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[注意]自驾车出险如何理赔         ★★★
自驾车出险如何理赔
作者:四驱雄风 文章来源:本站原创 点击数:9833 更新时间:2008/1/26 22:09:24

 

 自驾车出险如何理赔

很多车友自驾车出游的时候常常忽略了保险,等到需要的时候,在理赔过程中,哪些方面保险公司会拒赔?哪些地方容易产生纠纷?应注意哪些问题?很多车主都不是很明白。

扩大损失不赔


专业人士提醒,车辆出险后,应采取相应的措施或及时修理,特别是在遇到会影响其他配件使用的情况时,可要求保险公司给予拖车费,采取一定的补救措施,否则,由此造成的扩大损失部分,保险公司不予理赔。


抛锚后勿私自处理


车辆抛锚应迅速报案,由保险公司委托专业的施救公司救险。万一发生事故,可由专业施救公司承担相应责任。但如果车主私自解决,可能发生再次撞击,甚至翻车,这类损失保险公司是不赔的,因为车险条款的保障对象是处于安全运行状态的汽车。


勿超出保险行驶区域


据悉,有些地方的保险公司规定自驾车出游前必须加保“中国境内险”,否则保险公司不予理赔。沪上保险公司的条款则大都是全国通赔,即便如此,“行驶区域”对于保费和理赔仍有所影响。因此,车主在投保相关车险时,不能光看保费是否打了折扣,还要了解日后的保险权益是否受到影响。专业人士建议,经常驾车去外地的车主,还可以考虑加保一个“不计免赔条款”。


未经核损擅自修复不赔


定损单上的维修价是保险公司依据汽车修理完好所需要的合理市场均价,一般保险公司只认准二级以上资质的维修站。车主自行选择修理厂属个人行为,如果车主去达不到标准的维修站保养或修车,保险公司将会根据市场价格进行核价。 发生保险事故后,要经保险公司核定损失、拍照确定,未经保险公司确定的,车主不能擅自对车辆进行修复。否则,保险公司有权重新核定,甚至拒绝赔偿。该人士建议,异地出险时,正确的做法是请当地保险公司的定损员推荐一些修理水平高、且与保险公司有合作协议的修理厂家。


出车祸慎选私了


出险时车主选择私了要慎重。如果没有保险公司的定损证明,即使当地交警部门能给予事故证明,保险公司也不能全面了解事故梗概,无法计算理赔额。当然,如果事故中理赔额较小,例如仅仅是程度较轻的刮擦,选择私了还是比较明智的。因为保险期内无理赔记录,续保时可享保费优惠。该人士建议,异地出险时是否选择私了,车主最好先自己盘算一下,怎么划算就怎么解决。


车损后别忘拍张照


给事故车拍照是保险公司的事,车主可以自己拍摄吗?对于这个问题,专业人士表示,虽然保险公司的理赔工作流程中要求必须查验事故现场,但在某些特殊情况下,车主自行拍摄的照片也能给保险公司处理理赔案件提供有利的帮助。像小王碰到的这种情况,在外地出游时发生了很小的事故,要保险公司到现场查验损失显然不现实。若车主手中正好有照相机、录像机或有拍摄功能的手机,在向保险公司报案的同时征得保险公司同意后,可以自己拍摄现场照片,这样可为后期理赔减少许多麻烦。

据保险公司的统计数据显示,车险3000元以下的小额理赔案件占全部车险理赔案件的80%以上。专业人士提醒,在发生轻微车损且征得保险公司同意后,车主自行拍摄现场照片要注意和平时拍日常照片有所不同。基本方法是:第1步从车头到车尾(车牌照能看清即可)方向照一张事故现场的全景,目的是让理赔人员了解事故现场的环境;第2步近距离多角度拍下车辆和被碰物的接触情况,此时车辆牌照要清楚要有全车的影像;第3步近距离拍摄碰撞点;第4步将车辆移开后分别拍照,拍下车辆损失部位和被撞物上的痕迹。还要注意的是,如果碰撞现场有车辆经过,拍摄者一定要注意拍摄安全,不要影响其他车辆正常行驶。


按需选择车上人员险、意外险

第三者责任险顾名思义是保障被自己撞的人的利益,司机本人和车上其他人员的人身权益则需要额外的保障。该人士建议,为实现上述保障,可以有两种选择,一种是“跟人走”——如果搭乘人员非常固定,比如自己的家人,那就为他们投保人身意外险,不但保障面更广,而且保费也较为便宜。另一种是“跟座位走”——如果搭乘人员经常变化,则投保“车上人员责任险”,通常1个座位1万元的保额。

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