The car insurance was not bought in the 4S store. Can you go to the 4S shop to repair the car out of

4S shop for your car maintenance is their responsibility, insurance in ** buy is your original intention. It doesn't matter half a dime, why don't you repair the car to create profits for them?

Absolutely! 4S was originally made by maintenance.

You have to be able to make money or not?

The maintenance cost of the 4S shop is generally signed with the insurance company. The ** of the damage assessment can ask the surveyor to assess the loss sheet. But it's troublesome.

The best thing is that they said that they would leave directly after repairing the car. As for whether it will affect the premium of the second year, this general amount will not have much impact if it is not large, mainly because the number of accidents will affect your premium in the next year.

Generally, the insurance company requires a report within 48 hours, and after the report, the insurance company will send an investigator to the scene to determine whether your traces match, and if they match, they are generally recognized. If you drive the car not far from the scene of the incident, it can still be measured according to the height and traces of the scene, and it will not have any effect.

However, it is necessary to report the case within the time specified by the insurance company, and if the report is late, a partial deductible may be deducted. A car insurance claim is when the owner of the car goes to the insurance company to make a claim after the car has been involved in a traffic accident. The basic process of claims settlement includes:

Reporting, investigation and damage assessment, signing and reviewing claim documents, adjustment and review, approval, compensation and settlement.

Precautions

Many insurance companies have a so-called "red and black list". Models on the "red list" can get a relatively low discount when buying insurance; But once the models are on the "blacklist", buying insurance for them will have to increase the price or even be denied. For example, the Mazda6 can have a rate factor of 1 in some insurance companies.

The rate coefficient of the Passat can be as low as:

According to industry insiders, taking Mazda6 as an example, the shape of the car is cool and the energy is good, and most of its owners are men between the ages of 20 and 35. In order not to lose money, the insurance company can only increase its insurance price. Individually, the majority of the owners are young or male.

The maintenance cost of the 4S shop is generally signed with the insurance company. They assess the damage, you can ask the surveyor for the damage assessment form. But it's troublesome.

The best thing is that they said that they would leave directly after repairing the car. As for whether it will affect the premium of the second year, this general amount will not have much impact if it is not large. The main thing is that the number of trips will affect your premium for the coming year.

If the car is out of car insurance, you don't necessarily have to go to the 4S shop for maintenance. It is completely the freedom of the owner to repair the car, and any forced maintenance is illegal. Depending on the severity of the situation, it is recommended that you report insurance as soon as possible.

At this time, the insurance company will often recommend the corresponding repair unit, which may be a 4S shop or a repair shop.

If there is no objection, you can go to the store for damage assessment and repair according to the guidelines, if you have different opinions on the repair plant recommended by the insurance company, you can negotiate to replace it, if the replacement of the repair plant is a non-insurance company cooperation unit, pay attention to it as long as there is no damage assessment and maintenance price difference.

Insurance is required for new cars:

1. Compulsory traffic insurance.

Compulsory traffic insurance is a compulsory insurance in China, and all vehicles must be purchased as an insurance. In the event of a traffic accident, the insurance company can only accompany the party who was hit, which means that the conditions for compensation are limited. At the same time, if you do not buy compulsory traffic insurance, then the car will lose the qualification for annual inspection, therefore, it is not possible to buy compulsory traffic insurance.

2. Third-party commercial liability insurance.

Most car owners will choose to insure compulsory traffic insurance and third-party insurance.

Since the amount of compensation paid by the compulsory liability insurance is limited, the purchase of the third insurance can compensate for the excess of the compulsory liability insurance. Even in the unlikely event of an accident, you will be able to receive a reasonable amount of compensation.

3. Deductible insurance is not included.

Compared with the first two, car insurance is a basic type of insurance with independence, and insurance without deductible is an additional type of additional insurance for cars.

Its effect is that if you have an accident to compensate for the cost of 1000 yuan, the insurance company will normally compensate you for 80% of the loss of 800 yuan, if you buy the deductible insurance, then you will transfer the remaining 20% of the amount you want to compensate to the insurance company, that is, you can get 100% of the compensation. Therefore, it is also necessary to purchase this type of insurance.

4. Car damage insurance.

Car damage insurance is undoubtedly a necessary insurance with the widest scope of claims, regardless of the car has been damaged, such as collision, scratches, water soaking, etc., you can get the insurance company's claim, and the amount of compensation ultimately depends on the cause of the incident, the degree of damage and many other conditions to judge.

