· Japanese cars are "patriotic youth", insurance companies should pay claims

As the fishing incident continues to ferment, some irrational anti-Japanese demonstrations have occurred frequently. Watching their cars have been overturned and damaged, Japanese car owners want to cry without tears and call for "injury." What they are most concerned about is that the insurance company will pay for the beggars?

Expert: Insurance company should settle claims

Sohu financial reporter interviewed the insurance industry experts and insurance companies in the first time. The insurance company should make claims for the Japanese cars that were shackled. However, the specific compensation plan should be based on the insurance liability provisions of the contract terms of each insurance company. .

Hao Yansu, dean of the School of Insurance of the Central University of Finance and Economics, said in an interview with Sohu. The insurance company should pay compensation for the vehicle being driven. Even if the owner cannot find the perpetrator, according to the principle of subrogation, the insurance company should first contact the main vehicle of the vehicle. The claim is made, and at the same time, the owner of the vehicle transfers the power of the perpetrator to the insurance company.

It is reported that the insurance subrogation right, also known as the insurance subrogation right, refers to the loss caused by an insurance accident when the subject matter of insurance is insured. When the third party is liable for compensation according to law, the insurance company shall pay the compensation amount from the date of payment of the insurance compensation. Within the limits of this, the right to request compensation from a third party is obtained accordingly.

It is said that according to the provisions of the insurance clause, because the loss should be compensated by the third party, and the third party cannot be found, the insurance company has the right to deduct the 30% deductible rate and compensate the owner for 70% of the loss. When the reporter asked the insurance company for verification, it was found that this clause does not use all the cases. The final claims procedure should be determined after the insurance staff has checked the damage.

It is necessary to report the case first to let the insurance company determine the damage on site.

In the process of interviews with reporters, insurance industry experts, especially auto insurance business people in insurance companies, think that this time is more sensitive. In particular, the propaganda department of insurance companies is cautiously saying that they have not received any claims for Japanese autos." If you receive it, you will lose it."

However, the reporter called a number of auto insurance customer service calls to know that in the past three days, cases such as Japanese car damage were much higher than in the past, and more customer service staff told, "There have been many Japanese car owners in the past two days, nearly one-third of them. The staff are doing the on-site inspection of the damage to the Japanese car."

When the reporter called Ping An Insurance as the owner of the vehicle, he learned that once the vehicle was damaged, the owner should report the case within 48 hours, and the insurance company would send the corresponding staff to the site to check the damage.

When asked about the time of claim settlement, the customer service staff said that the owner submitted the claim materials related to the repair invoice to the insurance company. At the same time, if the amount is less than 10,000 yuan, the insurance company will make it within one week after the material submission is completed. Pay. For more than 10,000, the time limit for claims will be shorter, but depending on the date the bank arrives, it usually lags 1-3 days.

At the same time, it is worth noting that the vehicle should not be repaired without authorization before the insurance staff can check the damage. It is best for the insurance staff to take photos and collect evidence. After assessing the loss of the vehicle, go to the 4S shop to fix the damage. After receiving the invoice, the insurance company can go through the procedure to settle the claim.

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