As cars become a must-have means of transportation for more and more families, vehicle insurance has also become the focus of everyone's attention. Many car owners are concerned about a question: if the car has been in accident, can the accident record be eliminated? This article will answer this question in detail.
1.The meaning and importance of automobile insurance: Automobile accident refers to the loss of vehicle damage and personnel caused by accidents during driving. Vehicle insurance records are an important basis for insurance companies to assess vehicle risks, which is related to the insurance cost of car owners.
2.How and when records are kept: Vehicle accident records are usually kept by insurance companies, and the recording methods include electronic documents, **, etc. The retention period is generally 1-5 years according to the insurance contract.
3.Feasibility of eliminating accident records: According to relevant laws and regulations and insurance contracts, accident records shall not be deleted or tampered with at will. Therefore, the car owner cannot arbitrarily ask the insurance company to expunge the accident record.
4.Handling of special circumstances: If the car owner finds that there are errors or omissions in his accident record, he can file an appeal with the insurance company and apply for correction. Relevant supporting materials need to be provided, and modifications can only be made after review.
5.Note: In order to protect their legitimate rights and interests, car owners should understand the insurance terms when purchasing insurance, especially the part about insurance records. At the same time, the owner should properly keep the vehicle driving license, insurance policy and other relevant documents so that they can be presented when needed.
6.Pay attention to query the historical condition of the vehicle: When buying a second-hand car, you must query the historical condition data of the vehicle, you can query the vehicle's accident records and maintenance records, and check the accident car, flooded car, meter adjustment car, etc. For example, now second-hand car dealers will generally check their cars in WeChat applets, enter the frame number or upload the driving book**, you can query the vehicle's accident records, maintenance records, and quickly check accident cars, flooded cars, meter adjustment cars, etc.
Automobile accident records are an important basis for assessing vehicle risk and cannot be eliminated at will. Car owners should understand the relevant regulations when purchasing insurance, reasonably assess the risks, and avoid unnecessary disputes due to misleading behavior. At the same time, car owners should always pay attention to vehicle safety to ensure driving safety and reduce the occurrence of accidents.
This article answers relevant questions for the majority of car owners through the introduction of relevant knowledge of automobile accident records. It is hoped that car owners can understand and comply with relevant regulations, reasonably assess risks, and jointly maintain a good insurance market order.