A, parking fees in the lost car without compensation

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 responsibility. Therefore, either the car, or be struck, the insurance company shall no matter

Introduction: 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 has been won this kind of lawsuit.

　　Two, not part of car 出险 without compensation

There are provisions in the contract of insurance: Insurance applies only to eligible vehicles, the vehicle can not part of deemed unqualified vehicles.
Introduction: the owner must be timely inspection, must not be delayed, lest the claim "the house leaks worse rain", a small matter, be rejected. But, if the traffic accident caused third loss, costs will be borne by your own, insurance on the white bought.

　　Three, do not pay the driver has not limited

The driver is not examined, open the vehicle belongs to the unqualified vehicle, the insurance company can according to insurance contract to reject any claim.

Introduction: seriously, don't be afraid of trouble, when the annual inspection to limited.

　　Four, drunk driving without compensation

   Drunk driving, the driver does not have the qualification of running on the road, a serious violation of traffic law. In addition, the driver and the quasi driving type does not match, the internship period of high speed situation, the insurance company will refuse payment.

Introduction: to comply with traffic regulations, time and examined, to avoid unnecessary risks caused by.

　　Five, not on the car license without compensation
At the time of the accident vehicle in the vehicle 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, two by the traffic control department of the public security inspection within a specified period of time.

Introduction: the new car before, be sure to protect your car was stolen and not.

　　Six, the report is not timely without compensation

Motor vehicle insurance clauses twenty-eighth, thirtieth primary insurance and additional insurance whole vehicle pilfer the provisions of article fourth, the insured shall place the traffic police department to report on the accident of vehicle insurance after insurance accident happens, it must be reported within 48 hours, otherwise it may directly be rejected!

Introduction: the owners claim after a report to the insurance company timely obligation. Remember "48 hours to the insurance company to report", although it is a duty, is to ensure that a rule can eat eat you after be or get out of danger.

   This is very important, not the first site, it is easy to make the scene.

　　Seven, hit the spirit of damages without compensation

The insurance company is not complete and unconditional commitment "amount" compensate the insured shall pay in accordance with the provisions of law, but "approach to road traffic accidents" and the contract of insurance compensation. The insurance clause specified, any mental damage caused by the accident insurance compensation liability exemption.

Introduction: once the danger and responsibility has been, best can be a more satisfactory treatment method and the other to discuss, rather than give each other a little money, reached a private settlement.

　　Eight, crash must first claim to the third party

In the unfortunate accident, the insured person must first claim to the third party, will it be possible to get the compensation of insurance company. If the insured up to third parties the right of claim, claim directly to the insurance company, the insurance company will refuse compensation. Because once dropped to the third party the right of recovery, will give up the right to demand compensation from the insurance company.

Introduction: 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.

　　Nine, more insurance does not compensate

To second-hand car insurance, car owners choose to press the new car to purchase price determine insurance amount, once the vehicle at the time of the accident loss, can only be used car the actual value of the compensation. Excess insurance and can not be excessive compensation, not full insurance too, do not covet cheap and less insurance, otherwise, once the danger "too late to regret".

Introduction: the insurance amount should be the actual value is determined according to the insurance of vehicle insurance. The full insurance at the time of the accident, ensure to get reasonable compensation. Don't over insured, if the pocket money too much, can consider to invest elsewhere.

    Ten, the earthquake did not lose

Follow the most property insurance is not Insurance Liability Convention after the earthquake, covering the vast majority of natural disaster, insurance clause also eliminates the earthquake.

Due to the lack of data and experience, insurance regulators do not encourage insurance companies.

    Eleven, during the repair period loss not paid

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

Introduction: the owner can be in the right and self-confident to repair shop to your loss compensation.

    In twelve, the engine inlet of engine damage

This clause is after last summer's rain surfaced. Insurance companies think, vehicle to water depths, engine flameout, pilot and forced ignition caused damage. The loss was due to improper operation.

Introduction: vehicle crossing the flameout, mustn't be a car. Help rescue company is a good way to avoid losses.

 　Thirteen, puncture not compensate

The damage did not occur in other parts of the body of the vehicle, only individual wheel damage without compensation.

Implementation of personalized new clauses, insurance companies without exception will be the one to join the franchise clause, and there is no additional risk corresponding like "broken glass alone".

