Friends drive my car insurance companies will pay you should beware three mistaken

Public some time ago Mr LI will lend his car to a friend, and resulting friends driving people. Mr LEE was not present, fortunately, people who have been hit not life-threatening, but currently, optical expenses might have to be paid about $ 100,000. Believe that many members of the public come across similar issues, that whether the insurance companies bear compensation responsibility? On the above issue, reporter consult an insurance company car insurance managers Mr Wanning. Explanation, he borrowed the car to a friend, if it is been allowed and his friend, Lee also has legitimate qualified driving license, then the insurance company will be borne in accordance with the terms of insurance for payment. First, because of injuries involving third party people in the present case, insurers will injured staff person at the right time to visit. Secondly, once the certificate of the accident found that traffic police is bound to mediate, based on responsibility to inform the customer should provide the insurance companies which claim and claim tracking. Recommended reading insurance weekly: variable amount annuity pilot started Beijing Shanghai five city first wins insurance enterprises violations promotions penalty 500,000 insurance ring "Wang yawei" emerge surface exaggerated income does not to risk silver insurance disputes constantly should first to family "pillar" Shang foot insurance regardless of from lost insurance is zehui Shi Qiming jointly immortal see disk build boutique lecture while, Wanning Mr also reminded General Che You in purchase car insurance Shi should beware following several errors: 1. " Full insurance "concept does not accurate many insurance agent to" zoom "insurance species of protection ability, attract customer, often with customer describes" full insurance "concept, is insured car loss, and three responsibility, and car responsibility, and glass breaking, and stolen Rob, and regardless of from lost this several insurance species, actually this a concept with misleading tendencies, will implied customer insured" full insurance "can for all risk or various accident provides protection, but actually provides protection of range in by insured of terms Shang is clear, still has part risk cannot are protection. 2. premium difference is small, with no comparable overall, coverage rates for several insurance agencies in the industry, the level of rate structures, rates and rate adjustment coefficients are basically the same, though slightly different, but when the insurance of the same case, in the same car insurance companies calculate premiums are basically the same, a difference of not more than hundred. Gap too large but there is a lower amount, in disguise of insurance liability, and so on. 3. the materials are complete, closed within a day or three day's argument is misleading this customer has a great deal of misleading, think insurance companies closed very quickly. But virtually all the insurance companies have these conventions. Customers need to know, closed three days is not calculated from the date the accident, but calculated to claim complete information day. In fact, claim cases primarily in vehicle maintenance and human injury, vehicle only maintenance well accessories maintenance invoice, human injury only to treat or discharged only after medical invoices, these claims information are not within a few days to resolve. Tips to buy a car the impregnability than the quality of service than the initial contact insurance customer can walk several insurance companies, ask some problem they do not understand or do not understand, to see how the overall quality of the insurance company personnel. If an insurance company's own employees are unable to respond to your question is clear, that the company is not worthy of your trust. Customers who have bought a vehicle insurance if a company claims, try not to because the so-called price differential, acquaintance, to replace the insurance company, because if you have been insured in a company, as the Division's customers, you will enjoy some better underwriting claims service. Trainee Carina LAU/text