The insurance company exclusions unspoken rule after money on the face

The insurance company exclusions unspoken rule: after money fund exposure on the face of sina Taiwan: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click [I want to complain], Sina help you expose them! (original title: money on the face of the insurance company exclusions "unspoken rule") "buy when there are ten thousand reasons for you to buy, there are ten thousand reasons for exclusions when". Recently, a well-known domestic insurance companies to do the investigation of the Internet users in the commercial insurance industry Tucao brush screen. China’s insurance industry has developed rapidly in recent years, according to the latest statistics in 2016, premium income for three consecutive years. But behind the dazzling data, the insurance industry there are extensive development problems. The insurance agent has brought a surge in the number of rising premiums, but the service can not keep up, difficult claims, lawsuits have become the exclusions surge in the insurance industry widely criticized the problem. In the court accepted the insurance contract dispute, the insurance company’s winning ratio is low. Insiders said that the Business insurance company is the essence of the pursuit of profit, so in some ways there are irregularities, and consumers to buy insurance must polish his eyes, cautious about the contract, once encounter exclusions, to fight, to fight for their rights. In the case of a car repair fee is higher than the market was exclusions in April last year, the public Mr. Ni in Yongan property insurance Qingdao branch of Limited by Share Ltd to buy the loss of vehicle insurance, third party liability insurance, non deductible special insurance, vehicle insurance for your car, the insurance amount is 67900 yuan. 19:10 on October 31, 2015, Mr. Ni friend Mr. Yan to open his car and the bridge collision, causing damage to the vehicle. Identified by the Qingdao Municipal Public Security Bureau Traffic Police Detachment Battalion Licang, Mr. Yan assume full responsibility for the accident. At the same time, Mr. Ni alarm in that after the accident also notify the insurance company. Because the vehicle was severely damaged, Mr. Ni car spent 39000 yuan, plus the assessment fee for a total of 4 yuan, but he did not expect to find the insurance company claims has suffered a decline. The insurance company is the reason given by the loss of the price is too high, the actual value of the vehicle claims now only 33000 yuan, and the amount of the claim has been higher than the value of the car itself. Several unsuccessful negotiations, Mr. Ni immediately to the insurance company to court. Licang court that, Mr. Ni to the insurance company insured vehicle damage insurance, non deductible special insurance, the insurance contract established according to law and effectively, to both parties are legally binding. The focus of the defendant’s dispute is that the defendant should pay the plaintiff the amount of insurance. The Court confirmed the loss of 39435 yuan insurance vehicles. According to the contract, calculation of vehicle loss for vehicles: date of March 6, 2009, the new car purchase price of 67900 yuan, the accident date is October 31, 2015, when the accident happened to the depreciation of 79 months, the monthly depreciation rate is 0.6%, the accident occurred when the actual value of the insured vehicle is 35715.4 yuan. The plaintiff claimed that the loss of the vehicle exceeds the actual value of the car相关的主题文章: