Today, I published a document to expose the traps and doubts in the terms of insurance companies. If you get anything after reading it, please help me!
Including more than n dangerous cases, it has practical guiding significance and hopes to help everyone.
The clearest explanation, the only insurance clause that ordinary people can understand.
(a) car damage, the third party
(2) Lost cars
(3) Crash
4. Claims
Detailed insurance clauses (1)- car damage, third party
Let's talk about the main insurance, car damage insurance and three liability insurance first.
Car damage insurance and three liability insurance are the basic types of vehicle insurance, which mainly compensate the loss of the insured vehicle and the loss caused by the insured vehicle to the third party in use!
You probably think that even if the vehicle is damaged by natural disasters, the insurance company will pay for it!
That's half right. Most of the losses caused by natural disasters are compensated, except for one thing-earthquake!
Case 1: If your car is lucky enough to be hit by a building in the earthquake, haha.
How to deal with it: wait a few days after the earthquake before applying for compensation.
Danger statement: It was probably because of the earthquake that the wall loosened and finally fell down on a certain day (don't mention danger in an earthquake).
★★★★ Case 2: If your car brakes suddenly, something in the car flies to the windshield and the glass breaks. What should you say?
You honestly said to the insurance company, "My tissue box flew and hit the glass." Wow. . . . . . "(Internal skill is high enough, hehe)"
You are in pain. . . . . . The regulator will point to his mouth and say, "Please look at my mouth-no! ! "
The correct answer is: change the facts a little.
Danger statement: A friend of mine who practiced Tiequan broke the windshield while braking, OK!
Remember, the insurance company will not compensate for the damage caused by the impact of the items in the car! !
★ Scenario 3: If there is a collision with another car while towing,
Coping method: ignore some facts.
Danger statement: don't mention that you are towing a vehicle or being towed by others, otherwise the insurance company will not compensate you whether you are responsible for the accident or not.
★ Case 4: If you broke the glass in the accident and didn't cover the glass insurance, would you claim compensation from the insurance company?
Can I claim for compensation if I don't have glass insurance? Yes, absolutely!
The full name of glass insurance is: glass breakage insurance refers to glass damage caused by parking and use, and glass damage caused by accidents should be paid by car damage insurance.
If there is no glass insurance, what should I do if I wake up in the morning and find that my car glass was broken by some bastard?
Ha ha, the old trick-(remember to find a friend of similar height as a shield. ) If the glass on the side is broken, it's said that you slipped and hit your head, huh?
Case 5: What should you do if your car crashes and breaks a small light?
If you go to the insurance company, he will never dare not pay you back. Did you make any money? You may have to pay it back.
I don't know to tell you, the total insurance for each car is about 2500-5000 (if the car is too good, you can do the math yourself because I'm not good at math). No claims will be paid during the one-year insurance period, and you can get a 10% discount when you apply for insurance next year. You can work out the account yourself. If the claim amount is too small, well, forget it. . . . . . . .
★★★★★★ Detailed explanation of insurance clauses (2)-Lost car
I want to send this document to friends who have lost their cars and may lose them!
People will inevitably encounter trouble when parking and using vehicles. Among them, losing a vehicle is the worst thing. However, if you do as I say, your loss will be at its lowest point.
Remember, once you lose your car, what's the first thing to do?
Call the police?
No! The car has been lost, and it is not easy to find it at once. You overestimate the ability of China JC. Think about how to reduce losses!
Reduce losses? It's not that easy. I lost my car. How can I reduce it?
First of all, remember to check whether there is any car theft on your insurance policy.
What? No? Then you are out of luck. Buy another one.