Late on April 21 20:15, shanghai Xu collects an area inside garage of 211 lane village underground, abrupt on fire of Model S of a tesla, blaze goes out from the eject in lid of the machine before car, very fast with respect to light left Ao Di and the Leikesasi on the right side of car. Final 3 cars inside this garage by burn down, without personal casualty.
At present incident still is in processing, on fire reason also does not have firm conclusion, but serve as spectator we should draw lessons from this incident as, for a series of things that better understanding car produces after spontaneous combustion, before we manage to buy car of new energy resources today, you need these 7 problems that solve first.
1, buy otherwise of car of new energy resources to want to cast guarantee spontaneous combustion a place difficult of access?
Spontaneous combustion danger is the complement of car caustic danger, car advocate below the premise that buying car caustic a place difficult of access, ability is OK and add buy spontaneous combustion a place difficult of access.
The insurance coverage of spontaneous combustion danger is this car electrical appliance, circuitry, offer oil / the spontaneous combustion that the spontaneous combustion that breakdown of air feed system produces, locomotive goods on fire produces. Not loss of the fire that the limits of accept insurance is unidentified reason generation, alone electric equipment, circuitry, system that offer oil.
And the insurance coverage of concerned on fire of car caustic danger and spontaneous combustion respect just is mixed spontaneous combustion danger is contrary, the fire that reason of accept insurance outside causes, but not accept insurance spontaneous combustion. Be in accordingly theoretic, if car advocate think the probability of spontaneous combustion of on fire of car of new energy resources is higher, should buy spontaneous combustion a place difficult of access.
2, does car of new energy resources give a state more easily really?
Is the probability of spontaneous combustion of on fire of car of new energy resources higher really? At present home still can take certification without authoritative orgnaization the data of this conclusion, but the United States looks in light of us.
Comparing China more the United States that contacts car of new energy resources, before car of choose and buy, consumer can face a problem, that is insurance premium problem. According to the newest quote that Geico of insurance company of American famous car gives out, of Model S of a tesla in distribute the 85 models of edition, annual average insurance premium is 5192 dollars, and fuel car should buy Ao Di R8 this level, annual insurance premium is 5111 dollars, still compare petty gain of tesla Model S 85.
This is with respect to the specification in the logic that American insurance company pays to car loss compensate, the rate of exchange of tesla Model S 85 of 100 thousand dollar is worth value the probability of the be out of pocket of Ao Di R8 of 180 thousand dollar is bigger, although price of Model S car is cheaper, but the probability that produces an accident is higher.
The on fire spontaneous combustion that car of new energy resources can not prove directly here brought about what insurance premium uses to rise in price, in the accident of car of new energy resources of the United States that we can see, on fire spontaneous combustion is brought about, also have drive automatically bring about, but the issue that this exaggerated insurance premium uses Model S to also say palpability is certain at least.
Tesla even is such, look forward to of car of other country new energy resources also has the case of many car spontaneous combustion, remember the colourful that happened on April 22 comes dimly ES8 car spontaneous combustion, peacefuled in abide by on April 23 on high speed spontaneous combustion of car of not famous new energy resources, last year the spontaneous combustion of car of trial assembly of power horse EX5 August. Because this kind of thing is too much, as the car the editor minds did not blame...
3, buy spontaneous combustion danger to need how to many fee pay? Be to one's profit?
At present the price computation of spontaneous combustion danger remains the computational means according to car caustic danger to add calculative, because this and car caustic danger are same, also be the price that referenced car buys will calculate.
Exemple like a 2014 directive at that time price 130 thousand yuan Ma Zida holds Kesaila high, cast now guarantee spontaneous combustion a place difficult of access about the price is 130 yuan, 80% of price of the car after compensate depreciation, not plan the price that avoids compensate is 26 yuan, buy not plan the compensate after avoiding compensate is complete compensate.
4, does new car have 3 packets of ways do not buy spontaneous combustion a place difficult of access even?
In 3 packets of regulations, on fire is defined to be breakdown of serious safety performance, consumer can choose to change or return money. But the basis of 3 packets of regulations, need proves because breakdown is caused,spontaneous combustion is. And spontaneous combustion danger differs completely, calculating is not breakdown, spontaneous combustion danger also compensate. Is the distinction this 2 o'clock in after all?
