Car insurance is not a panacea
In some special cases, if the vehicle is in danger
Insurance companies will refuse compensation!
Xiaobian has compiled some of the easy for everyone
Neglected "car insurance will not be responsible for claims"
Hope it could help everyone
There is no temporary number plate for the new car, and the temporary number plate expires = no compensation!
If the accident occurs on the road when the vehicle is on the road, the insurance company will not be responsible for the claim, because this behavior is equivalent to the unlicensed vehicle, which is a very serious illegal act. Everyone must pay attention to this.
It is also a must-have for vehicles to carry out annual inspections according to regulations. If you want to avoid the annual inspection and sneak, if the vehicle is in danger, the insurance company can also refuse to pay!
An accident occurred during the repair/maintenance/modification of the vehicle at a commercial location = no compensation!
This situation is not very common, but it has happened. For example, if a maintenance worker drives your vehicle and an accident occurs, the insurance company will not lose it. However, the owner of the vehicle may require compensation for the repair, maintenance and modification of the vehicle.
Hit your own family = no compensation!
According to the relevant provisions of the traffic insurance and third party liability insurance, the loss of property owned, rented, used, managed, transported or escrowed by the insured and its family members, the driver and the family members allowed by the insured belongs to the insurance. Responsibility exemption scope.
The purpose of the insurance company to do this is obvious. It is to prevent the insured from deliberately creating traffic accidents and killing close relatives, thus obtaining huge compensation. This situation is also called “moral hazardâ€. This exemption clause is also to prevent Similar to the occurrence of "moral hazard" accidents. Note: The third party in the third party liability insurance of auto insurance generally speaking, the third party excludes three kinds of people: the insured, the driver allowed by the insured, and the person in the car.
If the item in the vehicle is damaged due to an accident = no compensation!
This situation is more common. For example, if you just bought a TV from the mall and are ready to drive home, it happened that there was a rear-end accident. As a result, the TV installed in the car was damaged. This loss insurance company Will not be responsible for claims.
Reminder:
It is recommended that you try not to place valuables or fragile items in the car to avoid damage caused by accidents. If it must be placed in the car, please fix it firmly to avoid this.
Loss of new equipment = no loss!
The so-called "additional equipment" refers to equipment and facilities installed separately from the original equipment when the insured motor vehicle is shipped from the factory. For example, the installed car reversing image, the installed reversing radar and so on.
It is not lost in the parking lot of the regular parking lot!
Maybe you still don't know, even if you park your car in a regular paid parking space on the roadside, or a more secure underground garage, the insurance company will not be responsible for the claims in case of vehicle theft. The owner can only pass the car. Negotiate compensation with the parking management company.
The insured voluntarily gives up the recovery = no compensation!
Excluding the measure is a virtue for everyone, but not all the sections you think are small. If you give up the right to recover at the scene of the accident, the insurance company will not be responsible for the claim afterwards. High maintenance costs can only be borne by yourself.
Reminder:
I suggest that if there is a slight collision, you must confirm the injury of the vehicle. You should take the insurance and pay compensation. After all, repairing the car is not a small amount of money. Otherwise, if you find that the injury that you think is nothing, the maintenance cost of thousands or even tens of thousands will make you not only depressed, but also no place to reason.
Spiritual damages for people injured accidents / legal fees / arbitration fees = no compensation! In the event of a personal injury, the insurance company will be responsible for the settlement of the medical expenses incurred within the limit of liability. However, if the other party asks you for mental damage, the insurance company will not be responsible for paying the part of the fee. Moreover, if the two parties have different responsibilities for the accident, and a legal dispute has occurred, the insurance company will not be compensated for the contents of the legal fees and arbitration fees. Popular science
What is the limit of liability? Take the strong insurance as an example:
If the accident is the responsibility of our motor vehicle: the insurance company is responsible for paying the maximum medical expenses of 112,000 yuan, including death and disability costs of no more than 110,000 yuan, medical expenses of not more than 10,000 yuan, and no more than 2,000 yuan. Property damage costs.
If our motor vehicle is not responsible, the insurance company will only pay a maximum of 12,100 yuan, including death and disability costs of up to 11,000 yuan, medical expenses of 1,000 yuan and property damage costs of 100 yuan.
In the above two cases, the expenses exceeding the limit part need to be solved by themselves, and the insurance company will not be responsible for claim settlement.
After the crash, the other party asks to pay the depreciation of the vehicle = no compensation!
The “depreciation expense†mentioned here is legally expressed as “indirect lossâ€. If you encounter a rear-end collision on the road, the driver of the other party will buy a new car. If you hit it, it will be worthless. You will be compensated for his corresponding depreciation expense (indirect loss). This part of the insurance company will not be responsible for the claim. of.
The wheel is damaged alone, but the vehicle is ok = no compensation!
If your tire (including the rim) is stolen, but the rest of the vehicle is not damaged, part of the loss is not covered by the car damage insurance. In another case, the vehicle has a puncture, but in addition to the tires, the rest of the vehicle is not damaged, and it is not subject to compensation.
The vehicle headlights are broken separately = no compensation!
If your headlights and rearview mirrors collide or are damaged, but the rest of the lights are okay, the car damage insurance will not be paid. This provision is mainly designed to prevent the repair shop from replacing the old lights in other cars.
The vehicle was stolen, but the lock was destroyed = no compensation!
If your vehicle is unfortunately caught by a thief, but for various reasons the thief has not succeeded, but the lock is destroyed during the theft, this part of the loss insurance company will not be responsible for compensation.
Reporting is not timely = may not pay!
If your vehicle is stolen, you must contact the insurance company immediately, and report the case. If you do not report the case within 48 hours, the insurance company has the right to refuse to pay. We must keep in mind that we have contacted in advance. Insurance companies are always the safest. Otherwise, if you don't report the case in time, you can't pay for it afterwards, just look at the mood of the insurance company and your luck.
There are also road traffic accidents such as accidents such as accidents, drinking, drinking drugs, no driver's license or driver's license according to law, and driving and non-driving vehicles. Therefore, the insurance company does not have any loss or expense. Lost! For the safety of life and property of individuals and others, I hope that everyone can drive!
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