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「北京租车索赔技巧」,租车中索赔的五招技巧

租车中索赔的五招技巧

一旦交通事故发生,就得想法子(zi)把损失降到(dao)最低,向(xiang)保险公司索(suo)赔就是弥补损失的(de)重(zhong)要(yao)一环。如何索(suo)赔?不妨(fang)教(jiao)您(nin)五(wu)招。

1.及时报(bao)案

根据保(bao)(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)法第22条的规(gui)定:“投保(bao)(bao)(bao)(bao)(bao)(bao)人、被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)人或者受益(yi)人知(zhi)道保(bao)(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)事(shi)故(gu)(gu)发生后,应当及时通(tong)知(zhi)保(bao)(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)人。”因(yin)此,出了交(jiao)通(tong)事(shi)故(gu)(gu)除了向(xiang)交(jiao)管部门报案(an),慌乱中千万(wan)别(bie)忘记还要(yao)及时向(xiang)保(bao)(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)公(gong)司报案(an)。一(yi)方面(mian)让(rang)保(bao)(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)公(gong)司知(zhi)道自(zi)己出事(shi)了,另一(yi)方面(mian)也可以向(xiang)保(bao)(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)公(gong)司咨询如(ru)何(he)处理、保(bao)(bao)(bao)(bao)(bao)(bao)护现场,保(bao)(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)公(gong)司会(hui)教你如(ru)何(he)向(xiang)对方索要(yao)事(shi)故(gu)(gu)证明等,以免事(shi)后索赔时麻烦被(bei)动。

2.积极施救

根据保险(xian)(xian)法第(di)42条规定:“保险(xian)(xian)事故(gu)发(fa)生(sheng)(sheng)时,被保险(xian)(xian)人(ren)(ren)有责任(ren)尽力采(cai)取必(bi)要的措施,防止或者(zhe)减(jian)少(shao)(shao)损失(shi)。保险(xian)(xian)事故(gu)发(fa)生(sheng)(sheng)后,被保险(xian)(xian)人(ren)(ren)为防止或者(zhe)减(jian)少(shao)(shao)保险(xian)(xian)标(biao)的的损失(shi)所支付的必(bi)要的合(he)理的费用,由保险(xian)(xian)人(ren)(ren)承(cheng)担(dan);保险(xian)(xian)人(ren)(ren)所承(cheng)担(dan)的数额在保险(xian)(xian)标(biao)的损失(shi)赔(pei)偿金额以外另行计算,最(zui)高不(bu)超过保险(xian)(xian)金额的数额。”根据上述规定,投保人(ren)(ren)应(ying)努力减(jian)少(shao)(shao)事故(gu)造成的损失(shi),放任(ren)、故(gu)意扩大保险(xian)(xian)事故(gu)的损失(shi),经证(zheng)实保险(xian)(xian)人(ren)(ren)不(bu)负赔(pei)偿责任(ren)。

3.主动(dong)协助(zhu)

根(gen)据保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)(xian)(xian)(xian)(xian)法23条规定:“保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)(xian)(xian)(xian)(xian)事故发生后,依照保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)(xian)(xian)(xian)(xian)合同请求保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)赔偿或(huo)者(zhe)给付保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)(xian)(xian)(xian)(xian)金时,投保(bao)(bao)(bao)(bao)(bao)人(ren)(ren)、被(bei)保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)或(huo)者(zhe)受益(yi)人(ren)(ren)应当(dang)向保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)提供(gong)其所能(neng)提供(gong)的(de)与确认保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)(xian)(xian)(xian)(xian)事故的(de)性质、原因(yin)、损失程度等有关的(de)证明和资料。”所以(yi),别以(yi)为向保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)(xian)(xian)(xian)(xian)公司(si)的(de)人(ren)(ren)报(bao)了案就万事大吉,事情就有保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)(xian)(xian)(xian)(xian)公司(si)的(de)人(ren)(ren)做着。而是要积极协助保(bao)(bao)(bao)(bao)(bao)险(xian)(xian)(xian)(xian)(xian)(xian)(xian)公司(si)对车辆查勘、照相、定损。

4.心中有数

根据保(bao)险(xian)法和最初的(de)保(bao)险(xian)合(he)同,结案前向交警了(le)解事(shi)(shi)故中自己的(de)责(ze)任(ren)大(da)小、损失(shi)(shi)多少(shao)、伤(shang)者的(de)赔偿费(fei)用等(deng)情况,再问保(bao)险(xian)公(gong)(gong)司(si)(si)哪些能赔、哪些不能赔,尽量减少(shao)损失(shi)(shi)。司(si)(si)机在找救援(yuan)公(gong)(gong)司(si)(si)拖车(che)、找修(xiu)理厂(chang)修(xiu)车(che)时,关于价格要与保(bao)险(xian)公(gong)(gong)司(si)(si)及时沟(gou)通,以免对方开价与保(bao)险(xian)公(gong)(gong)司(si)(si)的(de)赔偿相差太(tai)远;如果发(fa)(fa)现定(ding)损时没(mei)有发(fa)(fa)现的(de)车(che)辆损失(shi)(shi),应及时通知保(bao)险(xian)公(gong)(gong)司(si)(si),由保(bao)险(xian)公(gong)(gong)司(si)(si)进(jin)行二次查勘定(ding)损,这笔(bi)额外的(de)损失(shi)(shi)就(jiu)不用司(si)(si)机自己埋(mai)单了(le)。因保(bao)险(xian)事(shi)(shi)故受损或造(zao)定(ding)修(xiu)理项目、修(xiu)理方式和费(fei)用。若(ruo)客户自行修(xiu)理,保(bao)险(xian)公(gong)(gong)司(si)(si)会(hui)重新核(he)定(ding)甚(shen)至拒(ju)绝赔偿。

5.见好就(jiu)收

新(xin)手在索赔的过程中(zhong)最大的误区(qu)表(biao)现为两个极端,一类(lei)是(shi)“大款”型(xing)。因怕麻烦,觉得向保险(xian)(xian)公司报案索赔耽误时间,所以就自(zi)(zi)己私(si)了。结(jie)果双方(fang)发生争执再(zai)寻(xun)求保险(xian)(xian)公司的赔偿已(yi)经不可(ke)(ke)能了。另一类(lei)是(shi)“吝啬”型(xing)。刮蹭点油漆要(yao)赔,碰(peng)了个车(che)灯要(yao)赔,结(jie)果是(shi)搞(gao)得自(zi)(zi)己麻烦不说(shuo),还有可(ke)(ke)能导致自(zi)(zi)己车(che)辆(liang)的费(fei)率(lv)被调高。其实,小的车(che)损司机自(zi)(zi)己承担,在保险(xian)(xian)公司的记录(lu)中(zhong)你的出险(xian)(xian)率(lv)低(di),就会享受低(di)费(fei)率(lv)的优惠


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