Top Auto Insurance

Since we decided that penetrates the bilateral insurance company to solve the accident voluntarily, then on to the
insurance company reported voluntarily with looks for the repair shop to repair a vehicle voluntarily. Therefore is gives
my automobile insurance company to telephone to report the accident condition.

The insurance company operators also calculate very human nature, calls me not to use hurriedly, passes through the
accident detailed describes minutely as far as possible states to her, including my car license and chit number and my
Jia Zheng, accident spot and time and opposite party car license and chit number and eyewitness’s telephone and so on.
Also asked whether the vehicle still however may open and whether there is the personnels be injured and so on. Then gave
me one to accept the number, has decided several days of later validating the car time, told me not to want the car wash
and so on. This reported finished, before validating the car these days, my vehicle still however may start off the use.

To validating the car that day, I the leaving home recent adjustment center which drove to assign (Claim Center),
some special adjustment personnels have received me, was a woman, was very polite, after saying several, starts to
photograph to validate the car and to repair the expense appraisal. In this period I told her truthfully, on the vehicle
bumper had an old wound, was before when some back-draft friend “masterpiece”, but was not very serious, has not gone
to repair.

Pats, has given me an appraisal bill, told me to be possible to look for any to have the intelligence repair shop
depending on this only to repair a vehicle, they settled accounts with the repairing a vehicle factory.

Here automobile insurance will have taking care of oneself part (Deduction) when the adjustment, little more than
$200 $500 different, in you buy the insurnance may optional, certainly elects $200, the insurance premium will be higher.
Once therefore your vehicle had the accident, if you have the responsibility, must pay this taking care of oneself part.
Also for instance, your vehicle glass has been pounded by the human, or the vehicle is bumped in the parking lot by the
human has run could not find the person concerned, you must pay this taking care of oneself part. Because this time
follows the accident is opposite party takes full responsibility, I am informed not to need to pay this taking care of
oneself part, the estimate am the opposite party pay.

Three. Repairing a vehicle three waves to a single stroke:

Before repairing a vehicle, I to online looked up some materials, obtained some useful news to have some small
problems in http://insurance-auto.cz.cc website.

Then nearby looks for the repair shop which the family automobile insurance company has authenticated, hands over
to appraise the list, those who stem from me to anticipate, the repair shop boss said that I must pay he $150 US dollars
expenses. I very much did not understand that asking was any expense, the boss said was the rear bumper painting expense.
Originally when automobile insurance company appraises is only responsible for the reserve box lid’s repair expense and
is responsible for replace a new rear bumper, not including rear bumper painting expense. The new bumper is the black
color, after exchanging, must press automobile body’s color to spray paint will again be consistent with the body color.
Oh, is really troublesome!

Certainly I thought that cannot understand, the estimate is the automobile insurance company thinks on my bumper
has the old wound reason. Therefore contacts with the automobile insurance company again, makes the time in advance,
several days later, the same adjustment received me, I had formerly estimated well, because on the bumper had the old
wound, therefore was not responsible for the painting expense, and said plausibly she outside the law has shown mercy to
me has traded a new bumper, has the old wound words reasonably, the automobile insurance company may not be responsible
for bumper’s repair expense. I am not certainly convinced, told her, although on my rear bumper had the old wound, but
this old wound has not had seriously to needs to replace the new bumper, did not affect continuation of vehicle to use
normally, if did not have this accident, I absolutely was not unnecessary to repair a vehicle to trade the bumper, did
not need to spray paint. Why I must bear this painting expense, this point am unfair. However negotiates fruitless, along
a prescribed path said to such foreigner was equal to had not said. But I have to propose that must throws to his manager
or the manager sues, the result manager, does not have in advance to make week of later time unfortunately that day.

A week later, the manager has received me, but also calculated that is quite polite. Certainly the manager also
repeatedly stressed the similar reason, and said that this has the stipulation. I also emphasized my reason, does not
have the accident not to need to replace the bumper. Back and forth several from now on, the manager proposed that may
leave 75% spurting paint expense to me, I want to improve also receive, do not hold too firmly.

After arriving at the repair shop again, leaves behind my vehicle, the boss provides one to open with the vehicle
to me temporarily. Three days later brings back vehicle which has fixed. This completely tube repaired a vehicle has only
used for three days, but back and forth negotiated in the Rhodes island all things all full rhythm place actually spends
half a month.

Four. Conclusion:

This experience is very interesting, cannot lower one’s guard to the automobile body small wound, has the payment
which the possibility causes should obtain to earn unable to obtain