What if the car is stolen?
When your car is involved in motor vehicle theft rescue, once it is found to be lost or stolen, how to handle insurance claims? You can follow these steps:
First, go through the reporting procedures in time, be sure to keep the scene of the accident and report it to the public security criminal investigation department within 24 hours (1 10).
Two, in the city newspaper where the case occurred, published searching for you, and save the current newspaper; Go to the vehicle management department to open a cold case certificate.
Third, provide relevant materials. Original insurance policy, accident notice, lost list, car key, original driving license and supplementary card, copy of driver's license, original car purchase invoice, surcharge voucher, newspaper notice of car search, parking lot certificate, original parking fee receipt, right transfer form, public security report acceptance form, three-month unsolved case certificate of public security criminal investigation department, file sealing certificate of vehicle management department (or registration form for cancellation of stolen vehicle license plate), and road maintenance fee suspension certificate.
Fourth, estimate the loss. If the vehicle recovered within 3 months after being stolen or robbed belongs to the insured, the insurance company shall compensate according to the actual repair cost; When the whole car has not been recovered after being stolen for three months, the insurance company will compensate according to the actual value of the car at the time of the accident (that is, the purchase price of a new car at the time of the accident minus the depreciation of the service life of the car), and make an absolute deductible of 20%. If the insured cannot provide the driving license, original car purchase invoice and surcharge certificate, the deductible will be increased by 0.5% for each missing item. After the insurance company claims, if the stolen vehicle is recovered, the insurance company can return the vehicle to the insured and recover the corresponding compensation; If the insured does not want the original car back, the ownership of the car belongs to the insurance company.
How to prevent car theft
1. The burglar alarm must be installed regularly.
Many cars have original anti-theft devices. But some cars, especially middle and low-grade cars, may not have this kind of equipment, or they are very primitive equipment. Installing anti-theft devices will increase the difficulty and risk of thieves stealing cars. It is suggested that the owner consult the automobile manufacturer before installation whether it is necessary or possible to install, and be sure to go to the regular dealer to buy branded goods. Otherwise, the manufacturer may refuse the warranty on the grounds of changing the wiring privately, or the vehicle may fail due to the installation of non-standard and non-standard products.
Don't put your bag in the car.
Cars and suitcases are not the safest places. Many car owners are patronized by car thieves because they put their clothes and bags in their cars.
3, as far as possible to buy a dedicated "car anti-theft rescue"
Especially for some high-end cars, a small amount of insurance funds will minimize the risk of losing cars.
When parking safely, the front of the car should be outward.
Parking the car in the toll parking lot with a special person in charge can greatly reduce the risk of vehicle theft. If unattended, try to put it in a place with a large flow of people, or the front of the car faces outwards, which will increase the psychological burden of thieves and make them afraid to start easily.
5. Stop the car. Try to choose * * blocks for parking.
If the car needs to be parked outdoors for a long time, it is best to remove the distributor in the distributor, or remove an ignition lead, so that even if the door is pried open, it is not easy to be stolen.
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