Last week, a reader called the reporter,carWhy does the insurance company not compensate for losses caused by spontaneous combustion and wading? The reporter then went to the insurance company to confirm that some adjustments were made to the auto insurance clauses in April this year. The car owners may not have a detailed understanding of the clauses and ignore other additional insurances. This will result in some vehicles not being compensated smoothly. In fact, with a little care, these can be avoided.
Misunderstanding one
Taking additional insurance is a waste of money
According to Wang, the person in charge of the claims department of Hubei Yongan Insurance Company, the insurance regulations used now are slightly different from the previous ones. Before, there was only commercial insurance, but now compulsory traffic insurance and commercial insurance coexist. Many policyholders don't know much about this, so you should read the general terms and conditions of the China Insurance Regulatory Commission carefully when applying for insurance.
Mr. Wang said that if the regulations clearly stipulate that the vehicle will not be compensated for an accident, then the owner can insure an additional insurance according to the additional clauses when the insurance is insured, so that the corresponding compensation can be obtained if something goes wrong.
Experts remind: Some vehicle losses caused by natural disasters still have prerequisites for whether they can successfully obtain compensation. For example, if the vehicle spontaneously ignites during normal driving, it can be compensated, but it is not compensated for spontaneous combustion due to improper operation of the vehicle owner. Similarly, if the vehicle is soaked in water and the engine is flooded, it can be compensated, but if the owner knows that the engine is flooded and starts the machine, the damage caused will not be included in the claim.
Misunderstanding 2
Anyway, there is insurance, whatever you decide to do
The insurance company’s final basis for claim settlement is based on the liability determination issued by the statutory agency that assesses the liability, which is usually determined by the traffic police. Mr. Wang said that in this determination of responsibility, the car owner must clarify the responsibility, and must not bear the responsibility that is not his own, so as to avoid leaving problems.
He introduced such a case to reporters. In a traffic accident, both the car owner and the pedestrian were responsible. In order to quickly deal with the accident, the traffic police mediation hopes that the car owner will take full responsibility. The car owner accepts it anyway if he has insurance. But the injured later became cerebral palsy. The medical expenses were at least 400,000 yuan, but the insurance company only compensated 100,000 yuan. The remaining 300,000 yuan made the "full responsibility" driver dumbfounded.
Experts remind: Don’t think that the insurance company is responsible after the accident, just ignore the responsibility determination, especially don’t "overwhelm" the responsibility, this will easily bring about future troubles for yourself.
Misunderstanding three
I bought insurance, of course you have to cover it all
Consumers often like to enter a misunderstanding, thinking that if I buy insurance, I will have to pay full compensation if I have an accident. Mr. Wang said that according to the insurance regulations, not all accidents can be fully compensated.
It is understood that when the insured buys insurance, they usually only take out risky and compulsory insurance. Once a full liability claim occurs, the insurance will deduct a 20% excluding deductible rate, that is, only 80% will be lost, and the rest will belong to the insured. bear. Mr. Wang said that if the insured wants to receive full compensation, the only prerequisite is to purchase "exclusive deductible additional insurance."
Experts remind: Insurance is unpredictable. If you want to reduce risks, you can consider purchasing additional insurances without deductibles or other more types of insurance.
Misunderstanding four
Damaged parts, must be replaced
According to experts from insurance companies, in dealing with vehicle accidents, there has been a long-standing dispute between the insured and the insurance company, that is, whether the damaged parts should be repaired or replaced. Mr. Wang said that repairs are usually taken for the accident car, and the compensation is only the repair money.Assuming that the insured insists on replacing new parts, the difference in price shall be borne by himself, such as repairingbumperIt costs 300 yuan, and 800 yuan for another, the 500 yuan difference insurance company is not responsible for compensation.
When it comes to parts that really need to be replaced, insurance companies often formulate claims standards based on the average market price, rather than the prices of 4S stores.
Experts remind: In case of special circumstances and price discrepancies, you must contact the insurance company. At the same time, if there are any objections and requirements for maintenance, they must be raised at that time. If the problem is raised after the case is closed, the insurance company will also deny the account.
Source: China Auto Repair Network
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