Why do some owners think that their own insurance is full of insurance? Why did the insurance company refuse to pay? I am telling the owners of the small series here. All vehicle insurance is not a panacea. Even full-risk insurance companies will not pay! Please pay attention to riders! 1. Drunk driving, driving without a license, no annual inspection, no compensation In violation of traffic regulations, quasi-drive types, high-speed driving during the internship, etc., the insurance company must have refused to pay. Since the insurance is only valid for qualified vehicles, vehicles that fail to pass the annual inspection can only be regarded as unqualified vehicles and therefore will not be paid. Traffic insurance is still responsible for vehicles that have not been inspected annually. 2. Mental loss or indirect loss is not lost Most of the insurance provisions will have the following provisions: Any loss of the mind due to an insured accident is deemed as a liability exemption. Indirect losses are also not compensated by insurance companies in most cases. 3. Fire after flooding, improper operation is not lost When the garage is flooded or when the engine is turned to the depth where the engine stalls, the engine will be damaged due to fire again. The insurance company will determine that it is not operating properly and will not pay. In case of this kind of situation, do not forcibly start the ignition, but get off the vehicle and push it deeper into the water. 4 new equipment on the car does not lose The owner of the car has installed audio equipment, luggage racks and other equipment to be damaged in accidents, and insurance companies will not compensate these newly added equipment. Unless the owner is insured "new equipment loss insurance." 5. The damage to the interior of the vehicle is not lost. The articles in the car refer to perfume bottles, pagodas, etc. If the driver or passenger is picked up in the event of an accident, the insurance company will not pay. If you break the windshield, I'm sorry, the insurance company still does not pay. 6. Loss of car contents is generally not lost The scope covered by auto insurance robberies is generally limited to the vehicle itself. Once the vehicle is stolen, the insurance company will only make claims for the vehicle itself, and it is generally not responsible for the in-vehicle property insurance company. After being parked normally, insurance companies generally will not compensate for the loss of valuables in the vehicle. If the vehicle is stolen, it must report the case to the public security organ at the same time, report the case to the insurance company, and must at the same time prove that the public security organ has not solved the case within three months, otherwise, the insurance company does not pay. Moreover, the insurer does not compensate for all the 80% of the vehicle's market value for stolen vehicles. 7. Some parts are stolen If it is not the entire vehicle that was stolen, but the spare parts such as tires, audio equipment, and vehicle signs were stolen, the owners could only think that they were unlucky. Insurers generally stipulate that “non-whole vehicles are robbed, only parts or attachments on the vehicle are stolen, robbed, looted, damaged†as an exclusion. 8. Accidental collision with family members The so-called "third party" in insurance is excluding the following persons: the insured person himself, the driver and family member at the time of the accident of the vehicle, and the family member of the insured. If you run into your own family while driving, you can only pay for yourself. 9. Avoiding illegal vehicles rushing to the flowerbed without compensation The responsibility of the third party causes the loss of your vehicle, but for various reasons to give up the right to seek compensation from the other party, it is equivalent to giving up the right to seek compensation from the insurance company. Such as avoiding illegal lane change vehicles, causing themselves to rush to the flower bed and it escaped. The correct approach is, once there is a responsibility in the other party, do not give up the right to claim the other side, if there is no result, then find the insurance company claims, and the right of recovery handed over to the insurance company. In addition, the accidents of both parties have been resolved by the traffic police, and the responsibility certificate is an important basis for insurance claims. 10. The repair shop does not accompany, the trailer is not insured If a vehicle crashes or is stolen during the repair or during the trailer, the insurance company generally will not compensate, because the repair shop has the responsibility to properly maintain the maintenance vehicle. In addition, some insurance companies’ insurance clauses generally also stipulate that they are not responsible for compensation for damages incurred during the “competition and testing†of insurance vehicles. However, there are individual insurance companies that have introduced the “Scooter Expenses Insurance†insurance, which can get a car rental fee during vehicle repairs. The accident caused by a flat tire on the road is not lost, the tire burst is a natural aging phenomenon of auto parts, and auto insurance claim conditions are accidents and other accidents of the car, so the car tires will not be settled, that is, when When a car accidentally collides with a flat tire, the insurance company generally only calculates the claim rate for the accident. If the accident occurs due to a tire burst, it depends on whether the cause of the accident is related to the flat tire or not.
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