Fidelity to the staff to induce clients to settle the lawyer: auto Insurance and Compensation methods

Yesterday, the private car advocates call the "Securities daily" insurance weekly, told her August 7 vehicle accident by the perpetrators and their vehicle insurance-tatsu Fidelity Insurance Company to set the loss of the annoyed experience. August 7, the normal driving of Ms. Zhang was another owner Chen (alias) car crash, the vehicle left front damaged, by both sides judged, the accident by Chen negative responsibility. While Ms. Zhang prepared to call the police, the other party said to send a check, please Miss Zhang not to report to the police, after he sent the cheque with Ms. Zhang repair car and compensation. "I see his attitude is very good, and anxious, a soft heart, he promised him, let him go." Ms. Zhang said. Unexpectedly, this soft hearted, left a bunch of trouble to himself, eventually had to pay 1500 yuan to repair the car. "Small accidents in consultation, as soon as possible to remove accident vehicles, so as not to block traffic." "This is a good way to deal with traffic accidents, but why does Ms Zhang have a loss on this matter?" If Chen does not cooperate with the subsequent compensation consultation, Ms. Zhang can still think, after all, in addition to verbal commitments, she did not leave any evidence. But unexpectedly is, the turn of things is not in the Chen body, but the result from the letter Tatsu Insurance Company fixed damage Mr. Ma's sentence. According to Ms. Zhang, originally she and Chen about good, such as the letter Tatsu after the damage, Chen accompany her to the grass bridge near the 4S shop repair car, pay Ms. Zhang repair fares Chen again to the insurance company claim. However, the fidelity of the fixed loss of the Chen Mr. Ma and meet, directly for each other "ideas": "You have Chuxian 7 times this year, and then Chuxian, next year the insurance company will definitely refuse to protect." So, you just settle down! Don't go insurance. "Ms. Zhang said that consultations to resolve her is agreed, as to whether Chen take insurance and she has nothing to do with her, but the letter Tatsu Mr. Ma Chen only compensation for Ms. Zhang 500 Yuan, however, in the 4S shop repair the damaged parts of the accident need 2500 yuan!" Ms. Zhang argued, asking for compensation for the actual car repair, but later Mr Ma and Chen insisted: "You pay 1000 yuan!" You want to, don't even, let's go, we're going to consume it. In this respect, Ms. Zhang is in distress. She was very dissatisfied with the behaviour of Mr. Ma, who was a member of the insurance policy. Originally she and Chen negotiated a good compensation, but because he's a word of things turn, and she didn't understand, Mr. Ma why want to do so. Yunnan earthquake order law firm lawyer, Yunnan Province Association of Consumers Zhang Honglei said, this phenomenon is actually very normal, this is the insurance companies cherish compensation and exclusions one of the typical methods. "On the face of it, insurers are looking for Chen, fearing he will be rejected next year, and in fact they are exclusions for insurance companies," he said. "He said that insurance companies can not refuse to pay strong risks, commercial insurance may be refused or floating premiums, but in the scope of the insurance contract validity, as long as the accident is not intentional action, no matter how many times the owner Chuxian, insurance companies should be compensated. Zhang Honglei said that some insurance companies in order to control the insurance payments, often find ways to take the responsibility of the insurance company to the accident parties, let the parties themselves to bear the liability。 In this accident in the same way, on the surface of the damage is to Chen think, Chen only agreed to pay for her own money, but to let Chen to accept the fact that their own money, fixed the loss of the staff must help its lower compensation price. As the accident was not reported, no police record, at this time if Ms Zhang to go to the judicial process, it will have to adjust the surveillance video and court proceedings, time-consuming. "The work is very busy, do not have so much time for 1500 yuan money toss, can only think of bad luck." Ms. Zhang said that she could only pay her own money for the part where the fare was exceeded. Ms. Zhang also thought about not through her own insurance company, but because her car has not been chuxian for many years, the premium discount has been very low, once chuxian, next year, the renewal of the premiums will be significantly increased, the following year if not Chuxian can be slowly lowered. Therefore, this choice is also Miss Zhang. Ms. Zhang said that in the event of similar events, her only option would be to call the police. This is the right approach, Zhang Honglei said. Zhang Honglei also suggested that if the owner of a minor traffic accident to choose a settlement, it is best to reach a written agreement. Usually prepare several printed forms on the car, to record the time of the traffic accident, the location, the other party's name and contact information, motor vehicle brand, driver's license number, insurance voucher number, the location of the collision and so on. Once the collision occurs, the two sides properly fill out and save, if there is a dispute afterwards, the written agreement at this time is the best evidence. (Securities daily Lengtiuhua)