A third party was injured during Sister Mo's trip, and the insurance company settled the claim. Does Mojie need to pay extra?

If Sister Mo suffers losses due to the accident, she needs compensation. There is no loss and no extra cost. Mojie Travel is a shared car brand launched by FAW-Volkswagen Automobile Co., Ltd. At present, it adopts time-sharing mode, pays on demand and uses cars for free, and is committed to providing excellent travel services for users.

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1, Application Introduction

Mojie Travel is a shared car App, founded by FAW-Volkswagen Sales Co., Ltd. and commissioned by Beijing Bugs Yuexing Information Technology Co., Ltd.

2. Moje's travel expenses are as follows:

Mojie Travel Charge Mode: Time Fee+Mileage Fee

(1) Actual time cost of the vehicle in use.

From the moment when the user clicks "Start Ordering" in the "Mojie Travel" application, the calculation will begin until the car is returned successfully. The unit of measurement is 1 minute. If the lease period is less than 1 minute, the vehicle hour fee will be charged according to 1 minute.

(2) the mileage expenses actually incurred during the use of the vehicle.

From the moment when the user clicks "Start Ordering" in the "Mojie Travel" application, the calculation will begin until the car is returned successfully. The unit of measurement is 1 km, and the part less than 1 km shall be charged as 1 km.

③ Mojie Travel has a 24-hour maximum price limit.

Within 24 hours after the user's order starts, when the user's order price reaches the highest price, the time fee within 24 hours will not be charged, and the mileage fee will be charged normally, and the time fee will be charged again after 24 hours.

3. How to solve the unreasonable insurance claims?

If the parties feel that the insurance claim is unreasonable, there are two solutions:

(1) If there are repeated reasons for complaining to the insurance company, you can list the evidence and reasons first, and then go to the counter of the insurance company to complain and make suggestions to see if it can be resolved through consultation;

(2) It is an arduous road to sue the insurance company in court. It is necessary and reasonable to collect a large amount of evidence and sue the insurance company in court. Even if the lawsuit goes to the court, the court will generally recognize it.

4. How many days does it take for the insurance company to settle claims?

The claim period of an insurance company must be within 30 working days. Article 23 of the Insurance Law stipulates that the insurer shall promptly approve the request for compensation or payment of insurance benefits from the insured or beneficiary; If the situation is complicated, it shall be approved within 30 days, unless otherwise agreed in the contract.

5. What is the insurance company's claim standard?

Different insurance companies have different compensation standards for different insurance products, and the compensation standards agreed in the insurance contract shall prevail. Taking Ping An E Life Insurance of Ping An Insurance Company as an example, the claim standard is: general medical insurance premium of 6,543.8+0,000, and malignant tumor medical insurance premium of 6,543.8+0,000. Among them, general medical insurance claims include hospitalization insurance, 7-day emergency treatment before and after hospitalization, and special outpatient medical insurance. And medical insurance claims for malignant tumors include hospitalization insurance for malignant tumors, emergency treatment for 7 days before and after hospitalization for malignant tumors, and special outpatient medical insurance for malignant tumors.