Some issues that vehicle insurance claims should pay attention to

We want to buy insurance for our car. We hope that we can get some compensation when the car collides with it, so that it can play an insurance role. It is not a simple matter for an insurance company to make claims for dangerous vehicles. In order to successfully obtain claims, there are some problems that require attention. Specifically, the following aspects are included.

车辆保险理赔应该注意的一些问题_副本1.jpg

First, the situation where the vehicle collided. Vehicle collisions are the most common situations, but not all collision insurance companies will pay claims. In the case of third-party liability insurance, if the family is injured, because the insurance is in addition to the insured and the insured, the insurance company is not compensated. If the driver hits another person and is fully responsible, the insurer will not pay compensation if the court awards compensation for mental loss. If the vehicle owner is not the main responsibility in the loading accident, if you give up the right to claim a third party and claim directly from the insurance company, then the insurance company will not pay. After a collision accident occurs in a vehicle, it must be handled with care. It is necessary to combine the relevant provisions of the insurance company to determine what is within the scope of the claim. Otherwise, the insurance company will not compensate.

Second, the situation of vehicle loss. In the case of a vehicle stolen, you can find an insurance company to make a claim, but you need to pay attention to the method of handling. In order to successfully obtain compensation, you must ensure that your driver’s license, original purchase invoices, vehicle purchase surcharges, and other vouchers are all in place. Otherwise, the insurance company will have an absolute 0.5% deductible, and the car keys must not be lost, otherwise there will be 5% absolute deductible. In addition, pay attention to the location of the vehicle parked. If it is in the parking lot or other places where payment is paid, it must be kept well. Otherwise, if the vehicle is lost in these places, the insurance company is not responsible for the compensation. This is due to The custodian's mismanagement. If your vehicle has not gone through formalities during the lost car, then the insurance company will not make claims, and there will be cases where the vehicle is stolen due to civil disputes is not within the scope of the claim. In fact, the situation of the loss of vehicles is more complicated, so there is also a certain degree of difficulty in the settlement of claims. The insurance company will confirm the lost situation in detail.

Third, there are some issues that should be noted when claiming. To successfully obtain claims, you should prepare relevant documents and certificates, and ensure that your vehicle procedures are complete. For example, the license plate procedures have been completed, the annual inspections have been completed, and there are no adverse records. All penalty points have been dealt with. In short, the conditions for making claims to insurance companies are relatively large, and only when they are in compliance can they be compensated.


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