If our vehicle has an accident, such as a crash, loss, etc., we can make a claim to the insurance company. However, some owners think that it is very difficult to claim insurance companies, and sometimes they give up the right to claim. Xiao Bian is here to remind everyone that we can make reasonable claims to the insurance companies. As long as the evidence is sufficient and it meets the claims of the insurance company, we can get our own compensation. Specifically in the operation should pay attention to the following aspects.
First, after a dangerous situation occurs in the vehicle, it is necessary to clarify the responsibility to confirm the danger. For example, after colliding with a vehicle, we have to make it clear whether it is our own responsibility or the other party’s responsibility, so that we can confirm which kind of insurance is used to make the payment. If it is its own responsibility, then the insurance that can be compensated is a strong insurance or a third party liability insurance; if the vehicle has damaged parts, then you can get compensation through car damage insurance. When the accident occurs, the owner of the vehicle should not worry, he must first clarify the situation to see if he has insured the corresponding insurance. If so, he must contact the insurance company's staff to the site and ask them to confirm. This is also convenient. Follow-up claims work.
Second, retain sufficient evidence to present the evidence to help the claim when claiming it from the insurance company. To obtain insurance company claims, there is evidence that is the most critical. Such as the court's judgment, the traffic police's handling opinions, as long as these things involve the insurance company claims, it can be directly presented to the insurance company. If there is no such evidence, we must also save the relevant photographs, documents and other items. If we can't provide sufficient evidence to insurance companies, then they have very good reason to refuse to pay.
Third, when negotiating with an insurance company, the attitude must be upright. There must be no unreasonable attitude and no shame. The owner of the insurance company should treat the staff of the insurance company with an objective and fair attitude. If the facts match, compensation can be obtained. We should first clarify the accident process, confirm the main body of responsibility, and then make a claim to the insurance company based on the contents of the insurance contract and the evidence that we have.
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