Head hair | Date of small letter public " spit funny protect "
Civil | Spit groovy gentleman
Everybody is good, I am the priggish gentleman that spit groove.
Be in debt return money, perfectly justified.
But in a lot of lives, a lot of people did not observe this norm.
Emmm, right, it is fokelore is medium " Laolai.
A lot of moment calculate us to admit hapless, want to offset oneself loss with insurance, possible also meeting because " Laolai " behavior, and the manage compensate that affects us!
Spit groovy gentleman to say with everybody today, once be encountered unfortunately " Laolai " , insurance is how to manage of compensate, when we can use insurance company this " large tree " .
One, Laolai not compensate, is cure protected also without giving thought to?Most person thinks, produced an accident, although " Laolai " not compensate, at least still has the safeguard that cure protects, cure should be unchallenged.
But not be actually such.
Of most area " medical treatment is sure to implement measure " in, can set clearly " ought to by burden of the 3rd person " medical treatment charge, do not bring into cure to protect fund to pay limits.
For example before hot of entire network " schoolbook type Laolai " :
In October 2015, tang Shan, zhao Mou's father is sent by cause trouble of Cai Mou traffic incomplete; The court decides Cai Mou compensates for total loss to add up to 930 thousand; But Cai Mou is not compensated for not only, return ill will to transfer property; Because cure is protected,do not submit an expense account, zhao Mou can lend Qian Zhi cure at the same time only, contact media to undertake thought fors the time being at the same time.Of course, encounter " Laolai " we also are not to be at a loss what to do, certain city to this kind of circumstance, can cure of application of go ahead of the rest protects pay for sb and expect to be repaid later, protect by cure later to " Laolai " chase after countervail.
Ask via spitting groovy gentleman nevertheless, in be operated actually, because this kind chases after countervail to be able to become finally " dead Zhang " , so actual application process also is difficult and heavy.
2, Laolai not compensate, is commerce safe also not compensate?Social security not compensate, the commercial risk that then I match meticulously always this compensate?
This still needs particular case really concrete analysis...
1, accident danger can compensate?
Accident danger is to spit groovy gentleman to think, prevent " Laolai " one of optimal methods.
Above all, if produced accident die / deformity, no matter whether involve the liability of someone else, accident danger is OK sum compensate pays.
Next, the 500 thousand accident that keeps the specified number also needs 100 yuan or so only nearly, it is each family can the have medium of the burden, belong to " domestic middling has " .
2, danger of 1 million medical treatment can compensate?
Mention charge of big medical treatment, the affirmation that everybody thinks of above all is danger of 1 million medical treatment.
But had bought a place difficult of access of 1 million medical treatment we know, if buy, is " have social security edition " danger of 1 million medical treatment, want complete submit an expense account, must want to be protected via cure first submit an expense account, meet only otherwise compensate pays 60% :
Spit funny protect n/arc drafting
Be aimed at " Laolai " this kind of circumstance, current on market all popular danger of 1 million medical treatment, the gentleman that spit groove consulted insurance company one by one, the reply of basically all insurance company is completely:
Short of cure is protected submit an expense account, no matter because,be what reason, can submit an expense account only 60% .
Also have two exception of course:
Although be sure for the most part cannot sum submits an expense account, but 60% also calculate Liao Sheng at notting have.
3, serious illness risk, birthday danger is to be sure compensate pays
The compensate of serious illness risk and fixed birthday danger pays relatively simple, the condition that should reach an agreement only (serious illness / die / total damage) , and do not have spark disclaimer, so OK compensate pays.
The gentleman that spit groove turned over the disclaimer of all and common product, also escape about tripartite without discovery / what do not assume responsibility is relevant, so everybody can be at ease at this o'clock.
List to everybody here and related the accident common serious illness, consult for everybody:
Spit funny protect n/arc drafting
3, society " lend strength " insurance company
Encounter when us of all kinds " Laolai " when, should want a society actually " back has been cultivated greatly enjoy the cool " , "Lend strength " insurance company this " large tree " ~
1, subrogation begs countervail
If we come up against traffic accident, the policeman maintains the other side to bear main responsibility, but the other side was bought only make strong narrow pass, the compensation that remain is " act shamelessly " when giving, are we at a loss what to do?
NO!
This moment we can ask subrogation of our insurance company exercise seeks countervail power.
Why to seek countervail power for subrogation?
Insurance subrogation begs countervail to counterpoise show the underwriter is enjoyed, subrogation exercise insurant has the claim for compensation of the tripartite of liability to pay compensation to seek the right that countervail counterpoises to causing the harm of insurance mark.Translating common language is: Encounter the other side to suffer the insurance accident of main responsibility, if because the other side casts the inadequacy that keep the specified number, perhaps do not have capable compensation, damage one party can ask compensate of his insurance company go ahead of the rest pays, be in charge of chasing after countervail to the other side by insurance company next.
And the material that files subrogation to beg countervail and measure are very simple also, the friends of need can back up.
Application subrogation begs countervail to need to prepare data:
(1) the accident holds a book;
(2) the information of the other side, the policeman line that can hold a book to the accident goes moving take;
(3) the relevant certificate such as oneself driver's license, Id;
(4) insurance policy.
Application subrogation seeks 4 measure of countervail:
(1) hand looking for 4S goes a program to decide caustic, build a car;
(2) await the other side to reconsider, the time that reconsider is 15 days, during reconsidering, the other side can receive phone announcement of the policeman;
(3) insurance company is formal subrogation chases after countervail, compensate shifts to an earlier date to pay the money that build a car in the meantime;
(4) cooperate insurance company attest.
2, reject big compounding
A lot of moment, the main responsibility that we regard traffic as the accident square, can choose " compounding " kind goes solving an accident.
If encounter the other side " the lion starts to talk greatly " circumstance, the Jun Jian that spit groove discusses not blind compounding.
We can ask the other side sues we and insurance company along with all the others, the lawyer group with this time professional insurance company can come on the stage.
We are OK the lawyer group of insurance company of have the aid of, will safeguard our normal rights and interests.
This is so called " back has been cultivated greatly enjoy the cool " ~
Relevant data shows, the traffic of city of a gleam of dies, average compensate pays had achieved 1.5 million, 23 lines city also was approached 1 million close greatly.
The gentleman that spit groove serves as an old driver, still suggest everybody buys a place difficult of access of responsibility of sufficient a third party, otherwise to be not done " Laolai " , once lead to catastrophe,can sell a room reparations only.
Of course, most the most important still is to notice drive a vehicle is safe!
Once appear serious traffic accident, destroyed likelihood is two families.
Wish what our heart puts opposite lot is awe-stricken.
I am the gentleman that spit groove, love you!
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