If I buy full car insurance, under what circumstances can I pay for it?

Hello! In order to improve the protection of your Suzuki car, it is necessary to provide the right car insurance for your car in a timely manner. Car owners who have the financial resources to do so are advised to take out full car insurance for their car to get comprehensive coverage.

If I buy full car insurance, under what circumstances can I pay for it?

When your Suzuki car is exposed to the risk of an accident under your full car insurance policy, you will be able to get the corresponding claim, and it is recommended that you carefully read the coverage of your full car insurance product portfolio. In the unfortunate event of an insured accident through car insurance, our professional claims team will assist you throughout the entire process.

Whole car insurance claim process.

1.Reporting: Generally, insurance companies require that a police report be made within 48 hours of the incident. This is related to whether the car owner can enjoy the claim service, and the sooner or later the time of reporting the case will also directly affect the speed of the claim time.

2.Survey and damage assessment. The staff of the nearest insurance company outlet where the accident occurred will conduct an inspection and damage assessment, which is the key to the settlement of claims.

3.Verify the price and check the loss.

4.The policyholder submits the claim information to the insurance company's outlets, and the staff uploads the information to the auto insurance claim management system.

5.The claims adjuster will review, adjust, and verify the claim from the time of receipt of the materials.

6.The policyholder can receive the claim at the nearest branch or transfer the claim.

In order to facilitate your later claims, it is recommended that you try to purchase car insurance through formal insurance channels, which is an insurance platform that provides professional car insurance.

Can I pay for car insurance? Old driver: I don't pay for these situations, and I don't know that I will suffer a big loss.

1. Whether the car is fully covered by full insurance.

1. The car is generally not fully compensated if it is bought with full insurance. The car insurance deductible clause is the liability exemption clause when the car insurance claim is settled, including the car personnel**, property damage and even third-party personnel**, property loss, the insurance company can not bear the corresponding insurance claim liability.

2. Legal basis: Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law.

If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Article 22.

In any of the following circumstances, the insurance company shall pay the rescue expenses within the limits of the compulsory insurance liability for motor vehicle traffic accident liability, and shall have the right to recover compensation from the victim:

1) The driver has not obtained driving qualifications or is intoxicated;

2) The accident is caused during the theft and robbery of the insured motor vehicle;

3) The insured intentionally causes a road traffic accident.

In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim.

2. Under what circumstances will the insurance company refuse to pay.

1. Force majeure factors;

2. There is a problem with the license certificate;

3. There is no annual review and no compensation for the car;

4. No compensation will be made if the violation is made first.

Car Insurance Claim Process:

1. Report the case: First of all, report the case to the public security organ, and you can choose to report the case immediately or afterwards. Prepare the materials on your own, and generally report to the police station where the accident is located.

Second, after the public security organ reports the case, it must immediately report the case to the insurance company, and it cannot exceed 48 hours after the accident.

2. Damage assessment: After reporting to the insurance company, it is required to assess the damage within 48 hours, if you are not free to go to work, drive the car to the vicinity of the company, and wait for the insurance company to come to the door. A simple car damage is to pat the **, look at the accident sheet, and then open a damage assessment order.

If there is any objection to the amount of the claim issued by the damage assessor, it is best to negotiate it clearly on the spot.

3. Repair: After the damage assessment order is in hand, you can find a car repair shop to repair the car at any time. If you have to pay a certain proportion of the car repair fee, you can negotiate with both parties.

4. Claim: After repairing the car, issue an invoice, and go to the insurance company's office to submit a claim application. It is recommended to choose to have the insurance company bank transfer.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

1. All insurance is not equal to full insurance nor full compensation. Therefore, the car bought the source of the source of the full insurance does not mean that there are no worries, and the insurance of the insurance company car insurance as many as dozens of kinds, each owner and the vehicle situation is different, the loss of everyone to handle the car insurance should also be different, basically no one will handle the real sense of the full insurance. Since there is no true full risk, the insurance company will not pay for the entire loss.

2. Buying a car with full insurance does not mean that it will be compensated in any case. In the following cases, even if you buy full insurance, the insurance company will refuse to pay for it.

3. Repair the car directly without determining the damage. Because the insurance company was not notified before the car was repaired, and the damage assessment was not made, the insurance company will also refuse to make a claim.

4. Damage caused by force majeure. For example, natural disasters such as typhoons and tsunamis, insurance companies have no way to sell off such things, so they generally will not make claims.

5. Damage caused during car repair. When a new injury occurs during the repair of the car, the insurance company has this kind of injury and will not pay for it.

6. The annual inspection of the vehicle is expired. Regardless of whether you buy car insurance or not, once the annual inspection of the vehicle expires, no matter what kind of accident occurs, the insurance company will not pay the claim.

Legal analysis: Not all losses of vehicle full insurance can be paid in full amount. Vehicle full insurance refers to compulsory traffic insurance + car damage insurance + third-party liability insurance + deductible + vehicle personnel insurance, etc., and can also be supplemented with theft insurance, blind glass insurance, body scratch insurance, spontaneous combustion insurance, etc.

Article 3 The compulsory insurance of motor vehicle traffic accident liability mentioned in these Regulations refers to the compulsory liability insurance of the insured motor vehicle within the liability limit for the personal and property losses of the victims other than the vehicle personnel and the insured caused by the road traffic accident of the insured motor vehicle.