My car was hit in the garage, and the insurance company said it wouldn't pay for it. Is this the rule?

The insurance company's terms are vague. This article simply teaches you how to deal with insurance companies.

(1) claims for car damage, third party (2) car loss (3) car crash (4)

Detailed explanation of insurance clauses (1)- car damage insurance and third party Let's talk about the most important 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. Statement: It may be that the earthquake caused the wall to loosen and finally fell down one day (don't mention the accident during the 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, you are miserable. The regulator will point to his mouth and say, "Please look at my mouth-no! "The correct way to deal with it: slightly change the facts. Danger statement: A friend of mine who has practiced iron 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!

Case 3: What to do if you collide with another car while towing? Ignore some facts. Danger statement: don't mention that you are in a trailer or being dragged 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 take out the glass insurance, would you claim compensation from the insurance company? Can I claim without glass insurance? Ok, no problem. 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. What should I do if I don't take out the glass insurance and wake up in the morning to find that my car glass was broken by some bastard? Ha ha, the old trick-it's caused by sudden braking when driving, and it's your head! (Remember to find a friend of similar height as a shield), if the glass on the side is broken, it is said that you have slipped and hit your head, hehe!

Case 5: What should you do if your car crashes and breaks a small light? Looking for an insurance company, he never dared to compensate you, so you made a profit. No, you may have to pay. Don't you understand? I'm telling you, the total insurance for each car is about 2500-5000 (if the car is too good, you can do it 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. Precise interpretation of insurance clauses

(2)- Lost Car I want to send this document to friends who have lost their cars and may have lost their cars! 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. First of all, remember to check whether there is any car theft on your insurance policy. What? No? Well, you're unlucky. It's no use looking for my hanako. Buy another one. If you are involved in theft and emergency rescue, I want to congratulate you first. Your loss can be minimized, but be careful! What you have to do now is to shut up and read my post in a down-to-earth manner, otherwise you will regret it!

Case 1: It was agreed in the burglary rescue that the insured lost his driving license, the original invoice for car purchase and the certificate of vehicle purchase surcharge increased by 0.5%, which was absolutely free of compensation. The lost car keys will be compensated by 5%. These regulations are printed in the lightest font on the insurance policy. If you don't believe me, you can take out the list and take a closer look. I believe you can find this passage in an inconspicuous corner. So whether you have ever lost a spare key, or if there is a key in your car that has been taken away, please remember to forget it, otherwise. You can resist the loss of 5% yourself!

Case 2: If your car is stolen in a toll parking lot or a repair shop, will the insurance company be responsible for the compensation? The answer is: no compensation! ! Because the above-mentioned places are responsible for the custody of vehicles, during the custody period, if the vehicles are damaged or lost due to improper custody by the custodian, the custodian shall bear the responsibility. The insurance company is not responsible for compensation. So the right thing to do is to claim for compensation in the parking lot. So remember to receive a parking fee receipt every time you stop. Although the loss is printed on it, according to the standard contract in China's contract law, this is a unilateral shirking of responsibility! Don't hesitate to sue him boldly, hehe, I have good news for you. Someone has won such a lawsuit, so according to the principle of retrospective case, future cases can be judged according to this case, haha!

Case 3: If the parking lot belongs to your friend, or you know from the side that the parking lot can't pay for your car at all, can you consider changing the location where you lost your car? Haha, I didn't say anything.

Case 4: Furthermore, if you are the boss and have a falling out with your friend because of some accounting problems, and your friend is a villain, he steals your car secretly. You guessed it would be him, would you ask the insurance company for compensation? Tell you, the insurance company is not responsible for compensation. Because this clause stipulates that the insured shall be exempted from liability if his vehicle is robbed or stolen due to a civil or economic dispute with others. So, you can forget your economic dispute and report it directly to the bureau. Remember, don't tell your suspect, or you will get involved in economic problems. With the efficiency of China court, I will take a taxi out in about half a year!

