A reader asked him if the trunk of his car was stolen and the lock on the door was broken. Can the insurance company compensate for this situation? Answer: Li Qungang, Automobile Law Department of Henan Guoyin Law Firm: According to the regulations on motor vehicle theft and rescue, not all vehicles are stolen, robbed or robbed, but only the parts or accessories on the vehicles are stolen, so they are exempted from liability. This is the case when the trunk and door lock were pried open in this case; As for the loss of mobile phones or other items in the car, it is not within the scope of insurance liability and also a refusal to pay compensation. Such cases are criminal cases and should be reported to the public security organs. 2 netizen "simple" question: My car is always difficult to hit in the morning. You usually have to take a taxi three or four times. What is the reason? Answer: It is also common to miss a taxi in winter and then turn off the engine, especially in the morning. Wang Wei, workshop director of Zhengzhou Jia Wei franchise store, said that there are many reasons why it is difficult or not to take a taxi. First, the oil lubrication effect is not good, which leads to increased resistance and more engine power loss. Coupled with the poor volatility of gasoline at low temperatures, the compression ratio of mixing with air is not enough, and it will be more difficult to take a taxi. Second, the battery is dead, which shows that the starter starts to rotate but the speed is not enough. The temperature is low in winter, and forgetting to turn off some electrical equipment will cause the vehicle to fail to start. In this case, go to the service station to charge the battery in time. Thirdly, the ignition system is in poor working condition, especially in cold weather, because the intake air temperature is low, the fuel is not atomized well in the cylinder, and the ignition energy is insufficient, which will lead to automobile failure. Fourth, the throttle is blocked by carbon deposit, which will affect the air intake and make it difficult to get a taxi. When this happens, clean the throttle of the engine. ③ Reader Mr. Yang asked Zhengzhou 200 1 minivan how to handle the scrapping procedures. Answer: The staff of Zhengzhou Vehicle Management Office said that the owner needs to go to a qualified enterprise to dismantle the vehicle first, and then go to the vehicle management office to cancel the vehicle with the owner's ID card, driving license, motor vehicle registration certificate and the certification procedures issued by the dismantling company. At present, there are three qualified enterprises in Zhengzhou: Zhongyuan Commercial Material Recycling Co., Ltd., Henan Jin Hui Material Recycling Co., Ltd. and Henan Zhonglian Renewable Resources Co., Ltd. Mr. Lou, the person in charge of Henan Zhonglian Renewable Resources Co., Ltd., said that when handling the scrapping and dismantling of vehicles, individuals need to hold the owner's ID card, motor vehicle driving license and motor vehicle registration certificate, and unit vehicles need to hold a copy of unit code certificate, motor vehicle driving license and motor vehicle registration certificate with official seal. , and to scrap car recycling enterprises to fill in the "motor vehicle registration, transfer and cancellation of registration and transfer application form" and "motor vehicle inspection record form" and go through the relevant procedures. ④ The reader Mr. Zhao consulted, 10 year123 October, and his accident car was dismantled and inspected by the insurance company. After 10 days of repair, it was found that the engine was abnormal when driving at high speed. It was found in the 4S shop that the failure was caused by the deformation of the gearbox bracket of the last accident vehicle, which was a missed inspection by the insurance company. When Mr. Zhao asked the insurance company to coordinate this matter, the insurance company said that this was indeed a missed inspection, but Mr. Zhao had also signed the inspection loss form, and the claim for Mr. Zhao's vehicle had been completed, and the insurance company was no longer responsible. So, in this case, is it the responsibility of the insurance company? Answer: Li Qungang, Automotive Law Department of Henan Guoyin Law Firm: Insurance companies have the responsibility to repair damaged vehicles to a safe state. In this case, the insurance company's missed inspection led to the missed inspection of some projects. Because the fault was caused by accident, you can't shirk your responsibility on the grounds that the customer has signed and the claim settlement work has been completed. Otherwise, it is a violation of the insurance contract, and the customer can negotiate with the insurance company or bring a lawsuit accordingly. ⑤ Netizen "Little Shrimp" asked: When my car was parked in the parking lot, I don't know whose car I rubbed. Not only the primer was rubbed off, but also the scratched part of the car paint and the black car paint of the other party. I can't wipe it off. Can I claim this from the insurance company or the parking lot? How to clean the black car paint? A: Lawyer Li Qungang said that in this case, if the car body scratch is a surface scratch, you need to insure the "car body scratch insurance" to get compensation from the insurance company; If there are signs of being hit, you can claim compensation from the insurance company according to the vehicle loss insurance (there will be a certain exemption rate if no third party can be found in the accident); In addition, if the parking lot charges, it can be understood that there is a factual custody relationship between the owner and the parking lot, then the parking lot is also responsible for compensation; The parking lot is free, only responsible for the intentional and gross negligence of the parking lot. Regarding how to clean up the "dark car" problem mentioned by "Little Shrimp", Wang Wei said that the simplest and most convenient way is to polish and wax this car paint. At the same time, it is recommended not to wipe with gasoline, because gasoline has the function of softening car paint. When gasoline is used to wipe the damaged parts of car paint, it may also cause your car paint to be wiped off.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.