Now that car owners are becoming more and more aware of insurance, most car owners will take out a car insurance for their car. However, many car owners do not know how to make claims for accidents. Some car owners believe that as long as they have bought auto insurance, all accident losses should be compensated by the insurance company; some simply entrust the compensation to the repair shop, and it is not clear how much cost is incurred. These are caused by the car owner’s ignorance of the claim settlement process. Misunderstanding.
□Yang Weihong
Misunderstanding 1: Full compensation without deductible
When applying for insurance, many car owners will choose not to include deductible insurance in order to pass on the deductible ratio or deductible stipulated by the insurance company to the insurance company. Some car owners think that they can get full compensation if they take out insurance without deductible insurance. In fact, deductible insurance is not included in the insurance, and it is not always possible to obtain full claims.
In order to prevent "moral hazard", insurance companies will set separate deductibles for certain specific accidents. These deductibles are not included in the scope of exemption. In case of multiple accidents, over-range driving, incomplete claim documents, etc., the insurance company will deduct the deductible rate.
For accidents where a third party cannot be found, insurance companies usually think that it is difficult to objectively determine the actual accident liability of the owner of the car involved. The claim standard cannot take the owner's accident liability as a reference basis for compensation, so the insurance company has set a special deduction deduction. Rate. Because the deduction of the deductible does not involve the responsibility of the owner of the accident, it does not belong to the scope of the claim that does not include the special clause of the deductible, and the excluding the deductible insurance is not effective for the deductible of this type of accident.
In addition, excluding deductible insurance is an additional insurance, only for main insurance such as car damage insurance and third party liability insurance, and it does not work for additional insurance such as spontaneous combustion insurance and separate glass damage insurance. Pass it on to the insurance company. Therefore, policyholders must read the terms clearly and understand the scope of the non-deductible insurance they bought.
Misunderstanding 2: Take responsibility for accident at will
Some car owners think that the insurance company pays anyway, and the determination of liability in the accident is not important. When making a determination, some car owners are "not afraid" to take responsibility, which is very dangerous. Because the insurance company's claim is based on the liability confirmation issued by the traffic police.
For third-party liability insurance, insurance companies have formulated different compensation ratios according to the degree of responsibility the car owner bears. In the determination of responsibility, the car owner must clarify the responsibility, and must not bear the responsibility that is not his own. Remember not to "overwhelm" the responsibility to avoid future troubles.
Misunderstanding three: reimbursement after repair
Some private car owners do not report to the insurance company immediately after the vehicle is in danger. Instead, they first go to the repair shop and then the insurance company to reimburse the expenses after the car is repaired. In fact, this shows that they do not understand the general procedures for claim settlement.
As a matter of fact, you should call 110 to report the incident first, and get the accident liability confirmation issued by the traffic police, so that you can provide the police's relevant accident records in the future.
After the traffic police handle the accident, the car owner should report the case to the insurance company. The insurance company will send personnel to investigate and determine the damage, and then repair the vehicle, and finally submit the documents and compensation.
If the owner does not report the case to the insurance company to repair the vehicle first, the insurance company believes that the repair cost is higher than the cost of the damage at the time of claim settlement, and the difference may be borne by the owner himself. Therefore, repairing the car after determining the damage is to protect the insured's own interests.
Misunderstanding 4: Entrust a repair shop to settle claims
In order to avoid trouble, many car owners do not contact the insurance company directly after the accident, and entrust the claim settlement to a more familiar repair shop. Although this is quite simple, there are also considerable risks.
Some repair shops with small scale and poor qualifications often take advantage of the trust of customers, use cheap parts to repair them, and claim for high-priced parts from the insurance company, so that the repair shop can obtain the difference between the different parts. There are also some repair shops claim that they can help car owners to settle some accidents that do not meet the insurance company's claim conditions. The repair shop will let the car owner go through some "wrong ways" in order to achieve the purpose of compensation.
If this is verified by the insurance company, the car owner will not only have to bear the responsibility, but will also leave a bad record in the insurance company. Even if it is not discovered by the insurance company, the car owner will not get a discount on the rate due to the increase in accident records when the insurance is renewed.
(Dahe Newspaper)
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