I’m stuck, how to choose between the three options: 1. Take insurance. 2.

1. What to do if you are in danger? Report a crime, call the police or take photos?

Can be divided according to the severity of the accident.

Small accidents (small cuts and bruises): Traffic accidents can be dealt with quickly.

Car owners can take photos to collect evidence by themselves, paying attention to the panoramic view, the collision relationship between the hit object and the vehicle, then call the insurance company, and then fill in the "Traffic Accident Rapid Handling Agreement", which must be approved by both parties and When you fill out a quick processing form, there is no need to call the police.

Major accident (vehicle cannot run, someone is injured, property is damaged): At this time, you must follow the formal procedures, report the accident first, and then contact the insurance company.

When a relatively large traffic accident occurs, the first thing the car owner must do is to report the accident in time. In addition to reporting the crime to the traffic management department, it is also necessary to report the crime to the insurance company in a timely manner.

2. If the vehicle is hit by another vehicle while it is parked and the offending party cannot be found, how can I pay compensation?

According to the car insurance terms:

The loss of the insured motor vehicle shall be compensated by a third party. If the third party cannot be found, an absolute deductible rate of 30% will be implemented.

In other words, if the car owner has car damage insurance, 70% of the loss will be compensated.

However, if the car owner purchases additional insurance - "Motor vehicle loss insurance cannot find third-party special insurance", the deductible 30% vehicle loss can be compensated under the additional insurance.

3. If the glass is broken and things in the car are lost, how should you pay?

You may first think of theft insurance, but theft insurance covers the entire vehicle. In the case of theft or loss of items in the car, it is not covered by the insurance.

As for car damage insurance and glass breakage insurance, it depends on the specific situation.

If the car glass is broken, it will be accompanied by damage to other parts of the vehicle. The broken glass at this time falls within the scope of liability of the car damage insurance.

If only the glass is broken, it does not fall within the scope of car damage insurance, but falls within the scope of liability of separate glass breakage insurance. If you do not purchase glass insurance, the insurance company will not pay for it and you will have to pay out of pocket.

Note: These three types of insurance do not cover theft of property in the car. Therefore, it is recommended that you do not place valuables in the car.

4. If you often travel out of town and have a traffic accident, where should you repair it?

The first is to repair it locally, the second is that the car owner tows the car back by himself, and the third is that the insurance company finds the car and tows it back.

The costs incurred in the three situations are also different.

However, it is generally required to repair it locally. The main reason is to avoid expanding the loss of the accident car, but the repair plan can be negotiated by both parties.

Note: If the car owner requires the car to be towed back, and also requires the insurance company to reimburse the towing and other rescue expenses, the insurance company should first confirm it to avoid quarrels later.

5. After dialing 122 to call the police, the traffic team will send out a crane and a trailer. Who should pay for it?

1. Responsible for law enforcement agencies:

(1) Detaining vehicles in accordance with the law due to other traffic violations; detaining vehicles in traffic accidents in accordance with the law due to the need to collect evidence;

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(2) When a traffic accident occurs that can be resolved through negotiation by oneself in accordance with the law, the parties involved fail to evacuate the scene when they should, causing traffic jams.

2. The parties shall be responsible for:

(1) The vehicle involved in the traffic accident cannot drive and occupies the road, and the party concerned is not at the scene or the party cannot remove the vehicle by himself, thereby obstructing other vehicles and pedestrians Passage, and law enforcement agencies do not need to detain the accident vehicle to collect evidence.

(2) Find a towing company yourself, or call the police and ask the police to help find a towing company. This requires the car owner to pay for it.

However, the auto insurance rules of many insurance companies stipulate that the insured will be partially compensated for necessary and reasonable rescue expenses, up to the amount insured. In other words, the insurance company can compensate for the cost of the rescue tow truck, if not all, at least part of it.

3. Beared by the insurance company:

Many insurance companies include free roadside assistance services in their insurance services.

Note: Before calling a tow truck for rescue, be sure to describe in detail the damage to the vehicle, the specific geographical location, the distance to the tow truck, etc., as well as other related costs. Ask about the total cost, otherwise, after the rescue is completed, Disputes over price are really troublesome.

6. What is the difference between going to a damage assessment center and a 4S store?

After a car accident, some insurance companies require car owners to drive the car to a designated repair shop to determine the damage instead of a 4S shop. If they do not comply with their requirements, they may face difficulty in settling claims. .

Going to a damage assessment center is different from a 4S store, and the prices are also different.

Of course, if you can choose to do damage assessment and repairs in a 4S store, you must do it in a 4S store. On the one hand, you will feel more at ease with the 4S store; on the other hand, the accessories used or replaced by the 4S store are also guaranteed.

However, the price difference may be paid by the car owner himself.

7. What should I do if I fail to notify the insurance company in time after an accident?

After an accident occurs, you must report it within 48 hours, otherwise the insurance company will directly deny compensation. The editor once parked his car at a hotel and had a one-sided accident. At that time, he mistakenly thought it was a minor problem and did not want to affect the discount for the next year, so he did not choose to report it. As a result, after the car was taken to a 4S shop, he found out that the repair fee was expensive. When I chose to report the case, I was directly rejected by the insurance company.

In this case? Is there any other way?

Actually, there are cases where the insurance company’s customer service and complaint specialists argue that they do not understand the 48-hour time limit. Although the insurance agreement was signed, the insurance company did not fulfill all the requirements. In most cases, the insurance company will still settle the claim at 70% after asking the leader for instructions.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance