Recently, Huashang Daily Ersanli Information received a report from Mr. Dong, a citizen of Baoji, that his vehicle normally parked in the mechanical garage was suddenly crushed and the door was broken, and the garage installation and commissioning company reported to the insurance company, and the latter refused to pay compensation after a few months of claim assessment. "This kind of operation is simply a hooligan, I paid more than 30,000 yuan in advance for car repairs, who will bear this loss?"
Accidents fall from the sky
On May 11, the reporter followed Mr. Dong to the "Shuimu Tsinghua" community in Baoji High-tech Zone, where he lived. In front of the three-dimensional parking garage located underground, Mr. Dong said that he had purchased a parking space in the community and had paid the garage service fee and garage insurance fee to the property on time. On 16 February, he received a sudden call from a security guard informing him that his vehicle had been damaged. After arriving at the scene, he found that the right rear door of his car was crushed by another owner's vehicle when it was displaced, and the loss was serious.
Shaanxi Dayang Locomotive Co., Ltd., which is responsible for the installation and commissioning of the garage, received the call, arranged for the staff to rush to the scene and reported to the insurance company that underwrote the "public liability insurance", Dajia Property Insurance Company.
"The insurance company personnel did not come to the scene, but said they confirmed through video and photos from the scene that they could make a claim." Mr. Dong said that with the approval of the insurance company, he drove the vehicle to the car 4S shop for repair. Although the new car he just bought suffered this misfortune for no reason, Mr. Dong also felt unsatisfactory when he thought that the insurance company had a claim.
After three months, the insurance company was denied compensation after repairing the car, what did the insurance company do?
In the process of vehicle repair, Shaanxi Dayang Locomotive Co., Ltd. asked Mr. Dong to pay more than 30,000 yuan in advance for the repair fee on the grounds of financial inconvenience during the Spring Festival, and asked Mr. Dong to issue an invoice with the title of "Shaanxi Dayang Locomotive Co., Ltd. Installation Engineering Branch".
However, after three months, it was not until May 11 that Mr. Dong repeatedly asked the staff of Shaanxi Dayang Locomotive Co., Ltd. about the progress of the claim payment, and was told that the insurance company refused to pay the claim.
Faced with this situation, Mr. Dong was stunned all of a sudden. He said, "If you don't make a claim, why didn't you notify me earlier?" The car repair plan was approved by the insurance company; The car repair invoice was asked for and accepted by Dayang Company, and now the sentence 'refusal to compensate' is over? If I refuse to make a claim, I can tell me in advance, I can use my car's insurance to make a claim, but now after so long, I have missed the opportunity to insure my car for car damage, and the economic loss is put aside first, and there is no apology? ”
The insurance company was complained by the garage installation company The vehicle 4S shop said that it had not seen such an operation
Mr. Deng, who was in charge of handling the matter at Shaanxi Dayang Locomotive Co., Ltd., said that at first, the insurance company recognized the damage and carried out the claim process, but later refused to settle the claim because it was "not a fault of the garage itself". He admitted that he received the information of the insurance company's refusal at the end of March, but he never told Mr. Dong that he and the insurance company had been negotiating to settle the claim as soon as possible according to the promise, and the company had also complained to the insurance company several times for this.
On May 13, the staff of the car 4S shop that repaired the car issued the information record of the insurance company's staff and repairman to the reporter, and the chat record showed that the insurance company staff confirmed it with the words "received" and "good".
The staff of the car 4S shop said: "I have never encountered such a thing, if the insurance company does not pay the claim, how can the repair plan be decided?" Won't Mr. Dong, who is paid, decide? Now that the claim has been settled, it should be honest."
The reporter contacted Dajia Property Insurance Co., Ltd., and the customer service said that it would contact the claims department to reply after verification, but did not receive a reply as of press time.
Huashang Daily reporter Dong Xiaoming editor Wu Ning