Of course, due to the tire burst caused by collision, rollover accident, cause other parts of vehicle loss, insurance companies are still responsible for compensation.

    Introduction: pay attention to the daily maintenance and inspection, safety, no matter the parking place, avoid the risk of breakage and subsequent tire.

    Fourteen, is the article on the car crashed without compensation

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

   Introduction: don't put hard and sharp things in the car.

Especially near in the center console and airbag, experience impact, these debris damage to a driver may impact itself as more than a curse.

　　Fifteen, without loss of direct repair without compensation

If the vehicle in the field be or get out of danger, you must first set loss to repair, otherwise the insurance company would be unable to determine the amount of loss because of refuse compensation.

Introduction: after a traffic accident, immediately contact the insurance company, the insurance institutions to set up insurance after the repair of vehicle.

　　Sixteen, the car was not lost, the tyre lost not lose

If not the whole car stolen, only parts such as tires, audio equipment is stolen, the owner can only stop.

Strategy: parking choice as far as possible the parking fees. The car parking lot for parking custody responsibility, occurred during the loss can be parking requirements for.

　　Seventeen, with no insurance car crash without compensation

If you drive a car without insurance towing 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. The trailer, you risk than the insured increased the number of.

   Introduction: please professional rescue company is the best policy.

　Eighteen, light or mirror alone and broken without compensation

According to professional analysis, this disclaimer is in order to deal with some repair plant for fraud. They had replaced broken lamp fitted to the other car models on the same, fraud claims.

Because the lamp position can be easily damaged, and many owners inadvertently rub is therefore not compensation, the insurance company might give up eating for fear of choking too.

Introduction: in addition to peace, the people's insurance, Pacific Insurance Company, such as China and Thailand still bear the responsibility for compensation.

　　Nineteen, during the car park free of slip

Liu Che Kwun for running, and the park after slipping loss without compensation.

At present only a specified by the Pacific Ocean, life insurance, Ping and Huatai without this clause.

Introduction: no parking on a slope, in addition to the handbrake tension, then the best boulders pushing wheel.

　　Twenty, its own set of equipment without compensation

After buying a car, many owners will add audio, radio, refrigerator, tail, luggage rack, most insurance companies clerk not to prompt the owner to separate insurance. Once hit by losses, the insurance company will not pay for it.

Introduction: for new equipment loss insurance, especially the "modified gens". 　　

　　Twenty-one, since the car family without compensation

The third party liability insurance in third more, third is excluded 4 kinds of people: the insurer, the insured, the car accident drivers and their family members, the insured person's family members. Not only in the insurance, the relevant provisions in other liability insurance also.

Introduction: don't tell people not to go, especially family

 

                       Four loss cross strong insurance does not pay

 

    According to the "state of motor vehicle traffic accident liability compulsory insurance clause" clause,

    In death and disability compensation for 50000 yuan, the insurance company responsible for compensation for funeral expenses, death compensation, relatives of the victims for the funeral expenses of the transportation costs, disability compensation, disability AIDS fees, nursing fees, fees, transportation fees, rehabilitation is dependent for living expenses, accommodation costs, delay costs, as well as the spirit damage the insured in accordance with the judgment of the court or the mediation undertaken solatium.

    In 8000 yuan compensation for medical expenses, insurance company responsible for compensation for medical expenses, medical expenses, hospitalization fee, hospital food subsidies, the necessary and reasonable follow-up treatment costs, plastic surgery, nutritional costs. In line with the provisions of the rescue costs, insurance companies in the medical expenses limit of indemnity in advance. 　
    Cross strong insurance is not responsible for compensation and pay to have the following four:

   One is, intentionally causing the loss of traffic accident;

   The two is, the insured property and the insured motor vehicle property loss;

   The three is, the insured motor vehicle traffic accidents, resulting in the victim closure, suspended, power, water, gas stop, stop, communication or network outages, data loss, voltage change caused by the loss of property and the victim due to market price changes caused by the depreciation, repairs after the value of the loss and other indirect losses;

   Four, due to traffic accident arbitration or litigation expenses and other related expenses. Provision is also specified, the rate of compulsory insurance practice and the insured motor vehicle traffic safety violations, traffic accident records associated with the floating mechanism.