Tips for filing a claim with an insurance company

Dead spots in auto insurance claims: spontaneous combustion, tire blowout, and explosion of items in the car will not compensate

Summer is particularly hot, with continuous weather above 39 degrees, which makes people feel unbearable, which also increases The frequency of citizens using cars. Insurance experts remind that while car owners are enjoying the convenience of driving in the hot summer, they should also pay attention to the safety hazards of vehicle use, such as spontaneous combustion, tire bursts, explosions of items in the car, etc. Moreover, losses caused by these dangers may still be You will not be able to get compensation from the insurance company.

No compensation will be paid if a vehicle spontaneously ignites

Every summer, there are reports of spontaneous combustion in various places. Since the terms of car damage insurance clearly stipulate that spontaneous combustion after high-temperature baking is excluded, car owners who want to be protected need to purchase additional spontaneous combustion insurance. However, statistics show that only 10% of vehicles are insured for spontaneous combustion insurance. Insurance experts point out that although the probability of spontaneous vehicle combustion is very low, once it occurs, it will be a total loss, which is a considerable risk for the car owner.

Spontaneous combustion insurance is mainly applicable to vehicle losses caused by fire and combustion due to malfunctions of the vehicle's electrical appliances, wiring, and fuel supply systems and spontaneous combustion of the cargo being carried while the vehicle is driving. Because the probability of spontaneous combustion insurance is small, the corresponding premium is also very low. From some claims cases involving spontaneous combustion of motor vehicles, we found that most of the vehicles involved in the accident were older cars, and their oil lines had been in need of repair for a long time, and many accidents were caused by car owners modifying the lines without authorization.

Experts remind: Generally, vehicles are more than two years old. If the car is too old and its parts are aging, you can purchase "spontaneous combustion insurance". In addition, vehicles that often operate long distances should also purchase "spontaneous combustion insurance." It is best to buy spontaneous combustion insurance for cars that are more than 3 years old, especially cars that are more than 5 years old. If a new car has modified wiring and oil lines, it can easily cause accidents. It is recommended that you also purchase self-ignition insurance. In addition, if the car owner does not have self-ignition insurance, if the car spontaneously ignites during the two-year warranty period, he or she can ask the 4S store to compensate.

No compensation will be paid for the explosion of items in the car

In addition to spontaneous combustion of the vehicle, some items placed in the car may also become the "murderer" of damaging the vehicle. For example, many men who smoke often place lighters in front of the windshield for convenience. Under the scorching sun in summer, the temperature in the car continues to rise, and lighters can easily explode. At the same time, if the lighter explodes, it will cause some damage to the car interior and even cause burning.

Insurance experts said that such losses caused by the explosion of dangerous goods in the car are not covered by insurance companies and will not be compensated by insurance companies. Therefore, this will cause great economic losses to car owners.

Experts remind: In addition to lighters, Coke and other carbonated drinks, perfumes, hair gels, high-pressure mosquito killers, canned air fresheners, etc., may become "bombs" when exposed to high temperatures. Therefore, car owners should try to put less or no such items in summer.

No compensation for car tire blowouts

The temperature was nearly 40 degrees a few days ago, and the ground temperature was over 50 degrees. At such high temperatures, it is easier to cause a vehicle tire blowout. However, insurance companies generally regard tire blowout as a natural aging phenomenon of certain parts of the car, and insurance companies will not compensate for the losses and expenses caused by separate damage to the wheel. Insurance experts say that wheel damage alone refers to the situation where only the tires, rims, and hubcaps are damaged, but no other parts of the vehicle are damaged. Insurance companies will still pay compensation for losses caused to vehicles due to traffic accidents caused by tire bursts.

Experts remind: When driving in summer, car owners should always pay attention to the use of tires. When the tires are worn to a certain extent, they should be replaced with new ones of good quality in time; at the same time, they should regularly go to professional maintenance points to test the tires. Make sure the tire pressure is always in normal condition. Do not over-inflate car tires in summer to avoid danger.

