1、Automobile Insurance and Claim It is said that driving a car means taking on several risks to yourself and others.Insurance helps ensure your ability to cover the costs of potential damages,or losses. Introduction for the automobile insurance (1) Automobile insurance classification Vehicle damage in
2、surance If the insured or the eligible driver allowed to drive the vehicle cause the damage in using the vehicle by following reasons,the insurance company will pay for this damage:the damages caused by unexpected crash or roll-over,explosion,fire around the vehicle,collapse of the things out of veh
3、icle,and fallowing things.Moreover,it also includes the damages caused by the nayural disasters as below:Lighting strike,storm,tornado,rainstorm,flood,ground sea,land collapse,ice collapse,cliff fall,hail disaster,debris flow,landslide,and the damage of the vehicle because of the boat carrying the v
4、ehicle damaged by the natural disaster. The third party liability insurance The third-party liability insurance of motor vehicles is a kind of law system,which can effectively protect the benefit of the third party who is injured in the accidents.If the insured or the eligible driver allowed to use
5、the car is at fault in an accident,the insurance company will pay for the death of or bodily injury and proper damage expenses caused to the third party in the accident.However,the insurer will not pay for the damage,if the insured have no liability(or is not at fault). Motor vehicle accident liabil
6、ity compulsory insurance The insurer will pay for the death of or bodily injury and proper damage caused to the victim in an accident.Not like the third party liability insurance,buying this insurance is obligatory.And the insurer should pay for the damage no matter the insured has the liability or
7、not. Liability insurance for the people or proper on the vehicle If theres an accident,the insurance will pay for the bodily injury of the people in the vehicle,the property damage of the goods in the vehicle,and the sue and labor charges. The insurance for the stolen and robbed of the whole vehicle
8、 If the whole vehicle is stolen or robbed,and has not been found for three month after the case is put on record and verified by the police criminal investigation,the insurance company would pay for it. The additional equipment damage insurance The insurance company will pay for the direct damage fo
9、r the additional equipment in an unexpected accident according to the actual damage. The internal combustion damage insurance Combustion damage caused by the trouble of vehicle circuits,lines,the fuel injection system,and by the vehicle itself,or the additional equipment of the vehicle,will be paid
10、by insurance company. (2)Binding legal contract The personal auto policy has five distinct parts as below. Declarations In this section,declarations should be prepared,and this declarations list all relevant information about the personal auto policy. Insurance agreement This section outlines exactl
11、y what the insurance company promises to provide in return for the payment of the premium. Definitions Every relevant term will be narrowly defined and written into the insurance agreement at this section. Exclusions What,when and who wont be covered by the policy will be known in this section. Cond
12、itions It lists the duties and responsibilities as the insured in the event of a claim situation. The Effect of the Automobile Insurance The automobile insurance would be beneficial to develop automobile industry,and expend the demand of automobile.It will iron out both the worries of enterprises an
13、d individuals about the purchasing desire. Automobile insurance would also improve the safety property of automobile.Considering the self benefit and social benefit,the insurer will statistic and analyze the reason of the accident and research the new automobile safety technology with automobile man
14、ufacturer and automobile maintenance enterprise.All that will improve the safety property of automobile. Moreover,automobile insurance can stabilize the social public order and play an important role in property insurance. Automobile Insurance Claim If an automobile accident happened,firstly,the dri
15、ver should contact the police and the insurance agent company directly to report the accident.And then a claims adjuster will be assigned to the driver.The driver should provide a complete,detailed accident report. The insurance company should definite the damage,estimate the reasonable charge,and d
16、efinite the amount of compensation.When the insured make a claim for damages to automobile,the insurance company will decide whether to repair the vehicle or declare it a total loss.If the cost to repair the vehicle is higher than the fair market value of it,the company will declare it a total loss.
17、 Within three months after having prepared the vehicle or the traffic accident diagnosis,the insured should go to insurance company to get the compensation with the insurance policy,the accident adjusting document,the list of reparation and other relevant certifications. 汽车保险理赔 人人都说驾驶汽车就意味着对自己和他人要承担
18、风险。汽车保险对一切存在潜在损失、伤害的可能提供了保障。 汽车保险简介 汽车保险主要险种 车辆损失险 被保险人或其允许的合格驾驶员在使用参加保险的车辆过程中，因为以下原因造成的损 失，保险公司负责赔偿：保险车辆发生意外碰撞、翻车、保险车辆周围的火灾、爆炸、外界物体倒塌、以及物体坠落对车辆造成的损失。以下自然灾害对保险 车辆造成的损失：雷击、暴风、龙卷风、暴雨、洪水、海啸、地陷、冰陷、崖崩、雹灾、泥石流、滑坡、载运保险车辆的渡船遭受自然灾害对保险车辆造成的损失。 第三者责任险 机动车第三者责任保险是一种能有效保护因交通事故而受害的第三者利益的法律制度。被保险人或其允许的合格驾驶员在使用过程中，发
19、生交通意外事故，致使第三者遭受人身伤亡或财产损毁，保险公司将负责赔偿应当由被保险人支付的赔偿金额。但在被保险人无责任（或无过错）的情况下，保险公司不承担赔偿责任。 机动车交通事故责任强制保险 保险公司将负责赔付交通事故中受害 人车上货物的损失及人员伤亡。与第三者责任保险不同，此险种是强制购买的。而且，无论被保险人是否有责任保险公司都要进行赔付。 车上责任险 保险车辆发生意外事故，导致车上货物的损失和车上人员的伤亡以及施救费用，有保险公司承担赔偿责任。 全车盗抢险 保险车辆全车被盗窃、被抢夺，经县级以上公安侦查部门立案核实，满三个月未查明下落的，保险公司负责赔偿。 新增设备损失险 当车辆发生意外事故造成车上的新增设备的直接损毁时，保险公司按实际损失赔偿。 自燃损失险 因本车电路、线路、供油系统发生故障及货物本身原因 起火燃烧，或者因车速新增设备原因起火造成的车辆损失，由保险公司负责赔偿。 （ 2） 保险合同的定力 汽车保险单分为以下五部分 申报 在这一部分中，需要准备一份申报，而这份申报罗列了要投保汽车的所有相关信息。 保险协定 这一过程准确列出了保险公司承诺的理赔项目。 保险的确定 在此过程中，每个相关条款都将被严密界定并写入保险协议。
