Xuchang city door-to-door installation of car batteries, no power, take the power to help the car repair the tire * 8

  Weidu District, Xuchang City, Yuzhou City, Changge City, Xuchang County, Yanling County, Xiangcheng County
Car battery repair chain store 139038 car battery repair chain store 139038 door-to-door tire replacement without electricity 218662 car battery repair chain store 139038 door-to-door tire replacement without electricity No electricity rescue, change the battery, catch a fire, take the electricity to help the car flow, repair the tire and change the spare tire
8 store chain rescue 13903862162 car door-to-door no electricity
For many car owners, insuring their car is an important lesson
They should not only choose the right insurance company, but also consider it according to the actual situation
However, compared with insurance, the most troublesome thing for citizens is claims [family car knowledge of car owners] for many car owners, insuring their car is an important lesson
We should not only choose the right insurance company, but also consider it according to the actual situation
However, compared with insurance, the most troublesome thing for citizens is claims

  Myth 1: repair before reimbursement
  Some car owners don't report the accident to the insurance company immediately after the accident, but first find a repair shop and then find the insurance company to reimburse the expenses after repairing the car
In fact, this shows that they don't understand the general procedure of claim settlement

  In fact, after the accident, you should first call 110 to report the accident and get the accident responsibility confirmation issued by the traffic police, so that you can provide the relevant accident records of the police in the future

  After the traffic police handle the accident, the owner should report to the insurance company
The insurance company will send someone to investigate and determine the loss, then repair the vehicle, and finally submit the documents and compensation

  If the owner does not report the case to the insurance company and repairs the vehicle first, the insurance company believes that the repair cost is higher than the loss determination cost when settling the claim, and the difference may be borne by the owner himself
Therefore, determining the loss before repairing the car is the protection of the insured's own interests

  Myth 2: take full responsibility for the accident
  Some car owners believe that there is an insurance company to compensate anyway, and the identification of responsibility in the accident is not important
Some car owners & ldquo; Not afraid & rdquo; It's dangerous to take responsibility
Because the insurance company's claim is based on the responsibility identification issued by the traffic police

  For the third-party liability insurance, the insurance company formulates different compensation proportions according to the degree of responsibility borne by the vehicle owner
In the determination of responsibility, the owner must clarify the responsibility
If it is not his own responsibility, he must not bear it
Remember not to be responsible & ldquo; Take charge of everything & rdquo;, Avoid future troubles

  Myth 3: of course, you have to pay for everything
  Consumers often like to enter a misunderstanding that if I buy insurance, I have to pay for all accidents
In fact, according to the insurance regulations, not all accidents can be fully compensated

  It is understood that when buying insurance, policyholders usually only invest in risk and compulsory insurance
Once there is a full responsibility claim settlement, the insurance will deduct 20% of the non deductible ratio, that is, only 80%, and the rest will be borne by the policyholder

  If the applicant wants to get full compensation, the prerequisite is to buy & ldquo; No deductible additional insurance & rdquo;

  In fact, if you are insured without deductible insurance, you may not be able to get full compensation

  In order to prevent & ldquo; Moral hazard;, For some specific accidents, separate deductibles will be set, which do not belong to the scope of excluding deductibles
For example, the insurance company will deduct the deductible rate for multiple accidents, driving beyond the range, incomplete claim settlement certificates, etc

  For an accident in which no third party can be found, the insurance company usually believes that it is difficult to objectively determine the actual accident liability of the owner involved, and its claim Standard cannot take the owner's accident liability as the reference basis for claim settlement, so the insurance company has set a special deduction deductible ratio

  Myth 4: loss determination, repair and claim settlement are not separated
  Almost all car owners believe that the joint loss determination with the 4S store is the actual maintenance fee and the amount of insurance claims

  In fact, the loss determination is the procedure of the insurance company
The reason why the loss determination is jointly made with the repair shop is that the insurance company is not omnipotent
It needs to listen to the opinions of the 4S store

  The 4S store cannot control the fixed loss amount
The insurance company will give a reasonable fixed loss amount after considering the situation of all parties
Once the fixed loss is completed, the claim amount is basically determined

  As for how to repair, it has nothing to do with the insurance company
It is up to the owner and the repair shop to decide
The actual repair cost may be higher or lower than the fixed loss limit depending on the main requirements of the car, and even the repair location may not be the manufacturer assisting in the fixed loss

  Myth 5: entrust repair shop to settle claims
  In order to avoid trouble, many car owners entrust the settlement of claims to a more familiar repair shop without contacting the insurance company directly after the accident
Although this is quite simple, there are also many risks