With the development of science and technology and the continuous improvement of economic level, people's income is also increasing. In order to have a better quality of life, we will buy some things we feel necessary, necessary and economical. Cars have become an integral part of our daily life. But the car also needs our careful protection. Just like us, we will buy medical insurance. You can also buy maintenance insurance for the car. Next, let's learn about the insurance and maintenance of cars with Xiaobian!
Motor vehicle insurance, namely 'vehicle insurance', is a means of transportation insurance marked by motor vehicle itself and its third-party liability. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of insurance is mainly various types of cars, but it also includes special vehicles such as trams, battery cars and motorcycles.? Vehicle damage caused by traffic accident is not intentional and man-made. The insured vehicles are legal and have legal procedures. Secondly, it is necessary to call the police in time when an accident occurs, and the traffic police will issue an accident certificate, which will be effective if it is reported to the insurance personnel within 48 hours.? After the accident, first report to the traffic police, ask for the accident Certificate in time, and protect the scene. This is a very important step. There is no claim without the accident scene. The main purpose of re reporting to the insurance salesman is to let the applicant know that there is a traffic accident. On the other hand, ask the insurance professionals how to deal with it.? Drive the car or trailer to the accident loss determination center and find the insurance salesman to determine the accident loss. The salesman will take photos carefully and check the loss by taking photos. The salesman will issue a repair order, and issue the repair scope, project and repair time. He will also fill in some lists of accident process, the name of the reporter, the name of the driver and contact number, and prepare his ID card Insurance policy, driving license and driving license. The claim adjuster will inform you of all procedures one by one. The owner signed it.? Take the repair order and go to the repair point to repair the vehicle. If it is found that there are still places where the loss has not been determined, the insurance salesman will check the loss for the second time. Of course, this additional fee does not have to be paid by himself.
Can I use insurance when the car breaks down?
Insurance can only report accidents, not faults. Automobile insurance is a kind of property insurance,? The subject matter of insurance is the vehicle itself and the liability of the third party. It mainly protects the losses caused by traffic accidents. Motor vehicle insurance is also a means of transport insurance with the motor vehicle itself and its third-party liability as the insurance subject matter.? Six situations in which auto insurance does not compensate:? 1. No annual inspection? The insurance is only valid for qualified vehicles, and vehicles without annual inspection can only be regarded as unqualified vehicles. In this case, even if you buy insurance, it won't help.? 2. No annual review? If the driver has no annual review and the vehicle he drives is unqualified, the insurance company can refuse any claim according to the insurance contract. When an unlicensed vehicle is in danger, the insurance vehicle claims must meet two conditions: the insurance vehicle must have a driving license or number plate issued by the public security and traffic management department; Pass the inspection by the public security and traffic management department within the specified period. This is the reason why you can't get compensation for an accident on the way to collect a car purchased from another place.? 3. No fault? The insurance law stipulates that the insurance company can only pay compensation if it has the responsibility to identify it. Even if the insured has a certain fault, he must claim for compensation from the third party before he can get the compensation from the insurance company. Once you give up the right to recover from a third party, you also give up the right to claim compensation from the insurance company.? 4. Family? Generally speaking, the third party in the third party liability insurance is to exclude four kinds of people: the insurer, the insured, the driver and his family members in the event of an accident, and the family members of the insured.? 5. Toll parking? According to the regulations of the insurance company, the insurance company is not responsible for compensation for any vehicle stolen in the toll parking lot. Because the above places are responsible for the custody of vehicles, during the custody period, if the vehicles are damaged or lost due to the improper custody of the custodian, the custodian shall bear the responsibility. The insurance company is not responsible for compensation. Therefore, the insurance company does not care whether the car is lost or scratched.? 6. During maintenance? In a commercial repair shop, the repair shop shall be liable for vehicle damage or vehicle loss caused by maintenance and commissioning, and the insurance company shall not be liable for compensation.