Many people know that after buying a car, they have to insure various types of insurance, including compulsory insurance, but they do not know that these auto insurance policies can be surrendered. The insurance contract is actually an insurance contract that insurance companies and policy holders voluntarily conclude, according to private law. The principle of autonomy in the field means that the parties have the right to rescind the contract as long as they do not violate the parties’ agreement and legal provisions.
There are many unclaimed terms in the claims of the owner, and it is possible that when the 4S shop buys insurance, the salesperson is brainwashing and buys auto insurance that he doesn’t need at all. In these cases, you may want to surrender. Now. However, surrendering is not unconditional, otherwise the interests of insurance companies can not be guaranteed. Therefore, we first look at what conditions need to be surrendered.
There are different surrenders for commercial insurance and compulsory insurance. These can be seen in the surrender clauses of insurance companies. First of all, the surrender conditions for commercial insurance include a total of five items: The policy must be in the validity period; the insured must repeat the insurance coverage. Insurance; The insured vehicle was resold, transferred, or presented to a place outside the seat of the place where the vehicle was registered; the new vehicle was recovered due to quality problems or was not accepted by the user; during the validity period of the insurance policy, the vehicle did not report or make a claim to the insurance company. After surrendering insurance, pay attention to the last one. If the car is reported to the insurance company, it will not be surrendered even if it has not been compensated. In addition to these five conditions, there are three conditions for surrendering the diplomatic insurance: the deregistered insurance car; The car is parked; if the insured vehicle is proved to be lost, in addition to these three items, the TAC insurance cannot be surrendered.
The following describes the general procedure of surrender, first of all need to submit an application for surrender to the insurance company, which should explain the reasons for surrender and the time from the beginning of surrender, their signature or stamp, and to the insurance company. Secondly, the relevant department of the insurance company issued a declaration for surrender, the insurance company will issue a surrender declaration based on the surrender application submitted by the client. The approval will state the surrender time and the amount of the surrender fee. Will recover the customer's car insurance policy. Finally, the customer arrives at the insurance company to receive the retired insurance premium. Receiving this fee requires a renewal approval form and my valid identification. As long as the materials are in place, the insurance company's finances will be refunded to you for the corresponding insurance premium.
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