Harvesters are essential machines in modern agriculture, but they can still be involved in safety incidents due to various factors. To safeguard the interests of farmers and users, most harvester manufacturers offer insurance coverage for their products. In case of an accident, users can file a claim following specific procedures. Therefore, it is crucial for users to understand and be familiar with the reporting and claims process.
Currently, vehicle insurance is widely available among manufacturers. For example, the Dongfanghong 4LZ-2.5 self-propelled grain combine harvester comes with three main types of insurance: vehicle damage insurance, third-party liability insurance, and passenger liability insurance. The first two are standard coverages, while the third is considered an additional benefit.
Vehicle damage insurance covers losses caused by events such as collisions, overturning, fire, explosions, falling objects, lightning, storms, floods, and other natural disasters. However, it does not cover normal wear and tear, tire damage, spontaneous combustion, or damage resulting from untrained operation or failure to repair after an incident. Also excluded are accidents caused by drivers without proper licenses, or those involving alcohol or drug use.
Third-party liability insurance protects against damages caused to others—such as personal injury, death, or property damage—by a qualified driver using the insured vehicle. It does not cover mental distress or emotional damages suffered by the affected parties.
Passenger liability insurance covers injuries or deaths of people inside the vehicle due to accidents. The insurance company will cover necessary expenses, minus a deductible based on the user's level of responsibility in the accident.
If an accident occurs, the user should immediately secure the scene and report the incident to the local branch of the Chinese People's Insurance Company. A survey will be conducted, and the user will need to complete a damage statement or repair list. In multi-party accidents, the user must also contact the traffic police to obtain an accident certificate and responsibility determination. Claims must be reported within 48 hours.
To proceed with the claim, the user should prepare documents such as purchase invoices, insurance policy details, damage reports, and any liability or settlement agreements. Then, they should visit the insurance company’s office in their city. After approval, the insurance company will issue a payment notice and settle the claim within 10 days.
When it comes to compensation, all three insurances have a deductible clause. For single-party accidents, the deductible is 20%. If the user is at fault in a two-party accident, the deductible rate decreases to 15%, and if both parties share equal responsibility, it drops to 10%. For minor fault, the deductible is 5%.
In summary, after an accident, protecting the scene and promptly reporting the incident are key steps. Once the damage is assessed and responsibility is clear, the user can move forward with the claim. Insurance companies typically provide fair compensation for covered incidents. Understanding the process helps users handle claims more efficiently.
Manufacturers provide insurance to manage risks and support users. Therefore, when purchasing a harvester, users should pay attention to the insurance options available, including coverage limits and exclusions. This knowledge increases the likelihood of a successful claim and helps reduce non-market risks associated with farming operations.
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