As a car owner, had to spend a large sum of money to buy all yearAutomobile insuranceAfter be or get out of danger, but often suffer from the insurance company cold-shoulder treatment -- insurance exclusions, this let many owners frustrated. In fact, the fundamental reason lies in the provisions of the insurance clause and insurance exclusions for claims made in detail, and these Provisions are often ignored by the insured, which has caused the N after be or get out of danger without compensation.As owners, not only to understand what insurance companies actually paid, the more to understand not lose what, draw on the advantages and avoid disadvantages, minimize the loss of their own.

　　Do not lose one of drunk driving

The case last year in late August, Mr. Sun in driving and other vehicle collision accident. Afterwards, the traffic police department that Mr. Sun drunk driving, should bear full responsibility. Mr. Sun asked the insurance company according to the third party liability insurance coverage. He thinks, according to "road traffic safety law", the motor vehicle traffic accidents caused casualties, property loss, the insurance company in motor vehicle compulsory third party liability insurance compensation limit. However, Mr. Sun to insurance company claim it was "cold-shoulder treatment".

Do not lose reason: the insurance company claims personnel expresses, the company has made it clear that in terms of the insurance policy, the insurance company is not responsible for due to driver drinking caused by the loss or economic liability. China's "insurance law" also stipulates, insured persons at increased risk of the subject matter of the insurance case fails to fulfill the obligation, the insurance company does not assume therefore accident liability, as is the case of drunk driving.

Daily reminders: most drivers know, drunk driving is illegal, once discovered will be dealt with the traffic control department. But not all the people are aware of drunk driving will not receive compensation. According to the relevant source, drunk driving is generally divided into two types, one is drunk, dangerous driving drunk driving knowledge. One is the only drink a little wine, the accident was mainly due to negligence caused. For drunk driving, commercial three party insurance is clearly not to pay, cross strong insurance provided by the insurance company to pay the rescue expenses. According to the provisions of the State Quality Supervision, inspection and Quarantine Bureau in May 31, 2004 released "vehicle drivers blood, breath alcohol content threshold and inspection", the content of alcohol in the blood of the driver is greater than or equal to 20 mg per 100 ml, and less than 80 mg per 100 ml for driving after drinking; blood alcohol content greater than or equal to 100 ml 80 mg for drink driving.

Still remember that sentence: drink not drive, drive not to drink.

　　Do not lose the two unlicensed vehicle accident

The case of Mr. Chen spent about 100000 yuan to buy a new car, new car insurance and the car caustic danger, whole vehicle pilfer, third party liability insurance, first to pay the premium. But exceeding one's expectations, less than a week, in the plate has not been run on the occasion, Mr. Chen's car was stolen. In the report and many times to find no fruit, so, Mr. Chen to insurance company claim for compensation, but was rejected.

Do not lose reason: there are special provisions: "new car insured under this policy the whole car robbery liability insurance liability" into effect since the date of licensing vehicles, because they have not received the license plate, so the insurance company is not liable for compensation. According to insiders, car insurance car insurance, third party liability insurance and other additional risks can be usedEngineNumber, frame number registration, after be or get out of danger can accordingly finds. And the whole vehicle pilfer is different, only the formal license to show the identity of vehicles, no license plate number no way for vehicle registration, once the vehicle is stolen, unable to confirm the identity of the vehicle, the insurance company is a big risk, so the insurance company requires that only in the motor vehicle registration, before the official start assume insurance responsibility. Mr. Chen lost vehicles in before the licence, pilfer insurance liability has not yet started, the insurance company is not responsible for compensation.

Daily reminders: the vehicle at the time of the accident vehicle claims in insurance, must have two conditions: one is the insurance vehicle shall be issued by the traffic control department of the public security vehicle license or license plate; the two is the traffic control department of the public security inspection within a specified period of time. Therefore, to remind consumers, in the new car the sign before, be sure to protect your car was stolen and not.

At the same time the need to remind the owners, once the accident and overload, the insurance company can also overload as the reason for the refusal. And has expired for driving without a license or driving license validity period, the insurance company will decline, the reason is very simple: the insurance is not available.

　　Do not lose three without inspection car be or get out of danger

A friend opened a caseJettaThe car for two years, the insurance every year, so the car's security is very confident. Not long ago, the loss of the vehicle. Go to the insurance company to claim, the insurance company is the answer: do not lose! Because the car had failed the inspection.

