I usually buy a lot of car insurance, can I really use it in case of an accident?

I think that since I have bought so much car insurance, if something really happens, I will definitely use it.

The main thing to use is when you have a car accident, so don't worry.

Of course, the above 4 insurances are also the 4 insurances that must be taken on the loan car, and the general theory of full insurance is roughly understood by these four items. In fact, there are far more than these 4 types of insurance, there are also tires, scratches, glass, people in the car, drivers, etc., you can choose according to your needs!

That's all there is to it. In fact, there are far more than these 4 types of insurance, but also tires, scratches, glass, and people in the car.

It's mainly for when you're in a car accident, so don't worry.

The main purpose of the use is when there is a car accident, and the main target is when there is a car accident.

No, the insurance company will also make money, how can it be fully compensated, they will lose.

With the help of the Internet, mail delivery, etc., through the insurance company's special marketing number, complete the promotion and consultation of insurance products.

**Auto insurance is mainly based on **, with the help of the Internet, mail delivery, etc., through the special ** marketing number of the insurance company, to complete the promotion, consultation, and ** of insurance products.

After a traffic accident, it is impossible to get compensation if you buy insurance, and only after the accident is dealt with, can you really be covered by insurance, and you can get compensation if you have an accident in the future。If there has been an accident, the injuries caused by the accident will be recorded in the insurance contract in detail, and it is impossible to get compensation, and if you want to skip the car inspection, then it is impossible to buy insurance.

Anyone who has bought commercial car insurance knows that a car inspection is required before buying insurance, and the purpose of this car inspection is actually to prevent moral hazard and prevent some vehicles from being insured after an accident, which is not only a violation of the moral bottom line, but also a violation of the law. In the process of inspecting the car, the staff will record all the damage to the vehicle, which is equivalent to retaining an original information, which includes a copy of the driving license and so on.

In this way, when you have an accident in the future, the insurance company will compare your current situation with the original data, and then compensate accordingly. Moreover, it can also make more targeted insurance reminders and explain all the obligations you need to fulfill. In real life, the competition in the insurance industry is very fierce, if only a slight scratch will not have any impact on the car inspection, but if there is a large area of scratches, we need to repair the car first, and then go to insurance.

Of course, things can't be generalized, if the scratch is in a less obvious location, it will not have much impact on the car inspection. All in all, it is very important to buy a commercial insurance policy for your vehicle, on the one hand, to protect others, and on the other hand, to protect yourself. In this way, we can only get compensation after an accident, if there is an accident, don't expect the insurance company to compensate, the insurance company is not a fool, it is impossible to do a loss-making transaction.

It is too late to buy insurance after the car has a traffic accident, and the insurance will not be accepted at this time, so you must buy insurance early.

It is not feasible because the insurance can only be effective after it has been purchased, and it does not cover previous traffic accidents.

It is very incorrect, and even if you buy insurance at this time, you will not get the corresponding compensation, so you should not do it.

You can also purchase car insurance later. If there is a particularly serious accident in the event of a special accident, you should choose to take the insurance, and then pay the corresponding fee, which will reimburse the proportion of the limb part.

You can buy it later, but there are a lot of additional conditions when you buy it, and the amount will be very high.

Yes, but the amount of car insurance you need to buy may be**, and you should choose the type of car insurance that matches your car, and choose carefully.

Legal analysis: It doesn't work, and you can't make a claim if you buy insurance after an accident. Accident insurance is a type of insurance that provides agreed protection for the death or disability of the insured due to related accidental injuries, including traffic accidents, travel accidents, and other accident benefits.

In general, accident insurance is not immediately covered after insurance, in general, it starts the next day after the insurance, and there are also the fifth or sixth days after the insurance is insured. If you falsely claim that it is an accident that occurred during the insurance period. It will involve insurance fraud and will violate relevant laws and regulations.

