Car Insurance Claims Questions, Car Insurance Claims Questions?

In addition, as we have mentioned earlier, the insurance company pays according to the liability, and this kind of case where someone is injured must need to be adjudicated by the traffic police. This is also one of the materials that must be provided.

There is also a reminder that car B does not have a driver's license, which is not a valid driving qualification, and his compulsory traffic insurance is estimated to be unable to compensate, and in general, the traffic police will determine the full responsibility of not having a driver's license. And you said that car A full insurance, first correct it, in the insurance company on the car insurance, there is no full insurance, you can go to learn about the insurance company's insurance situation. It can only be said that the types of insurance on car A are relatively comprehensive, and as for how to pay, the situation you said is not detailed, and it is complicated to say.

To put it simply, according to the liability compensation, you are not responsible, the compulsory traffic insurance compensates the other party for 100 yuan for car damage, and 1,000 yuan for personal injury needs to provide relevant materials. The property loss limit of the compulsory liability insurance is 2,000 yuan, and the personal injury is 10,000 yuan, and the excess part is compensated by the commercial third-party insurance according to the liability. However, the amount of compensation varies depending on the proportion of liability.

As for the loss of car A, if car A is not at fault, then car B will compensate car A. Car A is responsible and car B is not responsible, so the insurance company of car A will pay car A. If the property loss of both parties does not exceed 2,000, you can compensate for the collision of compulsory traffic insurance, but if you need to be injured, it cannot be so.

Specifically, the questioner will tell us the results of the arbitration!

The court judgment will also need to be adjudicated, which has a legal basis, car B is invalid driving, if the traffic police clearly indicate, then car A is more likely to win the lawsuit.

At that time, when reporting the case, the traffic police should have issued a letter of responsibility. It depends on whose responsibility it is, and only then does it know how the insurance company will pay.

Friend: Does the traffic police determine the responsibility It depends on the liability compensation.

It depends on the certificate of liability. All conclusions have to be determined by the scene**. Accident liability. Sum insured.

First of all, please calm down.

This case only involves the simplest collision and property damage, and the division of responsibility is very simple, so don't worry.

Let's analyze your situation a little first, this accident was caused by your unilateral accident (although you don't want to hit the ghost pavilion, but there is no way, this is still your full responsibility), so the property management party proposed that you should compensate is not too much, and the current dispute is that the pricing of the property management party and the pricing of the insurance company is very different (ah which accident will not be a world of difference between the pricing of the two parties, normal), and now it is obvious that you and your insurance company are completely on the same front, and you should of course cooperate with the insurance companyAccording to your description, it seems that the pricing of the property management party is indeed high (understandably, I want to change something new).

Let's go back to your question :

1) Is it reasonable for the property management party to propose 30 days of lost work fee and 30-day parking fee? Does the insurance company pay for this part?

A: It is reasonable for the property management party to put forward the request of 30 days of lost work compensation, after all, the security booth cannot be operated for 30 days, and the insurance company should also include this part of the cost.

2) The system is not completely broken, because the control center is not in the security booth, the security booth is just a branch. Now the property management party insists on replacing it with a new one, while the insurance company insists on repairing it, and paying for the worst. What to do?

A: The opinion of the insurance company is reasonable, there is a clause in the principle of compensation of insurance - insurance cannot make anyone profit from it, and now if it agrees to the compensation request of the property management party, it means that the property management party is likely to obtain additional benefits from the trade-in, which is absolutely not possible.

3) What should I do if there is too much difference between the insurance company's loss assessment and the property management party's claim? Is there a better way to solve the problem through legal means?

A: Arguably, the best way to resolve the issue is through the law. Of course, it is also possible to negotiate with the three parties, but since the property management party is so arrogant, it is difficult to say that they will agree to the insurance company's plan, and the insurance company will never agree to such a high amount of improper compensation request from the property management party (the insurance company also pays attention to efficiency).

In fact, if you file a lawsuit, you may not lose, compared with the strong property management party, you are considered weak, and the law will be biased in your side, not to mention that the property management party's compensation request seriously violates the insurance principle, and this and that request alone will not pass.