Do not lose reason: according to the contract of insurance, insurance applies only to eligible vehicles, the vehicle can not part of deemed unqualified vehicles, in this case, you have insurance is white. Reporter from the Beijing property insurance company to understand, because the vehicle failed the inspection and exclusions happen every year.

Daily reminders: consumers must be timely inspection, even for a day, and don't be late. Otherwise, a small matter, exclusions. The car lost not lose, car damage can not lose, even if the occurrence of traffic accidents caused by the loss of third persons, three party insurance does not come into force, all the compensation will be borne by your own, insurance white bought.

Understand according to the reporter, Beijing motor vehicle inspection is provided, the new car in the purchase a car after second years the annual inspection, and the detection of gas; more than 1 years, 6 years of non operationCarCar is a two years inspection, detection of exhaust emissions each year. More than 6 years, 10 years within the vehicle, an annual inspection of motor vehicles each year; more than 10 years to test two; motor vehicles each year for more than 15 years of test 4 times, when the test is unqualified, compulsory retirement.

　　Do not lose the four driver has not limited

Ms. Liu open caseFukangThe car for 5 years, one day in 2006, in the normal running, because from passers-by into stone railing on the bridge. The personnel on the car did not suffer serious damage, but the vehicle was seriously damaged. The car is insured the car damage insurance, an insurance company, pilfer, three party insurance, non deductible insurance 4. But insurance companies to report, but the insurance company refused.

Don't lose the reason: the insurance company gives the reason is: because Ms. Liu has not examined. Has written the insurance clause, if the driver has not limited or no driver's license, the insurance company is not responsible for compensation. Because there is no limited or no driver's license, it is impossible to prove that you have the qualifications to drive, the country does not allow you to drive on the road. The insurance company will not pay for the "unqualified".

Daily reminders: seriously, don't be afraid of trouble, when the annual inspection to limited. Otherwise, a small matter, exclusions. Now the majority of driving license is not examined, to 6 years a replacement, it must be on the card time in mind.

　　Do not lose the five drove their own people

Drove home situation is rare, but it has happened before, in this case was a sensation throughout the country.

The case of Mr. Liu drove a car in BeijingJeepApproaching the door, do not know how to engage the knocked down a pedestrian. Mr. Liu to get off a look, his wife MS ho. She was injured for more than a month of hospital, spent several million yuan. His wife during hospitalization, Mr. Liu think this car on the three party insurance, can claim with the insurance company, the insurance company refused.

Don't lose the reason: the third party liability insurance is the third party except the insurer and the insured, accident insurance vehicle causes the personnel or property insurance vehicles under the damages in the car under the victim. Generally speaking, the third is the exclusion of 4 kinds of people: the insurer, the insurer is the driver, car accident and their family members. Not only in the insurance, the relevant provisions in other liability insurance also.

Daily reminders: drive or safety first, don't say oneself person, others also can't hit!

Do not lose six in the parking fees in the lost car, scratch

Case Miss Lee family live a village near Sanhuan, some parking spaces draw between residential building and building, is a ground parking lot.

Miss Li every month should pay to the property 300 yuan parking fees. In June last year, Miss Li's car park is lost in the community. Miss Li as insurance against all risks, so she to pilfer to insurance company claim for compensation. Unexpectedly, the answer is: those who lost his car in the parking fees, insurance companies do not lose!

Do not lose the reason: in accordance with the provisions of the insurance company, all vehicles in the parking fees or business shop is stolen, the insurance company shall not be responsible for compensation. Because these places have custody of the responsibility of the vehicle, in the storage period, the safekeeping party caused by the vehicle is damaged or lost, the depositary shall bear the liability, the insurance company is not responsible for compensation. Therefore, either the car, or scratched, the insurance company shall no matter.

Daily reminders: the right way is to find a parking lot to claim. Therefore, the driver must pay attention to parking charge parking fee receipt. Although many of the relevant provisions of the parking fees to write "loss no matter", but according to the regulations about the format of the contract in the contract law of our country, which belongs to the unilateral shirk responsibility, such as can not be resolved through consultation, resort to the law. It is reported, at present already have won this lawsuit.

