In March 2007, 80% of a new Honda Accord 2.4 vehicle of Mr. Hu in Guangzhou was stolen at night. After reporting the incident, he entered the claim settlement process. At that time, he did not expect to insure 200,000 yuan of insurance and cost nearly 8 In a month, after numerous negotiations with the insurance company, the actual claim was settled, but only 123,280 yuan was received. Mr. Hu refused to accept the case and sued the other party in the District People's Court. After waiting for a few months, the court ruled that Mr. Hu lost the case on March 29, 2008. Mr. Hu was very dissatisfied and lodged an appeal. He is now waiting for a new trial by the Guangzhou Intermediate Court.
After studying the case carefully, I found that Mr. Hu’s encounter was not accidental. Almost all other car owners were trapped by the insurance company in the established contract trap, especially those small insurance companies in terms of the design of the clauses and the procedures for claims. More effort is spent setting up traps. Based on this case, I will summarize the six traps to remind all car owners, and hope that all car owners will reprint and appeal so that the National Insurance Regulatory Commission can regulate this.
1. Trap 1: The blind eye method
Many car owners insure the car at the price of 200,000 yuan when they are insured, and the insurer also tells you that you can indemnify up to 200,000 yuan. In fact, that is the trick of the insurance company. Most car owners confuse the price at this price. The insured amount has been insured, and I thought it would be worth 200,000 yuan if I lost it. I seldom pay attention to the following details. The insurance company wants this effect.
Please open your eyes and see and understand:
200,000 is the highest compensation that can be obtained when the vehicle is damaged and repaired, not the one that can be obtained after it is stolen. The maximum compensation that can be obtained
In March 2007, 80% of a new Honda Accord 2.4 vehicle of Mr. Hu in Guangzhou was stolen at night. After reporting the incident, he entered the claim settlement process. At that time, he did not expect to insure 200,000 yuan of insurance and cost nearly 8 In a month, after numerous negotiations with the insurance company, the actual claim was settled, but only 123,280 yuan was received. Mr. Hu refused to accept the case and sued the other party in the District People's Court. After waiting for a few months, the court ruled that Mr. Hu lost the case on March 29, 2008. Mr. Hu was very dissatisfied and lodged an appeal. He is now waiting for a new trial by the Guangzhou Intermediate Court.
After studying the case carefully, I found that Mr. Hu’s encounter was not accidental. Almost all other car owners were trapped by the insurance company in the established contract trap, especially those small insurance companies in terms of the design of the clauses and the procedures for claims. More effort is spent setting up traps. Based on this case, I will summarize the six traps to remind all car owners, and hope that all car owners will reprint and appeal so that the National Insurance Regulatory Commission can regulate this.
1. Trap 1: The blind eye method
Many car owners insure the car at the price of 200,000 yuan when they are insured, and the insurer also tells you that you can indemnify up to 200,000 yuan. In fact, that is the trick of the insurance company. Most car owners confuse the price at this price. The insured amount has been insured, and I thought it would be worth 200,000 yuan if I lost it. I seldom pay attention to the following details. The insurance company wants this effect.
Please open your eyes and see and understand:
200,000 is the highest compensation that can be obtained when the vehicle is damaged and repaired, not the one that can be obtained after it is stolen. The maximum compensation that can be obtained is only 134,000 yuan in one of the following items.
Let’s talk about a car damage of 200,000 yuan. The probability of repairing 200,000 yuan within a year (if your car price is 200,000 yuan) is almost zero. You need to continue to break the car within a year (not yet If you do it deliberately, it can’t be the responsibility of others to do it). How many times do you have to do damages based on an average of 3,000 yuan each time you damage the car? Note that according to Article 39 of the contract provided by an insurance company: "The deductible rate will increase by 5% each time starting from the fourth time." ). Is there a mathematics expert who is proficient in power and logarithmic calculations, calculate and fill in the answer: N= times!
Where in the world is there such a fairy who can crash his car so many times in a year?
A car owner said: Then I don’t have to suffer so many car damages.
The answer is: No! Can not!
Why? Let's look at trap two.
2. Trap 2: Overlord's ratio: car damage insurance is much higher than thief insurance
According to the regulations of most insurance companies: the car damage insurance coverage shall not be less than the theft insurance coverage, that is, if the robbery grabs 134,000 yuan, the car damage insurance coverage must also be at least 134,000 yuan. If you just want to get a car damage insurance of 50,000 yuan, I'm sorry, no one will cover you, and see who is smarter. This is still the practice of a large insurance company like Ping An, and the practice of an insurance company that damaged 200,000 yuan and only robbed 134,000 yuan, according to some major insurance companies, is a typical immoral practice of deceiving car owners. This Mr. Hu was punished by this unscrupulous insurance company.
Dear car owners: Please take a look at your contract as soon as possible, if any, if you have been fooled, please give everyone a breather.
3. Trap 3: Eliminate the danger
Don't think that you are insured. If you report a problem to the insurance company, he will definitely compensate you. There are many situations that will not be compensated. For example: If your car door is broken, as long as it is not stolen, I'm sorry, it won't be compensated. There are still many things not to be compensated, and you should study them carefully.
Some car owners thought: If you don't pay, then you can admit your bad luck. Who makes you fail to pay attention to signing the contract.
Sorry, it’s not enough just to admit that you are unlucky. You have to remember to make another phone call and make a clear statement to erase the risk record you just reported. Otherwise, if you encounter an insurance company like China United This time will be counted as one time, if you get out of danger next time, huh! If it is enough for three times, 5% will be deducted! There is one other thing to note, you must call to eliminate it yourself, and finally reconfirm in advance. Don’t let the insurer eliminate it on your behalf. If he forgets or resigns and there is no proof by that time, it is your fault. Caused it.
![Six traps of car insurance, you still don’t know the traps[汽车保险知识]](/view/img/nopic.png)
