The purchase of car insurance is an inevitable process to go through the formalities. But consumers often face when buying insurance that anything good to encounter a claim on any issue out, not that this will not do, how to effectively safeguard their own interests in a lot of know-how to buy insurance.
Case of a careful look at types of insurance
Mr. Mao complaints reflect: March 2003 he bought an Audi A6, and an insurance company for three years and three months of vehicle insurance and one-time payment of 3.7 million yuan. August 28, 2005, Mr. Mao Birang for pedestrians, reduce speed, accidentally let into a puddle in the road damaged. However, insurance claims rejected.
The results: After friendly consultations, the insurance company full compensation for maintenance costs of 97,415 yuan.
Comments on the industry: the insurance companies handle claims matters, need a variety of certificates and documents, and because of certain aspects of its insurance than consumers in a strong position, so insurance companies will certainly try to find loopholes in the contract rejected claims. Consumers should know when to take out insurance to buy their own insurance, detailed advice of an accident which can be compensated, and what circumstances can not be specified in insurance contracts, the sake of convenience when going through the motions, pay a lot of trouble when The. When insurance companies refused to claim, should consult a qualified professional third party to find the correct solution.
Case 2 paying more attention to the premium
Miss Meng consumers in September 2004 bought a car, then to the automobile dealers to pay the insurance premiums for five years, but the car in July this year after a car accident, Miss Meng is not only that dealers pay five years Insurance, and the dealers as early as the end of surrender in 2004, this request seek Miss Meng said.
The results: mediation, insurance companies continue to perform the contract, the case has been exposed to the public media.
Comments on the industry: Miss Meng at the crux of the problem lies with their own insurance plans you will be full to the vendor. As a fiscal common sense, consumers need with their insurance agents to establish contact, so in the event of an accident can be found in the fastest time for people to help themselves and secondly at the beginning or end of each year and insurance companies should be confirmed whether their insurance agents leave Replacement to ensure smooth communication. Pay the costs to protect their interests, or just give ourselves some trouble.
Vehicle claims should be noted Mian Peilv
The so-called Mianpei Shuai, is not compensable amount and the amount of the loss ratio. Mian Peilv into the relative and absolute Mian Peilv Mian Peilv two, the existing vehicle insurance is based on absolute Mianpei Shuai. Then, the existing motor vehicle insurance terms, which is not dangerous does Mian Peilv
1, vehicle insurance losses, a third-party liability insurance, insurance of vehicles in the loss or third party liability, in accordance with the basic provisions of Article 20 of the insurance, the insurance company under the insurance of vehicles driving in the accident in a responsible, in line with compensation The amount specified in the absolute Mian Peishuai: bear full responsibility for the Mianpei 20 percent, bear the main responsibility of Mianpei 15 percent, Mianpei bear equal responsibility of 10%, the negative secondary responsibility Mianpei 5 percent. Unilateral absolute Mian Peilv accident accidents was 20%.
2, vehicle insurance occurred within the scope of liability insurance losses by a third party should be responsible for compensation, is unable to find a third party, the insurance company for compensation, but in line with the provisions of the compensation within 5 percent of the absolute Mianpei Shuai.
Second, the whole Dao Qiangxian car insurance car full of stolen vehicles, robbery, snatch, the criminal investigation by the public security departments above county level file that did not identify the whereabouts of less than three months, according to the basic insurance Article 15, paragraph (a) of the Provisions (all losses: the insurance amount is higher than the actual value to Chuxian at the time of the actual value of the compensation insurance rates equal to or lower than the actual value, calculated according to the amount of insurance compensation) calculated the amount of compensation, and the exercise of 20% of the absolute Mianpei Rate.
3. insurance, automotive goods fell liability insurance, risk loss of spontaneous combustion
Whether the loss of all or part of their losses, each of compensation were implemented 20 percent of the absolute Mianpei Shuai.
Subscribe to:
Post Comments (Atom)
No comments:
Post a Comment