　　Do not pay the full responsibility for each other you don't recover seven

One morning the case last April, small car collided vehicle misfortune and others, serious injury. Because the other party drink illegally on the road, not my responsibility. But after the incident, they don't want to lose money to lie. Xiaozhu don't want to tell each other the entanglement, the direct claim to the insurance company, the insurance company refused.

Do not lose the reason: the insured person must first claim to the third party, will it be possible to get the compensation of insurance company. Once dropped to the third party the right of recovery, will give up the right to demand compensation from the insurance company.

Daily reminders: once the danger and responsibility is in the other side, we must first find them lose, fail (the best is proof that the enforcement court failed), can be in the right and self-confident for insurance.

　　Do not lose the eight did not promptly report or unauthorized repair of vehicle

The case Wang in suburban driving, accidentally hit a big stone, leading to water tanks Water Leakage, panic, Wang came to find a repair shop repair went on. Back to the city to remember the report, but the insurance company to Xiao Wang did not timely report and repair refused to compensate.

Do not lose reason: because did not promptly report to the insurance company, insurance against accident liability or loss cannot be identified, according to the insurance contract, the insurer has the right to compensation for the loss of the accident.

Without the insurance company nuclear damage, or to repair the vehicle, the insurance company will also decline.

According to the contract of insurance "insurance vehicle insurance accident due to damage, should try to repair. Vehicle repair of the insured person shall be jointly with the insurer inspection, determine the project, and the cost of repair, otherwise, the insurer has the right to re approved or rejected the compensation agreement ", after insurance accident happens without insurance company approved by the loss, the insured shall not arbitrarily to vehicle repair. Otherwise, the insurance company shall have the right to re approved, and refused to compensate.

Daily reminders: place within the insurance after the accident, the insured shall take reasonable protection, rescue measures, and immediately report to the traffic control department of the public security, at the same time to report in 48 hours to the insurance company. Don't do sth without authorization to vehicle repair, such as insurance companies to charge after repair.

　　Related links

　　The insurance company said that "the other ten are not" on your auto insurance claims

A: the earthquake without compensation

Follow the most property insurance is not insurance earthquake Liability Convention, destroy your car suffered earthquakes and other force majeure, the insurance company will refuse to compensate for the losses. Due to the lack of data and experience, insurance regulators do not encourage insurance companies.

　　Case two: the spiritual loss not paid

Most of the insurance clause would have similar provisions, "caused by the accident insurance of any mental compensation as the liability exemption".

　　Case three: during the repair period loss not paid

Repair factory is responsible for the safekeeping of repair vehicles, therefore, if the vehicle is any collision, theft losses during the repairing period, the insurance company will decline.

　　Case four: lead the engine inlet engine damage

The insurance company that the damage is due to improper operation, when the vehicle is moving to the water depth, the engine flameout, pilot and forced ignition caused damage. This provision in the 2005 Beijing summer rain gradually surfaced.

　Case five: a break

The damage did not occur in other parts of the body of the vehicle, only individual wheel damage without compensation. Of course, becauseTireBurst caused by collision, rollover accident, cause other parts of vehicle loss, insurance companies are still responsible for compensation.

　　Case six: a car crash on items not paid

If the vehicle is loaded the car or the roof of goods damaged, the insurance company is not responsible for compensation.

　Case seven: the tyre lost, stolen not lose sound

If not the whole car stolen, only parts such as tires, audio equipment is stolen, the insurance company is not responsible for compensation.

　　Case eight: not insurance car crash without compensation

Because if the car towing a no insurance third party liability insurance of vehicles on the road, and other vehicles collided and take full responsibility, the insurance company will not make any compensation.

　　Case nine:A lampOr mirror alone and broken without compensation

This disclaimer is in order to deal with some repair factory previously replaced broken lamp fitted to the other car models on the same fraud, fraud claims.

　　Case ten: its own set of equipment without compensation

The owner himself with audio, radio, refrigerator, tail, luggage rack, if not this separately insured, once hit by losses, the insurance company will not pay for it.