Legal basis: Article 198 of the Criminal Law of the People's Republic of China: In any of the following circumstances, where insurance fraud is carried out, and the amount is relatively large, a sentence of up to five years imprisonment or short-term detention is to be given, and a concurrent fine of between 10,000 and 100,000 RMB is to be given; where the amount is huge or there are other serious circumstances, a sentence of between 5 and 10 years imprisonment and a concurrent fine of between 20,000 and 200,000 RMB is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment is to be given, and a concurrent fine of between 20,000 and 200,000 RMB or confiscation of property: (1) The insured deliberately fabricates the subject matter of insurance and fraudulently obtains insurance money; (2) The policyholder, the insured or the beneficiary fabricates false reasons for the occurrence of the insured accident or exaggerates the extent of the loss, thereby defrauding the insurance money; (3) The policyholder, the insured or the beneficiary fabricates an insurance accident that has not occurred to defraud the insurance money; (4) The insured or the insured intentionally causes an insurance accident of property damage and defrauds the insurance money; (5) The policyholder or beneficiary intentionally causes the death, disability or illness of the insured and defrauds the insurance money.

Where the conduct listed in items (4) and (5) of the preceding paragraph concurrently constitutes other crimes, punishment is to be given in accordance with the provisions on combined punishment for multiple crimes. Where a unit commits the crime in the first paragraph, the unit is to be fined, and the directly responsible managers and other directly responsible personnel are to be sentenced to up to five years imprisonment or short-term detention; where the amount is huge or there are other serious circumstances, a sentence of between 5 and 10 years imprisonment is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment is to be given. Where an appraiser, certifier, or property appraiser of an insured accident intentionally provides false supporting documents to provide conditions for others to defraud, it is to be punished as an accomplice to insurance fraud.

Before formulating the title of this article, it is a little confusing! Why do those small scratching accidents still depreciate the value of the insured car? It sounds like they don't necessarily connect, not to mention the fact that most car owners generally believe:

My car has been insured, in the event of a traffic violation to deal with the accident, of course, the first time to the insurance company **, let them come to deal with, claims, I spent money to buy insurance, of course they want to serve me, is it difficult to become the annual compulsory traffic insurance, commercial insurance are paid in vain insurance companies? Next, I will tell you: why should you not take insurance as much as possible when encountering a small scratch, but "privately"!

Frequent accidents will the value of the insurance car depreciate.

Take the example of a colleague in my office (let's call him Galen), who was rear-ended by a car when he was driving a U-turn at the intersection ahead, and the rear bumper of his car was deflated, but it was not broken, and the bracket inside was damaged. The middle grille of the rear car was cracked and the hood was deformed. Then both parties decided to take insurance, hit ** to insurance, both insurance companies require that there must be a traffic police judgment to settle the claim, after arriving at the traffic police team, Galen was sentenced to bear 50% of the responsibility for the accident, the rear car is also 50%, and because Galen did not hit the turn signal when he turned around, deduct 1 point and fine 50.

The rear car does not keep a sufficient safety distance from the front car and is fined 100 yuan.

After getting the verdict, the insurance company asked Galen to go to the 4S shop to assess the damage, and the damage was 1,200 yuan for his car and 800 yuan for the rear car, because it did not exceed 2,000, so he went through the process of self-compensation for mutual collisions, that is, his own insurance repaired his own car. He reported this kind of small insurance three or four times a year, and when he paid the insurance the following year, he found that the insurance cost had risen, and when he wanted to sell the car, the buyer checked his insurance records, and saw that the number of insurances was many, and he felt that the car was in bad condition, and the ** given was about 20,000 yuan lower than the market price.

When a traffic violation occurs, take photos and collect evidence as soon as possible.

The majority of car owners and friends, do you think he is very "wronged"!Obviously, there is not much problem with his car, but the buyer's bid is very low, and the most fundamental reason is here.

Our country's insurance system is networked, every accident of the vehicle has a lifelong record, so buy a car to judge the condition of the car must first check the vehicle's accident record, if the number of accidents is more, whether it is a major accident or not, it means that the condition of the car is definitely not very good, so it will definitely depreciate, will be much lower than the market price and difficult to sell.

So what is the most reasonable way to take risks?

Automobile traffic accident damage assessment and evidence collection.