4) If there is a need for a lawsuit, should we file a lawsuit or the property management party?

A: Generally speaking, it is the property management party, and the property management party will take you as the defendant and your insurance company will file a lawsuit as the second defendant. One thing to say is that your legal fees can be included in the insurance indemnity, don't worry, maybe in the end, you spent a little bit of effort, but it didn't cost much, because no matter the cost of repairing the car, paying the other party's money, and the legal fees, they were all paid by the insurance company.

In a city like Shenzhen, you can rest assured, nothing is a big deal, as long as you don't hit people.

How much is your third liability insurance?

30 days of lost work fee, what kind of work is wrong in property management. If there is a loss of work insurance company compensation, in fact, you don't care about this, anyway, how much to pay for the insurance company. If there are too many reports, the insurance company will check.

Let the insurance company deal with it, which should come according to the degree of loss, the insurance company has a survey report, and there is also the principle of property damage restoration in the insurance principle.

It's not just what the property management says, don't be too anxious, deal with it calmly.

You're really unlucky, but I've been unlucky lately, but not as bad as you.

Question: Days of lost work? First of all, if you hit the security guard, you can be given a certain period of lost time according to the injury of the security guard, but if you hit the security booth, the security booth will not have any lost time pay, and we should compensate for the direct property damage caused by the accident.

As mentioned in your article, "the loss fee for parking in the parking lot cannot be charged normally, and the total parking fee is more than 7w", which is an indirect loss, and we only bear the cost of repairing or repurchasing the security booth.

2.I have not dealt with the accident of the security booth, but for the toll station has dealt with a few cases, in general, he has set up some computer terminal equipment, the system will not be damaged, you can find the relevant installation company to consult, or find a computer hardware more proficient in people to study, because of the protection of the pavilion, the equipment problem is generally not big. Because in the end, the insurance company will compensate for this part of the loss, and you should first cooperate with the insurance company.

There is also a legal basis for the insurance company's claim that it is mainly repaired.

3.Generally, the insurance company, the property management party and you can negotiate and deal with it, if the negotiation fails, the loss adjustment company or the price appraisal department can assess the amount of loss. (If the lawsuit is filed, this is one of the bases for the court's decision).

4.Personally, I think that it is generally proposed by the property management party, if you have any objection to the court judgment, you can negotiate with the insurance company and provide an appeal again, and the litigation costs are within the scope of insurance liability. However, it generally does not exceed 30% of the sum insured

In addition, if your car is covered by car damage insurance, remember to ask the insurance company to give you a damage assessment before repairing, and if the people in the car are injured, you should also keep the medical bills so that you can file a claim with the insurance company in the future.

If there is no traffic accident, we don't have to pay insurance premiums, if you don't understand the place, you can find the investigator or manager of the insurance company's claims department to communicate and consult more, there is always a way to deal with the problem.

According to the situation you described, the insurance company's claim must have been signed with your permission, and it is normal to pay taxes, so you have to deduct tax points, and as for a few points that you are satisfied with, then you have to negotiate. The insurance company must have an invoice for the claim, and there is no invoice based on any compensation, and it is estimated that the invoice is given to the insurance company. If you want an invoice, you will be taxed at the last time, and if you want an invoice, you don't need to pay taxes.

If you have an accident while driving, you need to pay attention to the following points when reporting insurance: You must report the accident within hours, and there will be no compensation for more than 48 hours; 2. The second ignition of the car with water is not compensated; 3. No compensation is made when there is no annual inspection of the vehicle; 4. Bumping into one's own family members does not belong to third-party liability insurance.

If there is no person after the accident, you should call 110 to report the case, wait for the traffic police to issue a letter of responsibility for the accident, and then report to the insurance company after the processing is completed. Wait for the insurance company to send someone to deal with and assess the damage, and then go to repair the vehicle. Finally, submit the materials for the claim.

The traffic accident has been judged to be responsible for the other party, and the money has been called to my repair shop, and then found that the car damage is very small and I don't want to repair it, can I cancel the other party's compensation?

What is your problem, I am a car insurance officer, tell me, I will see if I can help you.