a paid parking lot, it can be compensated by the insurance company.
Multiple cars rear-end.Due to the slippery road leading to a multi-vehicle rear-end collision, if the first car is not at fault, the damage to its vehicle should be borne by the latter car.
Consumable parts are damaged.Vulnerable parts such as car lights and glass are also important contents of additional insurance, so if they are damaged separately, they are not included in the main insurance compensation clause.
Improper operation will expand the loss.If the loss is enlarged due to improper operation, the enlarged part will not be compensated. For example, in rainy days, after the vehicle is turned off by flooding, the engine is re-ignited, causing serious damage to the engine. This is an extended loss caused by improper human operation, and the insurance company will not pay for it.
There are four steps in the claim process
Step 1: Reporting for insurance in time
Essentials:While protecting the scene, pay attention to the money on the car
After a traffic accident occurs, the scene should be properly protected, and the insurance company should report the case within 48 hours, truthfully state the accident process, and provide the insurance policy. When the insurance company's investigators come to the scene for investigation, they need to fill in the "Notice of Accident". Such as multi-party accidents or accidents involving personal injury or property damage should also be reported to the police.
The second step: survey and determine the damage
Essentials:If there is any objection during the negotiation process, it can be handed over to a third party for identification
After receiving the report, the insurance company will determine the damage of the vehicle, and negotiate with the insured to determine the repair labor and material costs. If no agreement can be reached, you can apply to the price department or insurance adjustment company for appraisal.
Step Three: Vehicle Repair
Essentials:You can choose familiar 4S shops and repair shops for repairs
Car owners can choose a repair shop with repair qualifications for repairs, or they can go to the insurance company's cooperative rescue point for repairs. The insurance company and the repair shop will jointly complete the loss appraisal work. The fixed damage repair of damaged vehicles shall be subject to restoration.
Step Four: Claim Submission
Essentials:The submitted information must be complete
After the vehicle is repaired, the customer should keep the repair invoice and provide other necessary materials to claim for compensation from the insurance company. If multiple parties are involved, the traffic police responsibility certificate and mediation letter should be provided; if personal injury accidents are involved, necessary certification documents such as the diagnosis certificate of the injured (hospital above the county level), treatment fee invoices, etc. should also be provided.
Special reminder to pay attention to four key words
Key words:timely
Report theft within 24 hours
According to the provisions of the insurance contract, after a traffic accident occurs, the first thing to do is to report it to the police in time. If the case is not reported to the insurance company within 48 hours (more than 24 hours for theft and robbery), the insurance company may not accept the case. For multi-party accidents or accidents involving personal injury or property damage, a report should also be made to the traffic police department. If there are seriously injured patients, they should be rescued in time.
Key words:aging
Submit claim documents as soon as possible
In particular, car owners are reminded to submit various claim documents to the insurance company's claim personnel as soon as possible. If the relevant materials are not submitted to the insurance company within 15 days after the mediation or court judgment takes effect, and if no claim is made to the insurance company within two years from the report, the insurance company will not accepted. If the formalities are complete and a consensus is reached, the insurance company shall close the case and make compensation within 10 days.
Key words:Range of rejection
Relevant terms should be noted
According to the relevant regulations, for driving under the influence of alcohol, driving without a license, driving without a valid driver's license, failing to pass the inspection or failing annual inspection, insured vehicles towing uninsured vehicles, traffic accidents, and insurance policies not being transferred after purchasing a second-hand car, etc. , the insurance company has the right to refuse compensation.
Key words:Additional risks
Pay attention to the scope of deductible
Additional insurance can only be purchased after purchasing the main insurance, and the liability for claims is also strictly delineated. Therefore, car enthusiasts should pay more attention to the deductible range when purchasing these types of insurance. Such as theft and rescue insurance, if only the parts or accessories on the car are stolen or damaged, but not the whole car is stolen, the insurance company will not pay. The independent glass breakage insurance only pays for the "single" breakage of the vehicle's glass during use, and does not pay for the separate breakage of the glass caused during the installation and maintenance of the vehicle.Car body scratch loss insurance Only for car body scratch loss without obvious collision marks, the insurance company is responsible for compensation
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