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Anonymous users2024-02-07The agreement payment is to negotiate a ** between the insurance company and the car owner. When the damage to the vehicle is severe and the repair cost may exceed the depreciated value of the vehicle, the insurance company will not recommend repairing the vehicle and will pay directly the replacement value of the vehicle minus the salvage value. However, this value is not unilaterally determined by one party and needs to be assessed by a third party.
For the car at the beginning of 2010, if it is depreciated according to normal depreciation, the 350,000 yuan you mentioned put forward your own valuation basis, such as the price bureau's valuation list (this can be accepted by the court), but other valuation grounds that cannot be submitted to the court are useless. If you negotiate with the insurance company on this ground, and you can't get a reasonable amount of money, you can file a lawsuit in a timely manner. The basis for the insurance company to price this car of 200,000 also hopes that you can understand it, and let the other party propose a calculation method and treatment plan.
Generally speaking, if there is no situation where the insured amount is not true or the actual model does not match the insured model, so much will not be deducted. Look at the insurance contract to see if there is such a special agreement. If you said that you would be compensated in this way when you applied for insurance, then you don't have to say anything.
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Anonymous users2024-02-06Personal injury 18,000 is paid by PICC within the scope of compulsory traffic insurance, 7% of their car damage is compensated by PICC, and the other 3% is compensated by pedestrians.
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Anonymous users2024-02-05The claims adjuster will prepare an agreement to pay, and this is just a step to pay according to the terms of the insurance.
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Anonymous users2024-02-04You can check the insurance regulations, which are as follows:
1. The vehicle collides and overturns;
2. The vehicle has a fire, **;
3. Vehicle losses caused by the collapse or fall of external objects or parallel falls of the insured vehicle while driving;
4. Natural disasters such as lightning strikes, storms, tornadoes, torrential rains, floods, tsunamis, ground subsidence, ice subsidence, cliff avalanches, avalanches, hailstorms, mudslides, landslides, etc.;
5. In the case that the vehicle is taken care of by the driver with the ship, the ferry carrying the insured vehicle suffers the above natural disasters and causes the loss of the inspection vehicle.
What to look out for when making a vehicle claim.
1. Claim application, motor vehicle driving license, motor vehicle driver's license, identity certificate of the insured, identity certificate of the person receiving compensation;
2. Accident proof materials: traffic accident liability determination, or simple accident handling letter, traffic accident self-negotiation agreement, or court or arbitration institution award, mediation letter, judgment document;
3. Proof of loss: vehicle damage assessment form, vehicle repair invoice, property loss list;
4. Proof of personnel expenses: hospital diagnosis certificate, medical expense reimbursement certificate, lost work certificate and income certificate, disability certificate, death certificate, dependents' certificate, household registration certificate.
Legal basis: Article 1213 of the Civil Code of the People's Republic of China.
If the damage caused by a traffic accident of a motor vehicle is the responsibility of the motor vehicle, the insurer who underwrites the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance; For the shortfall part, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.
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Anonymous users2024-02-03Legal analysis: The compensation scope of commercial vehicle damage insurance includes the following: 1. The insurer shall be responsible for compensation for the loss of the insured vehicle caused by the following reasons in the process of using the insured vehicle by the insured or its permitted drivers:
collision, overturning, falling; Fire, **, spontaneous combustion (spontaneous combustion insurance must be separately insured); Falling and collapsing of external objects; storms, tornadoes; lightning strikes, hailstorms, torrential rains, floods, tsunamis; ground subsidence, ice subsidence, cliff avalanche, avalanche, debris flow, landslide; Natural disasters on ferries carrying insured vehicles (only for those who are cared for by a driver). 2. In the event of an insured accident, the insurer shall bear the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle, and the maximum amount shall not exceed the amount of the insured amount.
Legal basis: Regulations of the People's Republic of China on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 2 The owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the regulations.
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Anonymous users2024-02-02Legal analysis: The compensation scope of commercial vehicle damage insurance includes the following: 1. The insurer shall be responsible for compensation for the loss of the insured vehicle caused by the following reasons in the process of using the insured vehicle by the insured or its permitted drivers:
collision, overturning, falling; Fire, **, spontaneous combustion (spontaneous combustion insurance must be separately insured); Falling and collapsing of external objects; storms, tornadoes; lightning strikes, hailstorms, torrential rains, floods, tsunamis; ground subsidence, ice subsidence, cliff avalanche, avalanche, debris flow, landslide; Natural disasters on ferries carrying insured vehicles (only for those who are cared for by a driver). 2. In the event of an insured accident, the insurer shall bear the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle, and the maximum amount shall not exceed the amount of the insured amount.
Legal basis: Regulations of the People's Republic of China on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 2 The owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the regulations.
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