车辆出险后,报案时应注意的几个方面

格林

“买车就要买车险，交强险是必须保的，那商业险是不是也必须保？但我听说发生事故多了，第二年可能被拒保，有这事吗？”这个问题很多车主都可能会遇到。驾车上路难免会有“刮碰”，如何理赔却成了每一个新晋司机的必修课。
　　损失500元以下最好别报保险
　 　上个月底，张先生的车被亲戚借用后发生了追尾事故，张先生的车负全责，但车损不严重，对方只是刮掉了点漆，修车费用不到300元，自己车的修理费用也只 需300元左右。张先生购买的是7000元的全险，今年已经发生两次理赔，如果第三次理赔，明年保费将上涨10%，而这次修车的费用总共才600元左右， 如果报案，同时还要面临交警的罚款，还要面临第三年保费上涨20%的风险，所以算来算去还是自己掏腰包更划算一些。
　　“500元以下能修的就自己修不必报案走保险，因为只要出险报案，无论大小就算一次事故，而且出险达到一定次数，保费上浮甚至会遭到拒保。”安华农业保险长春分公司理赔部李经理表示。
　
　报案超过6次，可能被拒保
　 　据了解，各汽车保险公司，在保费浮动规定上，各家存在细微差别。同时由于目前大部分公司已经联网，所以上一年理赔次数达到3次(有些是两次或4次)的，下一 年保费会上浮10%；上一年理赔次数超过4次的，下一年保费上浮20%到30%左右；理赔如果6次及以上，保费会上浮100%甚至200%，第二年还可能 面临被所有保险公司拒保的可能。
　　保费上浮的产品也各不一样，比如有的上调三责险保额，有的则规定车主只能购买豪华型保险，反之，如果上一年没有出险，下半年的保额会下降10%，随着年份的增加，下降幅度也增加。
　　报案之前，最好明确责任
　 　平安保险公司工作人员表示，出大事故，维修费用高昂，车主会毫不犹豫找保险公司。如果只是小刮小蹭小事故，报保险理赔担心明年保费上涨，不报保险自掏腰 包，又怕吃亏，每年保费还不便宜，所以多大金额的事故值得走保险，主要看交警对事故的责任认定，责任分为：主责丶次责丶全责和等责，不同责任走的保险的方 式也是不一样的。
　　华安保险公司的工作人员提醒以下两点：一在发生事故的时候，一定要对自己的责任心中有数；二经常查看保险条款，明白“除外责任”即对保险公司不赔的有所了解，等到与汽车保险公司交涉时或许就能派上用场。



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