A few days ago, Mr. Wang and friends to play a car parked outside the stadium, kicked the ball out, found the car windscreen smashed into "spider web", and then call the insurance company. Each other to see the policy explicitly told not to claim, and explain, only the purchase of a separate window glass breakage risk, can obtain compensate. "I buy insurance, why the window is broken can not lose? Such insurance is "full" in where? Besides, when the insured, the insurance company staff also did not tell me to buy a separate glass insurance." Under Mr. Wang to insurance company's reply is unhappy, helpless, had to pay 1000 yuan to install the glass.

Reporters found that, similar to Mr. Wang like to buy insurance but not claim "victims" not in the minority. The owner Mr. Liu memories, a heavy rain days, he drove through the water culvert flameout, and because of the two ignition lead to engine inlet, to the car on the insurance of his claim to the insurance company, but was told not to buy because the engine wading insurance, cannot claim; not long ago, Sun Xian to the newly bought car the all risks, a vehicle parked on the roadside, the body is made of several 1 meters long scratches, report to the insurance companies, because no scratch vehicle insurance to buy and be rejected; in contrast, Mr Tsang more humbled, to the car to buy insurance for him, in over a no manhole cover manhole, right two tire full reimbursement, but when he called the insurance company claims, that doesn't keep tire categories......

"Car insurance, as the name suggests, should be all insurance covers auto insurance." Yesterday, the reporter interviewed a random car free citizens, their car insurance almost have the same understanding. However, when a reporter with the same question asked several owners, they are the "all risks" put forward different degree of question.

Citizen Yu Xiansheng says, was to buy insurance, the insurance company to buy insurance is to protect the proposal, said a more comprehensive, afterwards just know, accidents such as the engine inlet, the body is zoned, window, tyre damage, are not within the scope of insurance liability.

In this regard, the Anbang property insurance Hubei branch relevant personage explanation, car insurance doesn't refer to cover all insurance categories, but "full" included in the car caustic danger, personnel on the car safety insurance and third party liability insurance. Such as the engine wading insurance, insurance, glass scratch insurance is insurance, additional after buying car insurance, the owner can be added according to their own needs.

Huang believes that, since the car insurance are not lost, why is it called all risks misleading owners? Why not change the name?

For the "car insurance" is a word for some of the owners, especially owners bring ambiguity first insurance, Hubei Shanhe lawyer to East think, car insurance is only spoken a insurance company, rather than the terms of insurance contracts, the owners in the purchase of insurance, should see more insurance clause, do not think bought "all risks" everything is worry free. He suggested that, in view of the owner may cause misunderstanding, the insurance company may consider "car insurance" renamed.