Click here to enter and view the carefully selected Taobao shops for women's clothing. Taobao excellent shop selection: KFC online ordering at half price. Preface: Many car owners still have limited knowledge about auto insurance, only dealing with it after an accident. As outsiders, car owners cannot fully understand the depth of auto insurance. So, how can they become the maximum beneficiaries? Don't worry, many experienced car owners have already summarized their insights for us. We just need to read and collect them for future reference. Moreover, this is a clause that ordinary car owners can understand, ensuring you have a deeper understanding of auto insurance and claims, getting the last drop of blood from the insurance company! Who says it isn't? Buying insurance is all about saving money and being worry-free!
Detailed interpretation of insurance clauses (Part 1): Vehicle Damage Insurance vs Third Party Liability Insurance
We first discuss the most important vehicle damage insurance and third-party liability insurance. Vehicle damage insurance and third-party liability insurance are basic vehicle insurances, mainly compensating for the loss of the insured vehicle as well as the loss caused by the insured vehicle to third parties during use.
You may think that even if the vehicle damage is caused by natural disasters, the insurance company will still compensate without fail! This is only half true. Most losses caused by natural disasters are compensated, except one - earthquakes!
Case 1: If your car is unfortunately hit by a building during an earthquake, haha...
Response strategy: Do not rush to apply for compensation immediately after the earthquake stops. Apply for compensation a few days after the earthquake.
Claim statement: Roughly because the earthquake caused the wall to loosen, it finally fell down on a certain day, damaging your beloved car. Remember: never mention escaping during the earthquake.
Case 2: If your beloved car causes glass breakage due to items flying onto the windshield during an emergency brake, what would you say?
If you honestly tell the insurance company: "My tissue box flew up and hit the glass..." (Wow! Your inner strength is quite high, haha. I'm just using the tissue box as an example to make a joke.) Then you're in trouble! The claims adjuster will point to his mouth and say to you: "Please look at my lips - NO!"
Response strategy: Make a small change to the facts...
Claim statement: A friend of mine who practiced iron head skills broke the windshield during braking, OK! Remember: Losses caused by impacts from items inside the car are not compensated by the insurance company. However, damages caused by people are treated differently.
Case 3: If your car collides with another car while towing, what should you do?
Response strategy: Ignore some existing facts...
Claim statement: Do not mention that you were towing a vehicle or being towed by someone else, otherwise, regardless of whether you are responsible for the accident, the insurance company will not compensate.
Case 4: If you break your own glass during an accident and do not have glass insurance, would you claim compensation from the insurance company?
Can you claim compensation without having glass insurance? Yes, absolutely yes! The full name of glass insurance is: Glass Separate Breakage Insurance, which refers to glass damage caused during parking and use. Glass damage caused by accidents should be compensated by the vehicle damage insurance.
If you don't have glass insurance and wake up one morning to find that your car glass has been broken by some unknown person, what should you do?? Haha, old trick: Caused by sudden braking while driving, again, it's the head's fault! (Remember to find a friend of similar height to be your scapegoat), if the side glass is broken, just say it was hit by your head during a slide, haha!
Case 5: If your car breaks a small light during a collision, what should you do?
Find the insurance company, they absolutely dare not refuse to compensate you, so do you think you've gained something? No, actually, you might lose out.
Not clear? Let me tell you, the full insurance premium for each car is roughly between 2500-5000 yuan (more expensive cars will be more costly). If you do not make any claims within the one-year insurance period, you will receive a 10% no-claim discount when renewing your insurance next year. Do the math yourself; if the claim amount is too small, then it's better to let it go and enjoy the 10% discount instead.
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Detailed Interpretation of Insurance Clauses (Part 2)
Lost Car - How to minimize losses?
It's inevitable that vehicles will encounter annoying situations during parking and use, among which losing a car is the worst thing. However, if you follow my advice, your losses can be minimized.
Remember, once you lose your car, what is the first thing you should do? Report it to the police? Wrong! The car is already lost, it's not that easy to find it immediately, and you shouldn't overestimate the ability of Chinese police. Instead, think about how to reduce your losses!
Reduce losses? It's not that easy, the car is already lost, how can you reduce the loss? Don't forget, I'm here!!!
First, check if you have purchased vehicle theft insurance on your insurance policy. What? You haven't? Then accept your misfortune, there's nothing I can do for you, buy another one!
If you have theft insurance, first, I congratulate you, your losses can be minimized. But be careful! At this point, you need to close your mouth and read my post thoroughly, otherwise, you will definitely regret it!
Case 1: The theft insurance stipulates that losing the driving license, original purchase invoice, or vehicle purchase tax voucher increases the absolute deductible by 0.5% for each item. Losing the car key increases the absolute deductible by 5%. These rules are printed in the palest font on the insurance policy. If you take a closer look, you'll definitely find this passage in a corner that is not easily noticed.
So, whether you have lost a spare key before or if there was a key in the car that was driven away, remember to forget about it, otherwise...you'll have to bear the 5% loss yourself!
