车辆稳妥对于许多车主来说给爱车投保都是重要的一课，既要选对稳妥公司，又要依据实际情况考虑。不过相对于投保来说，让市民头疼的仍是理赔。在这里，宜昌大三峡租车公司和您谈谈理赔的几大误区。

The safety of vehicles is an important lesson for many car owners to protect their cars. It is necessary to choose the right company and consider the actual situation. However, compared to insurance, the most popular headache is still claims. Here, Yichang Big Three Gorges car rental company and you talk about the big mistake of claim settlement.

误区一：先修补后报销

Misunderstandings one: first repair after reimbursement

有些车主，在车辆出险后并不是马上向稳妥公司报案，而是先找修补厂，修完车后再找稳妥公司报销费用，其实这说明他们并不了解理赔的一般程序。

Some owners, after the vehicle is out of danger, not immediately report to the company, but first to find a repair factory, after repairing the car and then find the company reimbursemen costs, in fact, this shows that they do not understand the general procedure of claims.

其实，出险后应首先打110报案，并拿到交警开出的事端职责确定书，以便日后可提供警方的有关事端记录。

In fact, after the accident, we should first report 110 cases, and get the confirmation of the inciden responsibility issued by the traffic police, so as to provide the police with relevan records.

在交警处理完事端后，车主应向稳妥公司报案，稳妥公司会派人查勘、定损，然后才是对车辆进行修补，后提交单证、赔付。

After the end of the traffic police, the owner of the car should report the case to the stable company. The company will send people to check and fix the damage, and then repair the vehicle, and submit the documents and compensation.

如果车主不向稳妥公司报案先修补车辆，在理赔时稳妥公司以为修补费用高出定损的费用，差额部分将有可能由车主自己承当。所以先定损后修车，是对被稳妥人本身利益的维护。

If the owner does not report the vehicle to the stable company first, and in the case of the claim, the company believes that the repair cost is higher than the cost of the fixed cost. The difference part will probably be accepted by the owner of the car. Therefore, the first thing to repair is to *** the interests of the safe person.

误区二：事端职责大包大揽

Misunderstandings two: duties and responsibilities

有的车主以为横竖有稳妥公司赔付，事端中的职责确定并不重要。在进行确守时，有的车主“不怕”承当职责，这是很危险的。由于稳妥公司的理赔依据是交警出具的职责确定书。

Some owners thought that there was a safe company's compensation. The responsibility in the incident was not important. Some owners are not afraid to undertake their duties when they are committed. Because the company's claim is based on the responsibility statement issued by the traffic police.

对于第三者职责险，稳妥公司依据车主承当的职责轻重，拟定了不同的赔付份额。在职责确定中，车主必定要明确职责，不是自己的职责必定不要承当，牢记不要对职责“大包大揽”，防止留下后患。

For the third party liability insurance, the safe company based on the responsibilities of the vehicle owner, has drawn up different compensation share. In the determination of responsibilities, the owner of the car must have a clear responsibility, not his own responsibilities must not be confined to the responsibility, keep in mind not to "package" to the responsibilities, to prevent the left behind.

误区三：出事当然要全赔

Misunderstanding three: of course, the accident should be fully compensated.

消费者往往喜欢进入一个误区，以为我买了稳妥，出了事端就得全赔。其实依据稳妥条例，并非***的事端都能得到全额补偿。

Consumers often like to enter a misunderstanding, think I bought a safe, out of trouble will have to pay. In fact, under the prudent Ordinance, not all cases can be fully compensated.

据了解，一般投保人在买稳妥时，往往只投有危险和强制购买的稳妥，一旦呈现全责理赔，稳妥都要扣除20%的不计免赔率，即只赔80%，其他归投保人承当。

It is understood that the general insured in the purchase of prudent, often only put in danger and *** purchase, once the full liability claims, it is safe to deduct 20% of the no loss rate, that is, only 80%, the rest of the insured.

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