A person in charge of engaged in second-hand car trading said: not serious small scratches, such as: paint off, bumper scratches, etc., it is best to negotiate a solution, the annual cumulative amount of compulsory traffic insurance is 2000 per year, if the loss does not reach 2000, I suggest that you can repair yourself, on the one hand, to avoid unnecessary processes, on the other hand, to avoid the risk record, affect the value of the car, if the traffic violation accident, the accident damage assessment of the ** in 2000 yuan or more, at this time of course, the first choice of insurance company claims, So as to reduce their own losses.

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

1. Submit a claim application. After the occurrence of an insured accident, contact the insurance company in time, like a traffic accident in addition to reporting to the traffic management department, but also to report to the insurance company in time. On the one hand, let the insurance company know that the policyholder has a traffic accident, on the other hand, you can also consult the insurance company on how to deal with and protect the scene, and the insurance company will teach the rider how to ask the other party for the accident certificate.

2. File a case for investigation. After receiving the notice of the accident, the insurance company will generally immediately send someone to conduct an on-site investigation to understand the loss and the cause, check the insurance policy, and register the case. 3. Prepare audit certificates and materials.

The common supporting materials include the original of the insurance policy or insurance certificate, the certificate of insurance premiums paid, the original text that can prove the identity of the insurance subject or the party, the list of claims, the certificate of insurance inspection, and other documents that should be provided according to the provisions of the insurance contract. 4. Verify the insurance liability. After receiving a request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall, after examining the facts and reviewing the documents, promptly make an assessment of whether it should bear the insurance liability and the extent of the liability, and notify the insured or beneficiary of the verification result.

5. Fulfill the obligation to pay compensation.

Legal analysis: If the driver does not drive without a license, drunk driving, drug driving and other traffic violations, and has purchased compulsory traffic insurance and third-party liability insurance, the non-medical insurance expenses in the medical expenses deducted from the insurance amount shall be borne by the car owner, and the other shall be 100% compensated by the insurance company.

When the amount of the claim exceeds the insured amount of the compulsory insurance, the compensation will be started with the insured amount of the third-party insurance. If you exceed the sum insured under all three insurances, you will be responsible for the costs.

The liability limit of compulsory traffic insurance refers to the maximum amount of compensation borne by the insurance company for the personal and property losses of all victims of each insured accident in the event of a road traffic accident of the insured motor vehicle. The liability limit of compulsory traffic insurance of automobile insurance is divided into death and disability compensation limit of 110,000 yuan, medical expense compensation limit of 10,000 yuan, property damage compensation limit of 2,000 yuan, and the compensation limit of the insured who is not responsible in road traffic accidents.

Commercial third-party insurance is a type of insurance in which the insurance company is liable for the loss of a third party. A third party refers to a third-party victim who, in addition to the policyholder, the insured, and the insurer, suffers losses due to an accident involving the insured vehicle.

Legal basis: "Insurance Law of the People's Republic of China" Article 2 The term "insurance shop" as used in this Law refers to the commercial insurance behavior in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer Shanchong bears the liability for compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility for paying insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

Summary. Tips: An insurance company is an economic organization that collects insurance premiums from policyholders according to the contract and bears the risk compensation responsibility of the policyholders after the accident, and has professional risk management technology.

There are more than 200 well-known insurance companies in China, including Ping An, Pacific, Sunshine, China Life, Dadi, Xinhua, Taikang, Renmin and Fude Life.

Generally, insurance companies default to customers to go out of insurance 3 times in a year, and if this number is exceeded, the possibility of renewal is relatively small, or the increase in premiums is relatively large. In fact, the insurance company will also calculate the probability of insurance and the proportion of compensation, after all, people open a company to make money, if the first round of insurance is too much, and the compensation is too much, then the insurance company is definitely not willing to continue to underwrite the letter. ”

Tips: The insurance company is an economic organization that collects insurance premiums from the policyholder in accordance with the contract and bears the risk compensation responsibility of the policyholder after the accident, and has the professional risk management technology of early reform. There are more than 200 well-known insurance companies in China, including Ping An, Pacific, Sunshine, China Life, Dadi, Xinhua, Taikang, Renmin and Fude Life.

Can you still buy it. Ask about custom messages].

It's just a lot of effort, and you can run a lot of people, and you can meet one who buys your insurance.