Case 2: If your car is stolen in a paid parking lot or a commercial repair shop, will the insurance company compensate?
The answer is: No compensation! Because these places have custody responsibilities for the vehicle. During the custody period, if the vehicle is damaged or lost due to poor custody by the custodian, the custodian is responsible. The insurance company does not assume responsibility for compensation.
So the correct method is to seek compensation from the parking lot. Therefore, always keep the parking fee receipt when parking. Although it says "no responsibility for loss," according to the provisions of China's Contract Law regarding standard contracts, this falls under unilateral exemption of responsibility! You can confidently sue them, haha. Here's some good news, someone has already won such a lawsuit, so based on the principle of case precedent, future cases can be judged according to this example, hahaha!
Case 3: If the parking lot is run by your friend, or you hear indirectly that this parking lot is basically unable to compensate for your beloved car, can you consider changing the location where the car was lost? Haha, I didn't say anything, you figure it out yourself.
Case 4: Again, if you are a boss and have a dispute over accounts with a friend, and your friend happens to be a bad guy who secretly steals your car, and you suspect it was him, would you claim compensation from the insurance company?
Let me tell you, the insurance company will not be responsible for compensation. According to the terms, the insurance company is exempt from liability for vehicles stolen or seized due to civil or economic disputes involving the insured.
Therefore, you can completely forget about your economic disputes and directly report the case to the police station and court. Remember, never reveal your suspected object, otherwise, the economic issues will be dragged into it. Given the efficiency of Chinese courts, you might have to take a taxi for half a year!
Case 5: If you just bought a new car, got full insurance, but did not have time to get the license plate (according to current traffic management regulations: 15 working days after the vehicle inspection, you can collect the license plate), will the insurance company be responsible for compensation after an accident?
No, the insurance company will not be responsible for compensation. Because at the time of the accident, the insured vehicle must meet two conditions: First, the insured vehicle must have a driving license or license plate issued by the public security traffic management department. Second, the vehicle must pass the inspection conducted by the public security traffic management department within the specified period. However, for newly registered vehicles that require insurance before inspection and issuance of license plates according to special agreements, the insurance company can cover vehicle damage insurance and third-party liability insurance. Therefore, the theft insurance responsible for lost vehicle compensation has not taken effect, naturally, you will not receive compensation.
It seems that if you don't pretend to change the time of loss, the newly bought car might as well be given away! I didn't say anything, right?
Case 6: If your car returns intact, how will the insurance company handle the compensation?
If the stolen or robbed vehicle is found and the insurance company has not yet compensated, the vehicle should be returned to you. However, any reasonable costs for repairing the vehicle or replacing missing components and accessories during the period of theft or robbery will be covered by the insurance company. If the insurance company has already compensated, the vehicle should be returned to you, and the corresponding compensation should be recovered. If you do not want to reclaim the original vehicle, all rights to the vehicle belong to the insurance company.
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Detailed Interpretation of Insurance Clauses (Part 3)
Car Collision
As long as there is a car collision, will the insurance company compensate everything? Of course not! Just carefully examine the exemption clauses in your insurance policy, and you'll find a bunch of things the insurance company doesn't compensate for. Want to minimize your losses? Come to me, ha ha!
Case 1: Suppose you are a new driver, just borrowed a car (or rented one), practicing driving on the road, and accidentally hit your younger brother. You know this car has third-party liability insurance. Would you claim compensation from the insurance company?
Answer: If you do, you're crazy! The insurance company will kick you out. Why??
First, you need to know what third-party liability insurance is. Full name: Third-Party Liability Insurance.
What is a third party?
A third party refers to anyone other than the insurer and the insured who suffers injury or property damage due to an unexpected accident involving the insured vehicle. In simpler terms, a third party excludes four types of people: the insurer, the insured, the driver of the insured vehicle at the time of the accident and their family members, and the family members of the insured.
Now you understand, as the driver at the time, hitting your family member means the insurance company will not compensate. Now you know what to do! What? Still don't know? You're killing me! Just change the driver who caused the accident, that's all, really, making me spill the beans!
Case 2: If you're lucky enough to hit someone while driving, and it's entirely your fault, the court orders you to compensate for economic losses, mental anguish, and disability losses... How should you handle it??
Answer: Give the money, right?
Wrong! Big mistake!
You should negotiate with the victim's family, increase the economic loss compensation and disability loss compensation, and try to minimize the mental anguish compensation as much as possible, ideally eliminating it altogether.
Why? You ask why? Isn't it like trading five horses for six sheep?
Brother, you're wrong again. The insurance company does not unconditionally cover the entire "compensation amount that the insured is legally required to pay." Instead, it compensates according to the "Regulations on Handling Road Traffic Accidents" and the provisions of the insurance contract. The terms clearly state that any compensation related to mental distress caused by the insurance incident is excluded from coverage. Therefore, regardless of whether the court rules that the insured should compensate for mental anguish, the insurance company is not responsible for such compensation.
