Motor Vehicle Insurance Claims

When the insured vehicle has an accident clause, the insured shall take reasonable protection and rescue measures, and immediately report the case to the public security traffic control department where the accident occurred, and notify the insurance company at the same time. When an insurance vehicle has stolen the entire vehicle, the insured shall immediately (within 24 hours, excluding force majeure) report the case to the criminal investigation department of the insurance company and the public security organ. After reporting the case to the insurance company, the insured shall send a person to the insurance company claims department to obtain the “motor vehicle insurance risk notification”, fill in the listed contents in detail, and stamp the seal. The insurance vehicle should be repaired as soon as possible due to the occurrence of the accident listed in the insurance clause or the damage to the third party property (such as a vehicle). Before the repair, the insured must check with the insurance company to determine the repair items, methods and costs. Otherwise, the insurance company has the right to re-approve or refuse compensation.
If a third-party liability accident occurs in an insurance vehicle and causes personal injury or death to a third party, the "Rules for the Handling of Road Traffic Accidents" (Decree No. 89 of the State Council of the People's Republic of China on September 22, 1991), relevant laws, regulations and insurance contracts It is stipulated that the amount of compensation shall be determined by the amount of compensation set out in the insurance policy. The insurance company has the right to re-approve or refuse compensation for the amount of compensation that the insured has promised or paid.
The insured shall provide the insurance company with a “Notification of Motor Vehicle Insurance Risks”, an insurance policy, an accident certificate, a certificate of accident liability, an accident mediation, a judgment, a list of losses, and related expense documents.
Involving third party personal casualties, it is also necessary to provide a hospital diagnosis certificate, a certificate of invalidity, a death certificate, a certificate of late work and loss of work, family members and proof of the status of the income. After the insurance vehicle has been stolen for three months, the insured will provide the "motor vehicle insurance risk notification" and insurance policy to the insurance company, and provide the public security agency and the municipal public security agency when handling the claim. Certificates issued by the criminal investigation department, as well as necessary documents such as driving licenses, original purchase invoices, vehicle purchase surcharge payment certificates and payment receipts, road maintenance fee receipts, access to the “motor vehicle parking certificate” receipts by the municipal highway authority. The insured person shall not submit the provisions listed in the motor vehicle insurance clause and the stolen emergency insurance clause within three months from the day the insurance vehicle is repaired or the traffic accident handling is completed and the criminal investigation department of the municipal public security bureau issues the vehicle robbery certificate. The necessary documents, that is, as a voluntary waiver of rights and interests. The insurance company is responsible for the direct damage to the insurance vehicle and the third party property, as well as the personal injury or death of the third party according to the responsibility of the insured (or the driver) in the accident; the financial compensation is given according to the size of the accident. Vehicle Loss Insurance and Third Party Liability Insurance shall implement absolute deductible rates within the amount that meets the compensation requirements: 20% for full-cost deductibles, 15% for primary liabilities, and 10% for unequal liabilities. Loss of 5% of negative secondary responsibility.

Scent Diffuser

What if the air is dry

Dryness in spring and autumn is unavoidable Dry skin, it is best to drink plenty of water, maintain the body's water supply, according to their skin characteristics properly wipe the moisturizing cream or mask. Green plants and air humidifiers can be placed indoors

In winter, with the decrease of temperature, the skin will become tight and dry due to the reduction of sweat gland and skin gland secretion and the loss of more water. Therefore, it is more important to carry out beauty and skin care in winter.

(1) skin oil cream should be applied to the exposed skin before going out, especially lip balm.

(2) Reduce the frequency of washing your face with hot water, 1 ~ 2 times a day, and wash your face with less alkaline soap.

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(3) massage the facial skin regularly to promote blood circulation and use 1~2 times a week.



(4) After washing your face, apply oil and skin care cosmetics. If there is a crack in the skin of hands and feet, you can apply some anti crack ointment.



(5) Drink more water, eat more fresh fruits and vegetables, and eat an appropriate amount of chicken, fish and meat to supplement water and nutrition in the body.



Winter skin cleaning tips

In the middle of winter, girls are facing great enemies and start "skin care mobilization" one after another. But the first step of skin care - cleaning is often ignored, at least not as much as in summer. In fact, in winter, the north is windy and dusty, and the air is dirty. Everyone uses oily skin cream one after another; The air in the south is cold and humid, and it is difficult for the skin to breathe freely. Therefore, we should pay more attention to skin cleaning in winter.

Proper skin cleaning methods can gently and effectively wash pores, help skin absorb the essence of skin care products, and achieve twice the result with half the effort.

Winter cleansing care tips:

In winter, it can clean the face and take comprehensive care at the same time, promote the metabolism of the skin slowed down due to the severe cold, and reduce the appearance of fine lines on the surface.

Wash your face before bathing in winter. Because the water temperature is often high when bathing in winter, cleansing with water at this temperature will lead to the aging of facial skin; At the same time, the hot steam in the bathroom opens the pores. If it is not cleaned in advance, it will be more difficult to clean the dust and dirt on the surface of facial skin into the pores.

The air in the north is dry in winter, so wash your face as much as possible in winter. Generally, you can wash your face once in the morning and once in the evening. Don't wash your face with overheated water, because too hot water will over decompose the skin's oil, make the skin dry and easy to wrinkle; And too cold water is difficult to clean the dirt and excess oil in the pores, so warm water cleansing is the right choice. After cleaning, tap cold water on the cotton cloth to shrink the pores. Pay special attention to moisturizing after cleansing to provide gentle and moisturizing care for the skin.

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