Case 5: If you just bought a new car and are fully insured, but you don't get the license in time (current traffic control regulations: you can get the license within 15 working days after the car inspection), will the insurance company be responsible for compensation after the accident? Not responsible for compensation. Because when out of danger, the insurance vehicle must meet two conditions. First, the insurance vehicle must have a driving license or number plate issued by the traffic management department. Second, it must pass the inspection of the traffic management department within the prescribed time limit. However, it is generally agreed through a special agreement that new cars that need to be insured before inspection and license issuance can be responsible for car damage insurance and three liability insurance. Therefore, the theft and rescue that is responsible for the loss of the car has not taken effect, and naturally it will not be compensated to you. It seems that if you don't have enough courage to change the lost time, the newly bought car will be given away! I didn't say anything.

Case 6: If your car is recovered, how will the insurance company handle the compensation? After the stolen insurance vehicle is recovered, if the insurance company has not paid for it, it should be returned to you. However, during the period when the whole vehicle is stolen, the insurance company is responsible for the reasonable expenses of repairing the damaged vehicle or missing parts on the vehicle. If the insurance company has paid, it should return the vehicle to you and recover the corresponding compensation. If you don't want to get the original car back, the ownership of the car will go to the insurance company.

Detailed explanation of insurance clauses (3)-plane crash I want to send this document to friends who have crashed and may crash! As long as it is a crash, will the insurance company pay for it in full? Of course not. You just need to take a closer look at the exemption clause of the policy compensation in your hand. There are many things that insurance companies will not compensate. If you want to minimize the loss, come to me, haha!

Case 1: Suppose you are a novice. You just borrowed a car (or maybe a rented car) and ran into your brother while practicing on the road. You know this car has three liability insurances. Will you claim compensation from the insurance company? Answer: If you go, you will be insane, and the insurance company will kick you out. Why? First of all, you need to know what three liability insurance is, full name: third party liability insurance. (It doesn't matter if a third party intervenes, hehe) Then what is a third party? The third person refers to the victim who suffers personal or property damage under the insured vehicle due to the accident of the insured vehicle except the insurer and the insured. Generally speaking, the third party excludes four kinds of people: the insurer, the insured, the driver at the time of the accident and his family members, and the family members of the insured. Now I understand that as a driver at that time, your injury insurance company will not pay for it. You know what to do! What? Don't know yet? I am so angry. If a new driver hits me, it's over. Really, I say everything.

Case 2: If you are lucky enough to hit someone with your car, it is all your responsibility, and the court will award you compensation for the other party's economic loss, mental damage compensation and disability loss. What are you going to do with it? What else can you do? Just pay! No! You should discuss with the other family, increase the compensation for economic losses and disability losses, and minimize the mental compensation. It would be better if there were no courses. Why? You ask me why? It's not five horses for six sheep, man. You are wrong again. The insurance company does not unconditionally bear the amount of compensation that the insured should pay according to law, but makes compensation according to the Measures for Handling Road Traffic Accidents and the insurance contract. This clause clearly stipulates that any compensation for mental damage caused by an insured accident is exempt from liability. Therefore, regardless of whether the court decides that the insured should compensate for mental losses, the insurance company will not be liable for compensation. Understand? Other insurance companies will compensate you, regardless of mental loss, so I'd rather give each other more money than promise mental compensation. In short, be generous to the insurance company, hehe!

Case 3: If you are lucky enough to crash again, it is not your responsibility this time. If the other party does not want to lose money, can you claim compensation from the insurance company? Answer: Yes, but you have to claim from a third party before you can get compensation from the insurance company. If you give up the right to claim from a third party and claim directly from the insurance company, the insurance company will not compensate. Because you give up the right to claim compensation from a third party, you also give up the right to claim compensation from the insurance company. Therefore, remember, remember, you must first seek compensation from the other party, and it is best to have proof of the failure of court enforcement, and then you can confidently find an insurance company. Let them clean up the rest of the mess, who let them charge you so much insurance every year!

