[Hao Yang painting] to buy insurance, you have to carefully read the disclaimer on the contract? This problem, believe that dare to clap a chest, confident that the person is not seen in most. It is because the owners buy insurance do not understand the content of the exemption clause, resulting in a dispute, both sides each sticks to his argument, and finally to "check evidence of both parties at court". Today we talk about 10 easily overlooked insurance does not compensate the situation.

     (Note: the following 10 kinds of circumstances, in addition to the fourth and the six two are only for the third party liability insurance and loss of vehicle insurance, the rest are suitable for four basic risks (commercial third party liability insurance, the vehicle damage insurance, whole vehicle pilfer, car personnel liability insurance)

     

1 new car without licensing, no temporary card or cause during the temporary card expired loss, not to compensate

       In the car the basic insurance exemption clause four categories, are clearly defined, unless otherwise agreed, otherwise the insurance accident occurs when no issued by the traffic administrative department of the public security organ legally valid driving license, license plate, or temporary plate or temporary mobile card, insurance company will not compensate.

 

Expert proposal, to purchase insurance for only a temporary license plate car, with the insurance company in advance to make temporary license plate in separate aspects of the agreement.

 

The 2 vehicle is not within the specified time or not passed the annual inspection accident damage, do not lose

       Vehicle did not pass inspection or fails to timely inspection, are not legitimate road. Auto insurance exemption clause, non motor vehicle safety and technical inspection or testing inspection within the period specified is not passed, road traffic caused by the process of loss, the insurance company shall not compensate.

 

Therefore, we must pay attention to this matter without inspection, vehicle inspection, insurance is equivalent to buy white, the vehicle is in the "streaking" state, to risk the danger.

 

3 vehicle repair period of the losses caused by the accidents, not lose

       Vehicle detection, repair, maintenance in the loss caused by the process, the insurance company does not pay. Because the insurance company that has the responsibility to vehicle repair, vehicle theft or damage is belongs to the repair point fault.

 

In addition, also including the vehicle in any way, unexpected losses to repair or repair process additional appear situation, the insurance company is not compensation.

4 hit his family, without compensation

       The third party liability insurance one of the exemption clause, the insured person or the driver and their family members, and all the casualties or the custody of property loss, not responsible for compensation.

 

For example, the above case, if the insurance company pay for the next of kin, the next of kin is insured, that is to say the final beneficiary is the insured. This may be a possible, the insured intentionally will the killing (apparently the case is not so), so as to get insurance gold, this is called "moral hazard". This disclaimer is in order to prevent the occurrence of similar to the "moral hazard" accident.

 5 in the parking fees lost car, do not lose

       For the theft of vehicles in the parking fees, even for the whole vehicle pilfer, the insurance company will not compensate. The reason is that insurance companies, since parking charges, then nursing care vehicle compulsory

 

Therefore, if the vehicle is stolen in similar situations, as the owner should take good care of parking fees receipt or invoice, necessary evidence as to safeguard their own interests.

 

6 the insured voluntarily give up the right of recourse, without compensation

       "Good risk, to give up responsibility need to be cautious". This is due to the vehicle damage insurance one of the exemption clause, insurance accident caused by damage to the vehicle third party insurance, after insurance accident happens, before the insured does not compensation insurance, the insured waives the right of indemnity to the responsible party, the insurer shall not bear the liability of compensation.

 

This also means that, if one day you generous, giving up on the responsible party of responsibility is right, then it is possible to take the loss of accidents, because the insurance company does notWill give you compensation for the loss.

 

 The 7 driver's license loss, damage and loss caused by replacement during driving, do not lose

       Disclaimer the basic insurance four insurance indicate, in the driver's license loss, damage, over the period of validity or detained in accordance with the law, detained or points to reach 12 points, the accident loss is still driving motor vehicle, no compensation.

 

Especially the driver's license loss, or change the cancellation of the original driving license, this time driving the equivalent of driving without a license, an accident not only insurance does not compensate, may be punished by driving without a license.

The replacement driver's license need to cancel the original license? Started in the 2013 New Year's Day "motor vehicle driver's license application and use of the provisions", has not set off before driving to replace the other driver's license must be. However, log off and training has become the industry an unwritten rule, early in 2000 began to implement. The reason to take this way, bus also has its own "". According to understanding, from the beginning of 2000, the bus driver is "hot", many people came after the end of the training, learn techniques on go. This is a loss of talent to the driving school, so school adopt this means to the students control. Another reason for the bus this stipulation is, if not cancel the original license, then to give these students for increasing driving procedures, while the other part of the students did not have a driver's license formalities are not the same. In order to facilitate integration of material, let the students write off the original driver's license has a driver's license.

 

8 of the more than 48 hours did not inform the insurance company, may not

       Why is "may not compensate"? The reason is "insurance law" stipulates: the insured shall notify the insurer within 48 hours after insurance accident happens, or losses cannot be identified or expanded sections, the insurer shall not bear the liability of compensation.

That is to say if the accident occurred more than 48 hours to notify the insurance company, but also can not provide effective proof of property loss, the insurance company has the right to reject.

 

Of course, if you can provide valid proof, including the police give effective accident responsibility confirmation or property loss proof (such as vehicle repair costs), so they can continue to claim compensation from the insurance company. But suggest that you better as far as possible within 48 hours at risk, reduce unnecessary trouble; if due to special reasons failed to insurance, also want to photograph the scene the preservation of evidence.

 

9 Jiaoqing insurance accident insurance before, do not lose

       Basic risks of eighth items of state, in addition to the insurance contract, the insured shall pay the insurance premium when the insurance contract is established once. Occurrence of insurance Jiaoqing before the insurance accident, the insurer shall not assume insurance responsibility.

 

At the same time, "insurance law" provisions, if in excess of the prescribed time limit of sixty days does not pay the premium, insurance contract is suspended, or the insurer in accordance with the conditions stipulated in the contract to reduce the amount of insurance. Unless otherwise agreed, otherwise the insurance contract that is equivalent to a mere scrap of paper.

 

The new equipment damage in 10 vehicles, not to compensate

       Provisions in the loss of vehicle insurance and the whole vehicle pilfer of the exemption clause in the new vehicle factory, outside of the original configuration of the new equipment loss, the insurance company does not pay. The love for your car "adding the trimmings" owners will need to pay attention to.

 

Now a lot of new car owners in the buy back, are keen to own to be decorated, such as adding a siege, plus a tail of what. However, it is necessary to pay attention to in the course of daily use, because this kind of new parts damage, compensation is not belong to the insurance company, unless otherwise as these new parts for "new device to increase the risk of loss".

 

● summary

       The exemption clause in automobile insurance is the most headache problem, reason is that buying insurance insurance personnel and no one talk to you on the exemption clause content; a lot of words as the owner at the exemption clause inside, have no patience to read one by one. Therefore in the claims process has appeared in a variety of disputes.

       Article ten above the exemption clauses, is easily to be misunderstood by the owner, behoove that belong to the insurance company, but in fact the exemption clause has been defined; if not buying insurance process carefully understood, and the insurance company has no other agreement, then you might end up with the insurance company to "check evidence of both parties at court" results.

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