Understood?? Other losses will be covered by the insurance company, but mental anguish is not included, so it's better to give the victim a little more money rather than agree to mental anguish compensation. In short, be generous with the insurance company's money, haha!
Case 3: If you happen to collide with another car again, this time it's not your fault, and the other party refuses to compensate, can you claim compensation from the insurance company?
Answer: Yes, but you must first seek compensation from the third party before you can possibly receive compensation from the insurance company. If you waive your right to claim compensation from the third party and directly claim from the insurance company, the insurance company will not compensate. This is because by waiving your right to pursue compensation from the third party, you also waive your right to claim compensation from the insurance company.
So, remember, remember, you must first seek compensation from the other party, preferably with proof of unsuccessful enforcement by the court, then you can legitimately approach the insurance company. Let them clean up the mess, after all, they charge you so much in premiums every year!
Case 4: Remember, there was once an unlucky driver who, under the direction of the police, helped stop a fleeing criminal by crashing into them, resulting in a terrible collision between the two cars. Will the insurance company compensate him?
Of course not, the insurance terms clearly state that the driver's "intentional actions" are not covered, so he has to fix the car himself:
So, if you don't have sufficient financial capability, think twice before playing the hero!!
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Detailed Interpretation of Insurance Clauses (Part 4) Claim - Must Read, Because You May Not Have Heard Before
Insurance Case 1: A friend lost his beloved car, had full insurance, sought compensation from the insurance company, but failed. The insurance company refused compensation on the grounds: Checked at the vehicle administration office, the car had not passed the annual inspection.
Case Analysis: The actions of the insurance company are very reasonable and based on the insurance contract: Insurance only applies to qualified vehicles. Vehicles that have not undergone annual inspection are considered unqualified, no matter how well-maintained. The result can only be that the loss is in vain, and the insurance was purchased in vain, at most returning the cash value of the insurance.
Case Conclusion: Your beloved car must undergo timely annual inspections, and must not be delayed. Otherwise, fines are minor, but refusal of compensation is serious. If a traffic accident occurs causing third-party losses, you will have to bear the cost yourself, rendering the insurance useless!
Case Solution Measures: Timely annual inspections, even if it's just one day, do not delay. If an unfortunate event occurs, remember not to report it immediately. Quickly spend money to complete the vehicle inspection procedures before filing a claim with the insurance company!
Sorry, I just felt dizzy for a moment. I didn't say anything, right? If I did, it was nonsense.
Insurance Case 2: Similar to the above, drivers whose licenses have not been renewed should note that all problems encountered during driving will not be compensated by the insurance company. The reasons are similar to the previous example and will not be repeated here.
Insurance Case 3: This is a frequently asked question: My car is brand new and has not yet been registered. Is the insurance effective?
Explanation: When an accident occurs, the insured vehicle must meet two conditions: First, the insured vehicle must have a driving license or license plate issued by the public security traffic management department. Second, the vehicle must pass the inspection conducted by the public security traffic management department within the specified period.
However, generally speaking, for newly registered vehicles that require insurance before inspection and issuance of license plates according to special agreements, the insurance company can cover vehicle damage insurance and third-party liability insurance. Therefore, if your car is stolen at this time, you're lucky. If it hits someone, the insurance company will still partially cover it. Understand now?
★ Insurance Claim Documentation Principles: (Since many people have asked about this issue, I will address it comprehensively here.)
When making an insurance claim, several scenarios exist:
1. Accidents resolved through the traffic police:
The traffic police issue a penalty ticket or mediation letter. If resolved through the court, use the judgment document. These documents are relatively useful, ensuring smooth processing at the insurance company. Rest assured and proceed with the claim.
2. Accidents occurring within residential areas:
Major accidents: i.e., severe vehicle damage, still require proof from the traffic police, which can be cumbersome.
Minor scratches: Obtain proof from the residential property management. Since it is often questioned, it can also be troublesome.
Therefore, it's best to report the incident as happening on a city road; otherwise...you'll exhaust yourself!
3. Minor accidents on the road, including parking scratches:
The principle for requiring proof is: Does it involve a third party? If third-party compensation is involved, proof from the traffic police is still required.
If both parties settle the matter themselves, during the claim process, note: The third party repaired the vehicle themselves, then claim under the self-responsibility section of the vehicle damage insurance. If the insurance company asks you to obtain proof from the traffic police, hold firm and don't give in, saying there's nowhere to get it from. Normally, the insurance company won't be too picky. If you agree to obtain the proof, don't blame me for not warning you, you'll end up spending more on gas than the compensation!
4. The unluckiest people:
If hit by another car and the offending car flees, making it impossible to find. Serious cases require resolution through the traffic police, allowing the insurance company to pursue compensation on your behalf.
For less serious cases, it's best to handle the claim under self-responsibility. Also, during the claim process, pay attention to whether the body of your car has paint from the other car and the direction of the collision, ensuring your story is consistent, otherwise you're in trouble!
Final Reminder: Always report the incident within 48 hours, otherwise, you may be directly denied compensation!! Remember, remember, even if it's beyond 48 hours, still claim it happened within 48!
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