Case 4: I remember that an unlucky driver ran into an escaped criminal under the command of jc, and two cars collided as a result. This is a tragedy. Will the insurance company compensate him? Of course not. The insurance clause clearly stipulates that the driver's intentional behavior is not included in the compensation, so he can only repair the car himself: (So, if you don't have enough financial ability, think about it before becoming a hero!

Detailed explanation of insurance clauses (4)- Claim

Insurance case 1: (You must read it, because you may not have heard of it. A friend of a well-known dx at the altar lost a car, all risks. He filed a claim with the insurance company, but failed. Reasons for the insurance company to refuse to pay compensation: Go to the vehicle management office to check, this car has not been inspected annually. Case analysis: What the insurance company has done is very reasonable, and it is also based on the provisions of the insurance contract: insurance only takes effect for qualified vehicles, and vehicles that have not been inspected annually can only be regarded as unqualified vehicles. No matter how well you maintain it, it's useless. The result can only be a waste of money, and the insurance will be wasted, and the cash value of the insurance will be returned at most. Case conclusion: Your car must be inspected on time and must not be delayed. Otherwise, the fine is small and the claim is large. At this time, even if the traffic accident causes a third party loss, you should bear it yourself, and the insurance is bought for nothing: (Case solution: annual inspection on time, even for one day, don't be late; If misfortune really happens, remember not to report it immediately, and spend money to complete the car inspection procedure as soon as possible before going through the claim reporting procedure! Sorry, I just fainted. Did I say something? It's nonsense to say it.

★ Insurance Case 2: Same as above. Please pay attention to what the driver didn't do in the annual review. The insurance company is not responsible for compensating you for all the problems that occur during driving. The reason is similar to the above example, so I won't go into details.

★ Insurance Case 3: This is a frequently asked question: I just bought my car and haven't got the license yet. Is the insurance valid? Note: When the vehicle is in danger, the insured vehicle must meet two conditions. One is that the insured vehicle must have a driving license or license plate issued by the traffic management department, and the other is to pass the inspection of the traffic management department within the prescribed time limit. However, it is generally believed that a new car that requires insurance first and then inspection and license issuance can be responsible for car damage insurance and three liability insurance. Therefore, at this time, even if your car is lost, it is ok to have insurance company to support you. It's clear now!

★ Principles of proof materials for insurance claims: (Because this question has been asked by N people, I will answer it here) There are several situations of insurance claims.

1, if the accident is solved by the traffic team, the traffic team will issue a penalty sheet or a conciliation statement. If the accident is decided by the court, the judgment will be enough. These materials are absolutely good, and the insurance company will definitely give the green light. Don't worry, claim.

2, a major accident in the community: the car is seriously damaged, and you have to go to the traffic team to issue a certificate, which is very troublesome. Generally speaking, it is very troublesome to issue a certificate for the residential property, because there are often suspects, so it is best to report it to the city road, otherwise-you are exhausted!

3. When a minor accident happens on the road, including the collision when parking (dx happens most frequently in this kind of accident altar), the principle to be proved is: whether it involves a third party, such as third party compensation, or whether the traffic team needs to prove it. If the two parties to the accident end up by themselves, it can be indicated in the claim that the third party will repair the accident by itself, and then the claim can be made according to the self-pity in the car damage insurance. If the insurance company asks you to open a certificate in the traffic team, you must bite and say that there is no place to open it. Insurance companies generally don't take it too seriously. If you promise to open the certificate, don't blame me for not reminding you, run quickly, and the money you pay can be worth the gas!

4. If the last person is hit by another car and the accident car escapes, it will be even more troublesome. Through the traffic team to solve, the insurance company can subrogate. If it's not serious, you'd better blame yourself for settling the claim, pay attention to whether the paint of the other car is stuck on the car body, and the direction of the collision must be justified, otherwise it will be miserable! Finally, remind you dx: You must report the case within 48 hours, otherwise you may directly refuse to pay compensation! Remember, remember, if it's not within 48, say 48.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.