Attention! The 07 edition of the new vehicle insurance changes many controversial

[Print the manuscript[]To enter the Forum[]Refer a friend[]Close the window] In 2007 03 months 21 days 13:10

April 1st to private insurance owners will face new version 2007 commercial vehicle insurance terms and premium rates. China Insurance Regulatory Commission recently approved Chinese Insurance Industry Association Declaration of insurance, B A, C three (07 Edition) industry insurance scheme, and decided to April 1st onwards.     Background:     Recently, the basic provisions formulated by the Chinese Insurance Industry Association's new commercial motor vehicle insurance industry (hereinafter referred to as the insurance industry terms) has been officially acquired Chinese Insurance Regulatory Commission approval (in terms of number: PICC clause No. [2007]1, No. 2 and No. 3), will be officially opened on April 1, 2007. The operation of commercial insurance business of insurance companies can choose to use the insurance industry terms or independent development of auto insurance terms, and to the development of supplementary insurance products and other characteristics of insurance products in terms of the insurance industry on the basis of.     It is reported, in July 1, 2006, with the implementation of the compulsory motor vehicle traffic accident liability insurance, the Insurance Association of Chinese is introduced including the vehicle damage insurance and commercial three party insurance 2 categories of A, B, C three sets of commercial insurance products. The running results show that insurance market in the first half of 2006, industry terms introduced to reduce the insured understanding insurance clauses of difficulty, protect the insured, the insured interests, have a positive role in promoting the development of auto insurance market. In order to further play the role of industry products, and earnestly safeguard the interests of consumers, improving the market environment, and solve the new situations, new problems appearing in the operation, Chinese insurance industry association established the insurance industry in terms of development project, based on the 2006 edition products industry, after a revised and expanded, eventually completed the development of the insurance industry terms.     The new car insurance issued notice seven changes     From the beginning of April 1st, the vehicle insurance companies will be united with a 07 version of commercial insurance (divided into A, B, C three). The new car insurance clause, premium discount rate, have undergone some changes, need your attention. In March 15th, the reporter interviewed the relevant insurance companies, give you a comparison.     A change in     The rate of rise and fall     No matter how to change insurance, the insured can be combined insurance according to their own needs, but no matter how insurance, the price is the applicant is most concerned about. In the new version of the A payment rates, insurance and the old funds completely the same; in the new version of B, the older version of vehicle insurance comprehensive reduction rates.[Read the whole passage]     Change two     Pilfer can be arranged separately     The 07 edition of commercial insurance A, B, C terms are daochengjian as insurance. Insurance companies could decide the vehicle officers liability insurance, insurance of insurance or pilfer. Reporters from the Sunshine Property Insurance Company, Tianping auto insurance, the insurance and the Pacific Insurance was informed, its most choose the two originally of insurance products upgraded based insurance.[The main risk daochengjian upgrade]     Change three     Drink lost car China Insurance Company     In the 07 version of vehicle insurance, A, B, C three models are provided "driving with alcohol, smoking or injecting drugs, anesthesia drugs were used motor vehicle insurance" is the exemption clause. That is to say, drink your car insurance company will decline. [Drink lost car will not get health insurance]     Change four     Three additional risks have said     The new car insurance also will be the first time the additional risks commonly used are united. Additional risks A products include car personnel liability insurance, pilfer, breakage of glass, body scratch damage insurance, optional deductible clause, irrespective of percentage clause. Additional risks B products include breakage of glass, body scratch loss risk, basic risk irrespective of percentage clause. Additional risks C products include breakage of glass, body paint alone injury insurance, and set the car damage deductible clause and the basic insurance, non deductible clause. [Additional insurance prices generally rose]     Change five     Renewal discount unity     The 07 edition of "excellent commercial insurance will give owners" discounts are further unify. Last year without insurance indemnity, can play ten percent off renewal; for 2 consecutive years without compensation, to be twenty percent off; for 3 consecutive years and above without compensation, can call thirty percent off. [Read the whole passage]     Change six     The condition of different discount in different         The new car insurance provisions, city renewal, the insured vehicle mileage average less than 30000 km, three products offer was ten percent off; and the average annual run more than 50000 kilometers, the premium to increase 10%-30%; belongs to the old, old, new, special type, the premium will rise until double in three. [Read the whole passage]     Change seven      Private car spontaneous combustion can be compensated     In the 07 version of the B car caustic danger in paragraph, "spontaneous combustion" non business enterprises or institutions that private car spontaneous combustion vehicles is written into the insurance liability, that is to say, the new B car loss the insured vehicle, once the spontaneous combustion can gain compensation. [Read the whole passage]