Car insurance: What you should know about the claims process: common sense and skills

1) Methods of reporting: telephone reporting, online reporting, reporting to the insurance company and forwarding the report to the claims adjuster.

(2) After an insured accident occurs, the police station or criminal police team should be notified within 24 hours, and the insurance company should be notified within 48 hours.

(3) Claims settlement cycle: The insured does not submit a claim settlement application to the insurance company within 3 months from the date the insured vehicle is repaired or the accident is settled, or the insurance company notifies the insured to collect the insurance If you do not receive the compensation you deserve within 1 year from the date of compensation, you will be deemed to have automatically given up your rights and interests. When a vehicle hits a wall, a step, a cement injection, or a tree, or other accidents that do not involve compensation to others, you do not need to report the case to the traffic police and other departments, but just report the case directly to the insurance company in a timely manner. Wait for the insurance company to come to investigate near the accident scene, or drive the car to the insurance company to report the accident and have the vehicle inspected.

Claims Process:

1. The insured must report the case to the insurance company in a timely manner, and carefully fill out and sign the "Motor Vehicle Insurance Occurrence/Claim Notification".

2. Inform the insurance company of the location of the damaged vehicle in a timely manner so that the vehicle can be inspected and damaged.

3. When handling an accident in accordance with the provisions of the "Road Traffic Accident Handling Measures", corresponding bills and vouchers must be obtained for compensation for property losses. 4. After the vehicle is repaired and the accident is resolved, the information required for insurance claims will be processed.

5. Receive compensation.

Claim settlement skills:

The fixed loss order is the basis for claim settlement. Usually the repair price of the fixed loss order refers to the cost to be paid for complete repair of the car, unless the insurance company discovers something new during the car repair. If the parts fail, the damage needs to be reassessed. Otherwise, the repair price of the loss assessment will be used as the basis for the insurance company to pay the car owner a claim. Rescue and claim settlement for accidents in other places. When a car is in danger in another place, the car owner must report the accident in time and wait patiently for the insurance company to determine the damage and provide rescue. Car owners must not repair their cars or push carts by themselves. Sometimes wisdom can lead to mistakes. Insurance companies are usually not responsible for compensation due to extended damage caused by unauthorized hauling and maintenance of cars. When a car is involved in an accident in another place, the car owner also needs to take photos of the accident scene as soon as possible as proof of claim settlement. If the damage assessor is unable to complete the accident damage assessment within the scheduled time, the car owner can also use these photos and actual repair documents to claim compensation from the insurance company. Evidence should be kept for private accidents. Quick handling at the accident scene facilitates both parties in the accident. However, some drivers do not understand the procedures and regulations of "quick accident handling" and think that as long as the responsible party pays for private cover, it will be over. Even the traffic police are not notified to the scene. , the result is very troublesome when it comes to insurance claims.

Car accident compensation standards:

Car accidents have become a problem that car owners may encounter every day. What are the compensation standards for car accidents? Maybe most drivers are not very clear about it. To this end, the reporter interviewed relevant experts.

1. Medical expenses: Within the scope of public medical care, the hospital will calculate the necessary expenses for the traffic accident trauma treatment of the parties concerned and pay the voucher.

2. Lost work allowance: If the party concerned has a fixed income, the calculation shall be based on the fixed income reduced due to missed work. If the income is more than 3 times higher than the average living expenses in the place where the traffic accident occurred, the calculation shall be based on 3 times; if there is no fixed income Income shall be calculated based on the average income of the state-owned industry in the place where the traffic accident occurred.

3. Hospitalization food subsidy: calculated according to the business trip food subsidy standard for state agency staff in the place where the traffic accident occurred.

4. Nursing expenses: If the nursing staff has income while the injured person is hospitalized, it will be calculated according to the regulations on lost wages; if there is no income, it will be calculated according to the average living expenses in the place where the traffic accident occurred.

5. Living allowance for the disabled: calculated based on the disability level and the average living cost in the place where the traffic accident occurred. Compensation will be given for 2 years starting from the month of disability.