Different insurance companies may have different ways to settle claims, so please consult the corresponding insurance company. If you can't report the case, you can contact the claims department, and there will be professional service personnel to provide you with claim services.

If the claim amount is lower than the maintenance amount due to the type of insurance purchased, the difference will be borne by the car owner.

In short, since it is an insurance and there is an insurance company to pay for it, it is better to go to a 4S store; In addition, it depends on the degree of damage to your car, whether the car paint is well matched, and the 4S shop is relatively professional.

Because the cost is too high to be cost-effective, and it is not necessarily repaired well, which is the main reason.

Don't take insurance in a luxury store, repair a car, why? Because the cost here is so high, I think the cost is as high as 1 3 compared to other stores.

Hurry up and pay attention to the mutual stall repair car, and there is no need to worry about accidents happening.

OK. After the dismantling, the 4S store will give you a loss assessment order, don't worry about this. Car repair must also go to the damage assessment unit designated by your insurance company for damage assessment.

I don't remember who the loss assessment order handed over, you just call ** and ask the customer service of the insurance company.

The cost of repairing the car cannot be more than the cost of damage assessment, but don't worry about him after repairing the car, he only needs to give you the invoice after repairing the car. This means how many invoices the car gives you and how much money you give him, but it can't exceed the cost of damage assessment, otherwise you will have to pay out of your own pocket.

Note: The same fault repair more than 5 times can be replaced, within the validity period of the three guarantees (the validity period of the three guarantees is 2 years or 50,000 kilometers, whichever comes first), if the car repair time is more than 35 days, or the same product quality problems caused by the repair of more than 5 times, consumers can change the car.

1) Within 60 days from the date of the seller's purchase invoice or within 3,000 kilometers of mileage (whichever comes first), the engine can be returned if it is still abnormal after two engine changes.

2) During the validity period of the three guarantees, a total of 2 repairs have been carried out due to serious safety performance failures, and serious safety performance failures have not been eliminated or new serious safety performance failures have occurred; or after the engine and transmission have been replaced twice in total; Or the steering system, braking system, suspension system, front and rear axle, the same main parts of the body because of their quality problems, after a total of 2 times of replacement, still can not be used normally, when the consumer chooses to return, the seller shall be responsible for the return.

Hello! For vehicle damage repair, you don't have to go to a 4S shop for repair, you can also go to a repair shop designated by the insurance company for repair. Of course, you can also choose a trustworthy repair shop with legal repair qualifications for vehicle repair.

However, it should be noted that after the vehicle is out of insurance, if you plan to send the car to the 4S shop for maintenance, the owner should not rush to sign the insurance company's damage assessment form, and should first confirm whether the damage assessment ** is enough to repair in the 4S shop, if it cannot be confirmed, it is recommended to send the damaged vehicle to the 4S shop, and then let the loss assessor go to the 4S shop for damage assessment, in this case, the loss assessor will negotiate with the 4S shop for damage assessment, and after they reach an agreement on the amount of damage, the owner will sign on the damage assessment form. In this way, there will be no difference in the price of repairs.

4S shop. The repair of the car in the 4S shop is after the insurance is declared, and the payment is made after the final pick-up and acceptance. After the vehicle is reported to be in danger, the insurance company will determine the scene investigation or drive the car directly to the repair shop according to the circumstances of the case.

The damage of the vehicle must be signed and confirmed by the owner before the damage assessment can be taken, and the damage assessment form must be confirmed by the three parties, and the maintenance work order must be recorded in detail when the vehicle arrives at the store, and the owner signs for repair.

Once the insured's car is in an accident, there is a special damage assessment department to evaluate the accident, but the insured must report to the insurance company within 24 hours. If the insured fails to report the accident within the specified time and causes a secondary accident, the insurance company may refuse to accept the accident claim.

Four ways to maximize the benefits of claims.

1. After purchasing car insurance, car owners need to study the insurance contract and be familiar with the key claim details, so as to avoid losses caused by ignorance of the claim details when the accident really comes.

2. After the accident, do not be too anxious to theorize or negotiate with the other party, you should take pictures of the accident scene and keep all the information in case of emergency.

3. After the accident, don't rush to repair the car, and drive to the 4S shop for repair after the damage assessment. Some car owners rush to repair as soon as the accident occurs, which is a very bad habit and will directly affect the subsequent damage assessment.

4. If it is a very small accident, you can repair it privately or by yourself to avoid a sharp increase in premiums in the coming year.

The above content reference: China Economic Net - Who has the final say in vehicle damage assessment?

The above content reference: Encyclopedia - Auto Insurance Assessment.