Ask you about your insurance claim! Insurance Claims Issues

7,000 is the commercial three-liability insurance compensation, and there are 2,000 compulsory traffic insurance companies to compensate you.

Sometimes, even if you vote without deductible, it will not take effect, let's take a look at when the deductible will not take effect in several situations:

1: A third party should be compensated but no third party can be found.

This situation is not difficult to understand, for example, your car was hit by someone else's car, the other party is fully responsible, and the other party's insurance should repair your car, but the other party escapes, although you can use your own insurance to get a certain amount of compensation, but it cannot take effect without deductible, so you can't get full compensation.

In the same way, our car was maliciously scratched, and since the person who rowed the car could not be found, we could not prove the cause of the damage to the vehicle and the situation at the scene, so we could not fulfill the full compensation without deductible.

2: Solve the traffic accident by yourself but cannot determine the cause of the accident.

For example, if the motor vehicles of the two parties were scratched, and then moved to the side of the road after negotiation, but did not retain the ** and location marks at that time, and the two parties could not give clear evidence and reasons when reporting the case, then even if the insurance was insured without deductible, I am afraid that the full compensation could not be obtained.

3: Frequent accidents.

This situation is not difficult to understand, if you appear too often, even if you are insured without deductible, the insurance company will still make the policyholder bear a certain amount of losses, and punish the frequent occurrence of such dangerous and abnormal behavior. However, the regulations of various insurance companies are different about how many times the car owner bears a certain loss, which requires timely understanding when applying for insurance.

If you are fully responsible, the car damage part will not involve compulsory insurance, at most the compulsory compensation of 100 has not been dropped, and your situation is estimated by me to be the vehicle when the car damage insurance has an absolute deductible of 2000. Check with your insurance company as soon as possible. If there is an absolute deductible, then you have to ask your company for clarification.

It is important to note that the doctor confirms that the medical record is correct when prescribing it.

If the deceased is not the driver of the vehicle in which he was riding, it is enough to go to the traffic management department to issue a certificate that he was killed in this accident (you will generally issue it if you grind), and it is not necessary to find the vehicle that caused the accident and divide the responsibility, just confirm the death. If it is a driver, then you must wait for the accident responsibility determination to come down, otherwise the traffic management department will not issue a certificate.

As mentioned upstairs, if the information is incomplete, the insurance company will not accept it, and there is no problem of refusal of claims. Life insurance has a 5-year statute of limitations, and claims can be made up to 5 years after the accident. After the traffic management department confirms the traffic accident and responsibility, other deceased, cremation certificate (funeral certificate), household registration cancellation certificate, commonly known as "three certificates", together with the proof of the accident, can apply to the insurance company for compensation.

The insurance company only cares about whether the death was due to an accident and whether there is an exclusion (for example, whether the deceased is a driver, whether the driver is drunk driving, and the driver's license and driving license are valid) before deciding whether to pay compensation, and whether the case is solved or not is of practical significance to the insurance company.

It is important to note that the doctor confirms that the medical record is correct when prescribing it.

It is important to note that the doctor confirms that the medical record is correct when prescribing it.

There is no medical causal relationship between osteosarcoma and breast cancer, and insurance companies should not deny compensation. It is impossible and not obliged for the policyholder to tell the insurance company about some details and symptoms such as cold and flu before the insurance.

There is no way, it was sarcoma before insurance. If you tell the truth when you apply for insurance, you will not be able to buy insurance. You can ask the insurance company to refund a little more premium.