6. Disability equipment fee: If it is necessary to prepare equipment with compensating functions due to disability, the cost of universal equipment will be calculated based on the hospital certificate.

7. Funeral expenses: Pay according to the funeral expenses standards at the place where the traffic accident occurred.

8. Death compensation: calculated based on the average cost of living in the place where the traffic accident occurred, and will be compensated for 10 years. For those under 16 years old, the age will be reduced by 1 year for every 1 year younger; for those over 70 years old, the age will be reduced by 1 year for every 1 year older, with the minimum being no less than 5 years.

9. Living expenses of dependents: limited to those who were actually supported by the deceased or the disabled person before they lost their ability to work and who have no other source of living, and calculated according to the living difficulties subsidy standard for residents in the place where the traffic accident occurred. Children under the age of 16 are raised until they reach the age of 16. Provide support for those who are unable to work for 20 years.

10. Transportation expenses: Calculated according to the actual necessary expenses of the parties, and paid with vouchers.

Ten Tips for Car Insurance Claims

According to insurance company regulations, if a vehicle is stolen in a paid parking lot or commercial repair shop, the insurance company will not be responsible for compensation. Because the above-mentioned places are responsible for the safekeeping of vehicles, the custodian shall bear liability if the vehicle is damaged or lost due to improper care by the custodian during the storage period. Therefore, whether the car is lost or dinged, the insurance company does not care.

Strategy: The correct way is to find a parking lot and file a claim. Therefore, drivers must pay attention to collect the parking fee receipt every time they park. Although the relevant regulations of many paid parking lots say "lose it and ignore it", according to the provisions of the standard contract in our country's contract law, this is a unilateral shirking of one's own responsibilities. If a negotiated solution cannot be solved, one has to resort to law. Some people have already won such lawsuits.

2. No compensation for accidents caused by vehicles that have not been inspected annually

It is stipulated in the insurance contract that insurance is only effective for qualified vehicles, and vehicles that have not been inspected annually can only be regarded as unqualified vehicles.

Strategy: Car owners must remember to carry out annual inspections on time, and must not postpone it, so as to avoid "a leakage in the house and continuous rain all night" when making a claim. The fine is a small matter, but the denial of compensation is a big deal. Moreover, if a traffic accident causes losses to a third party, the cost will also be borne by you, and the insurance will be in vain.

3. No compensation will be paid if the driver does not have an annual inspection

If the driver does not have an annual inspection and the vehicle he drives is an unqualified vehicle, the insurance company may refuse any claim based on the insurance contract.

Strategy: Be serious and don’t be afraid of trouble. When it’s time for an annual review, do it last year.

4. No compensation will be paid if your car hits your own family

In layman’s terms, the third party in third party liability insurance excludes four types of people: namely, the insurer , the insured, the driver of the vehicle when the accident occurred, his family members, and the insured’s family members. There are relevant provisions not only in car insurance, but also in other liability insurance.

Strategy: Never make things difficult for others, especially your own family members.

5. No compensation for vehicles without license plates

When a vehicle is involved in an accident, the insured vehicle must meet two conditions. First, the insured vehicle must have a driving license issued by the public security and traffic management department. or license plate, and secondly, it has been inspected by the public security and traffic management department within the specified period.

Strategy: Before registering a new car, remember to protect your car from being stolen or hit.

6. No compensation if the case is not reported in time

Articles 28 and 30 of the basic insurance clauses of motor vehicle insurance and Article 4 of the additional insurance total vehicle theft and rescue clauses stipulate that the insured After an insured vehicle has an insured accident, you should report it to the traffic police department at the place where the accident occurred. You must also report the accident within 48 hours, otherwise you may be directly denied compensation!

Strategy: Car owners have the obligation to report the accident to the insurance company in a timely manner after an accident. Remember to "report a crime to the insurance company within 48 hours." Although it is an obligation, it is a rule to ensure that you can still eat after an accident.