Case one: If a car is in park process, because entered gas mouth to enter an eyewinker to cause engine combustion is unusual and on fire spontaneous combustion, according to 3 packets of regulations, 4S inn and manufacturer need not compensate, but if it were not for is intended, compensate of spontaneous combustion danger.
Case 2: If a car is normal,the circumstance issues spontaneous combustion, after the event discovers via investigation this car is inside 3 packets of period of efficacy, did not undertake maintaining is in however in 4S inn other the maintenance shop that does not have normal procedure undertakes maintaining, according to 3 packets of regulations, car advocate because product quality problem is brought about,cannot proving car spontaneous combustion is, 4S inn and manufacturer need not compensate, but spontaneous combustion danger still accompanies.
Unless be voluntary action, violate compasses operation, car spontaneous combustion is brought about in illegal behavior process, spontaneous combustion danger is not of compensate, and the part of compensate of car caustic danger, spontaneous combustion danger also is not of compensate.
Accordingly the conclusion here still is, had 3 packets circumstance to fall, think probability of car spontaneous combustion is higher, still should buy spontaneous combustion a place difficult of access.
5, in the spontaneous combustion inside 3 packets of period of efficacy, how doesn't manufacturer agree to retreat a car to do?
It is clear that in China some businesses are told very hard in legal level, for instance the thought of consumer fors the time being dispute. The dimension authority incident of the hot search a list of names posted up that the near future ascends each socialization media often believes a lot of people had been familiar with very much.
Be about next so derivative drop a when after guaranteeing spontaneous combustion a place difficult of access, insurance company offers important service: Subrogation chases after countervail. After incident of car happening spontaneous combustion, fall without the circumstance of fruit through be being communicated with 4S normally, this service becomes very important. This service is OK by value of car of insurance company pay for sb and expect to be repaid later 80% give a car advocate, ask to retreat car claim for compensation to 4S inn again. The dispute of this complex trouble, give insurance company was handled.
Seek the issue of countervail about subrogation, successful case can be investigated really on the net at present. Casting actually before guaranteeing spontaneous combustion a place difficult of access, car advocate can undertake more meticulous communication with insurance company. Here a bit need reminds a car advocate people is, subrogation is chased after although countervail is good with, but insurance company can become its consideration 1 times number of be or get out of danger, the insurance cost to the 2nd year is influential.
The manpower that occasionally thought fors the time being and time cost also must let a lot of people flinch, although the heart is superabundant but power is insufficient, perhaps not be face problem, do not have time to also do not have patience really however. So one, the little sense that 200 yuan spontaneous combustion danger perhaps had it to also be bought inside 3 bag period.
6, how determine spontaneous combustion cause and claim for compensation?
Get newspaper fire alarm above all, obtain " fire cause holds a book " , staff is present related clique of requirement of insurance company of the announcement on immediately horse confirm car loss, and cooperate insurance company requirement gather evidence, inform a car of agency again subsequently, ensure the car after marring can withhold all spot testimony, let agency send a person to undertake because of,be decidinged.
A very main reason that dealer informs here protects the spot namely, according to the case of associate with, the car of a lot of spontaneous combustion is after insurance company compensation, treat as with respect to go off with scrap iron is secondhand perhaps spare parts sells, cannot become car manufacturer to decide the evidence of spontaneous combustion reason, what this gives a case is qualitative brought a lot of troubles.
As a result of spontaneous combustion danger compensate 80% , remain 20% behoove to produce manufacturer to compensate for by the car, and car advocate after through subrogation the service that chase after countervail lets insurance company obtain all reparations of car, OK also recapture this of 20% belong to a car advocate odd reparations. Except still can buy beyond this not plan avoid compensate, pay scale to rise compensate 100% .
7, in accident of tesla spontaneous combustion, by who the Ao Di next door and Leikesasi are compensated for?
Car regards Ao Di and Leikesasi as a third party in the accident, can by tesla car advocate a place difficult of access of bought responsibility of a third party will compensate for.
Before above buys car of new energy resources namely, 7 when you should know serious problems. If you have more problem to ask backstage to leave a message,tell us, the hope is useful to everybody.