7. The insurance company will not pay for mental damage after a collision

The insurance company does not unconditionally fully bear "the amount of compensation that the insured should pay according to law", but in accordance with the "Road Compensation shall be provided in accordance with the Measures for Handling Traffic Accidents and the provisions of the insurance contract. The insurance terms clearly stipulate that any relevant mental damage compensation caused by the insured accident is exempt from liability.

Strategy: Once you are in danger and the responsibility lies with you, it is best to discuss a solution with the other party that is more satisfactory to everyone. You would rather give the other party a little more money and reach a private settlement.

8. In the event of a car crash, you must first file a claim with a third party

After an unfortunate accident, the insured must first file a claim with a third party before he or she can obtain compensation from the insurance company. If the insured waives the right to claim from a third party and claims directly from the insurance company, the insurance company will refuse compensation. Because once you give up the right to recover from a third party, you also give up the right to demand compensation from the insurance company.

Strategy: Once you are in danger and the responsibility lies with the other party, you must first seek compensation from the other party. If you fail (it is best to have proof of unsuccessful enforcement by the court), you can confidently go to the insurance company for compensation.

9. More insurance does not mean more compensation

When insuring a second-hand car, if the car owner chooses to determine the insurance amount based on the purchase price of the new car, in the event of a total loss of the car, he can only get the second-hand insurance at the time of the accident. Compensation for the actual value of the car. Over-insurance will not result in excess compensation, and the same applies to under-insurance. Don’t under-insure for temporary gain, otherwise, you will regret it once you are in danger.

Strategy: The amount of insurance should be determined based on the actual value of the insured vehicle at the time of purchase. Be fully insured to ensure reasonable compensation in the event of an accident. Don’t over-insure. If you have too much money in your pocket, consider investing elsewhere.

10. Other situations

1. What should I do if the car hits a wall or falls into a ditch?

Strategy: When a vehicle collides with a wall, cement pillar, tree or other accident that does not involve compensation to others, you do not need to report the case to the traffic police and other departments. You can report the case directly to the insurance company in a timely manner and wait for the insurance company near the accident scene. The company will come to investigate, or drive the car to the insurance company to report the crime and inspect the car.

2. What should I do if my car spontaneously ignites?

Strategy: If there is a fire in the car, stop the car immediately, put out the fire, call the traffic police and fire brigade, and notify the insurance company. Be careful to ask for a responsibility certificate or fire certificate from the traffic police and fire department who handled the accident.

3. What should you do if your car has an accident somewhere else?

Strategy: If your vehicle has an accident in other places, you can report the accident to the insurance company you purchased it from or to the local Ping An Insurance Company. The local insurance company will send professionals to help handle the accident and assess the accident losses.

Experts explain in detail six cases of car insurance not paying claims

Third-party liability insurance does not cover family members

Case: Ms. Zhang drove home and was about to arrive When she was in front of her home, her son heard the sound of his mother's car and rushed over to greet him. As a result, Ms. Zhang accidentally injured her son, which cost tens of thousands of yuan in treatment fees. Ms. Zhang thought that since her car had third-party liability insurance, she should be compensated. So after the incident, she went to the insurance company to claim compensation, but was denied compensation.

Professionals remind: The "third party" in third-party liability insurance, in layman's terms, excludes four types of people, namely the insurer, the insured, the driver and the driver when the car is involved in an accident. His/her family members and the insured’s family members. The third party generally refers to the other person or thing that causes injury or damage when an accident occurs.

No claim can be made if the case is reported overtime

Case: When a pickup truck turned around at the entrance of a hospital in Hangzhou, a pedestrian came over and bumped into the pickup truck's reflector. Fall to the ground. Since the situation was not considered serious at the time, neither party reported the incident. The driver privately gave her 300 yuan and settled the matter.

As a result, that night, the woman who was hit suffered severe bleeding from her lower body - the injured person had just undergone an abortion not long ago. Because of the serious condition, a hysterectomy was performed, resulting in huge medical expenses. The family members of the injured approached the car owner to make a claim, and then the car owner thought of reporting the incident to the insurance company, but the insurance company refused to settle the claim.

Professionals remind: According to the auto insurance contract, after the accident occurs, the case should be reported to the public security and traffic control department in a timely manner, and the case should be reported to the insurance company within 48 hours.

If the insurance company cannot determine the insurance liability or losses due to the failure to report the accident in time, the insurance company has the right to refuse to compensate for the accident losses. At the same time, car owners should remember that when a car crashes, if the situation is not serious at the time, you can choose to report it privately. However, when a car hits someone, you must choose to report it in time regardless of the situation at the time, and you must not report it privately.

Timely measures must be taken to avoid expanding the damage

Case: In early August this year, Ms. Chen was driving on a country road in the Jinhua extension of National Highway 03. Due to the dim lighting, the chassis of the car collided. The iron pier on the road caused damage to the engine chassis and gearbox chassis. At that time, after the collision, she did not discover the situation in time but continued driving, resulting in oil leakage and the entire engine being scrapped. After discovering the situation, she reported the case to the insurance company. However, the insurance company finally determined that during the accident, Ms. Chen was driving at a speed of about 100 kilometers per hour. After hitting the iron pier, she did not stop and take timely measures, causing oil leakage and extensive damage to the car. So the insurance company refused to pay.

Professionals remind: After a vehicle is in danger, you should take appropriate measures or repair it in time. Otherwise, the insurance company will not pay compensation for the resulting expanded losses. If you find a problem with your car, repair it in time. Don't hold on. If the loss increases, you will have to bear it yourself.

Illegal driving cannot be compensated

Case: Mr. Zhang bought a car years ago. His sister was very happy. She drove her brother’s car and wanted to try the new car, but an old man Suddenly coming out of a fork in the road, Ms. Zhang stepped on the wrong accelerator in desperation, running over the old man to death on the spot. Ms. Zhang immediately called the traffic police and the insurance company to report the incident, but the insurance company later refused to pay the claim because Ms. Zhang was driving without a license.

Professionals remind: In addition to the above-mentioned driving without a license, similar situations such as drunk driving, invalid or inconsistent driving licenses, vehicles without annual inspections, etc. all fall into the category of vehicles hitting the "red line". It is stipulated in the insurance contract that the insurance is only effective for qualified and legal vehicles. Car owners must remember to drive with a valid certificate, not drive under the influence of alcohol, and have annual inspections on time. They must not delay to avoid trouble when making a claim. Otherwise, no matter how big the loss is, you will not be compensated, and even if you buy insurance, it will be in vain.

No compensation for automatic parking ramps

Case: Mr. Zheng went out to do errands, got off the car and parked the car on the ramp. When he came out after finishing his errands, he found that the car body had been scratched Please report the incident to the traffic police and insurance company immediately. After the traffic police arrived, they believed that the accident was caused by the car automatically sliding down the road, and the owner of the car was fully responsible. Mr. Zheng could only take the car to a repair shop, and it cost several hundred yuan to repaint and other repairs. He applied for a claim for the cost of repairing the car to the insurance company, but the insurance company responded by refusing to compensate.

Professionals remind: Insurance companies will not pay compensation for this automatic slip phenomenon. Therefore, car owners should pay attention to choosing a safe parking location when parking.

Don’t forget to insure vehicle occupants’ liability insurance

Case: Mr. Zhou purchases various types of insurance for his car every year, but he doesn’t care about vehicle occupants’ insurance. In May this year, Mr. Liu had an accident on his way to Tibet and was injured and hospitalized. Because I did not have accident insurance and vehicle occupant liability insurance, I was refused compensation by the insurance company.

Professionals remind: The two main insurances of car insurance, car damage insurance and third-party liability insurance, do not cover the driver. Car owners should supplement the insurance with personal accident insurance or car accident insurance. Personnel liability insurance, especially for those who frequently travel for business or are keen on self-driving tours, is an additional layer of protection for their own interests.

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