(a) earthquake; (two) the war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government; (three) nuclear reaction, nuclear pollution, nuclear radiation; (four) the victim and the insured or allows the driver to malicious collusion; (five) the insured or allows the driver or the victim intentionally causing the accident.
(a) unless otherwise agreed, by the traffic control department of the public security organ without driving permit, license plate when insurance accident happens, or temporary plate or temporary mobile card; (two) no motor vehicle safety and technical inspection or testing within the period of inspection did not pass; (three) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation, the whole car was theft, robbery, snatch during; (four) traction other uninsured vehicles or traction is the type of vehicle; (five) a transfer of ownership, not to the company to revise procedures.
(a) failure to obtain a driver's license, driving license examination is not qualified, shall conduct examination in accordance with the motor vehicle driving type does not match the quasi fails to physical examination or examination unqualified, driving and driving license; (two) the driver in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle; (three) learning driving without a coach with the vehicle guidance; (four) the vehicle the internship period, buses, bus or execution of police cars, fire engines, ambulances, engineering rescue vehicles and carrying explosives, inflammable or explosive chemicals, toxic or radioactive and other dangerous goods, or to drive a motor vehicle traction Trailer; (five) drinking or taking state control of psychotropic drugs or narcotics; (six) without the consent of the insured or allowed to drive; (seven) engaged in criminal activities by the insured vehicle; (eight) after the accident, the insured or the allowed drivers in failing to take measures in the case of driving vehicles or vehicle insurance insurance abandonment fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence; (nine) the use of special machinery and vehicles, various effective operation certificate of special vehicles without issuing the relevant departments of the state, driving the business bus drivers issued by the relevant departments of the state without the effective certificate; (ten) according to the traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance.
(a) the insured or allow drivers and their family members, and all the casualties or property in the custody of the loss; (two) the car personnel casualties or property loss of the car; (three) the insured vehicle accidents resulting in third closed down, suspended, power, water, gas stop, stop, communication or network outages, data loss, voltage loss and other indirect losses; (four) any losses and costs of vehicle cargo, leakage, corrosion; (five) caused by pollution losses and expenses; (six) third party property due to market price changes due to the depreciation, repairs after the value loss; (seven) parking fees, custodial fees, buckle and all kinds of fine fare; (eight) any mental damage insurance accident compensation; (nine) according to the insurance franchise calculation of the insured shall bear part of the.
Vehicle insurance uninsured or cross strong insurance contract has expired, within the cross strong insurance liability limit losses and costs, the company will not be responsible for compensation.
50000 yuan, 100000 yuan, 150000 yuan, 200000 yuan, 300000 yuan, 500000 yuan, 1000000 yuan and 1000000 yuan, and the highest do not exceed 50000000 yuan.
(a) insurance policy; (two) were valid identity insurance and the third party insurance certificate, vehicle driving license, driving license; (three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence; (four) third party property loss degree certificate or to prove the disabled degree and the list of losses and expenses documents; (five) the insured according to the provisions of relevant laws and regulations to choose negotiation way of handling traffic accident shall be provided in accordance with the "situation, the traffic accident traffic accident management procedures" provisions of the agreement; (six) the other to confirm the property of insurance accident, reason, loss and other material relevant to.
The insured or the insured vehicle driver selection based on the negotiation or not to determine the proportion of the accident by the traffic control department of the public security organ to deal with the accident of the relevant laws and regulations, determine the proportion of accidents in accordance with the following provisions: The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%; The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%; The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%; Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%; The vehicle without accident liability insurance, the company will not be liable for compensation.
In the traffic accident, the insurance vehicle drivers take full responsibility of the accident liability, franchise 20%; primary responsibility, the responsibility of the accident franchise 15%; bear equal responsibility, liability exemption rate 10%; negative secondary responsibility, liability exemption rate 5%.
Designated driver, the insured shall truthfully inform the designated driver related information, including name, gender, age, driving, quasi driving type, first get a driver's license, identity card or other valid certificate number etc.. The designated insurance vehicle drivers, by non designated driving insurance vehicle insurance accident occurs, the specified driver or the insured person to provide information is not true, for a 10% increase in the absolute 免赔率.
(a) when the insured shall compensate the amount above the compensation limit: Indemnity = compensation limit * (1 accident responsibility franchise) * (1 - deductible franchise) (two) the amount of compensation for the insured when is equal to or lower than the compensation limit: Claims for compensation amount x = (1 accident liability of franchise) * (1 - deductible franchise) The insured shall be the amount of compensation for the economic compensation liability to third party personal injury or property damage should assume by insurant lawfully pay above more than part of the insurance of each item, multiplied by the accident liability ratio.
The main vehicle, trailer in different insurance companies, the company according to the policy of the commercial third party liability insurance indemnity pro rata claim.
(a) collision, overturning; (two) the fire, explosion, according to the spontaneous stipulated in the insurance contract is a non business enterprises or institutions of vehicle; (three) the external objects collapse or fall, insurance vehicle parallel fall; (four) the lightning, storm, flood, storm, tornado, tsunami, subsidence, ice trapped, cliff collapse, debris flow, landslide, avalanche, hail; (five) the ferry carrying insurance vehicle suffered this article (four) of the natural disasters (limited to caregivers driver ship).
(a) earthquake; (two) the war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government; (three) nuclear reaction, nuclear pollution, nuclear radiation; (four) impact, corrosion of the car's cargo; (five) the spontaneous combustion (according to insurance contract is a non business enterprises or organs vehicle agreement is not subject to this restriction) fire and unexplained; (six) according to the spontaneous combustion of an insurance contract is a non business enterprises or organs vehicle caused only appliances, circuit, circuit, fuel supply system, air supply system losses; (seven) artificial direct supply, high temperature baking; (eight) in violation of the provisions of relevant laws and regulations of motor vehicle loading; (nine) the insured or the allowed the driver deliberately causing the occurrence of the accident behavior.
(a) unless otherwise agreed, by the traffic control department of the public security organ without driving permit, license plate when insurance accident happens, or temporary plate or temporary mobile card; (two) no motor vehicle safety and technical inspection or testing within the period of inspection did not pass; (three) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation of period; (four) a transfer of ownership, not to the company to revise procedures.
(a) failure to obtain a driver's license, driving license examination is not qualified, shall conduct examination in accordance with the motor vehicle driving type does not match the quasi fails to physical examination or examination unqualified, driving and driving license; (two) the driver in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle; (three) learning driving without a coach with the vehicle guidance; (four) the vehicle the internship period, buses, bus or execution of police cars, fire engines, ambulances, engineering rescue vehicles and carrying explosives, inflammable or explosive chemicals, toxic or radioactive and other dangerous goods, or to drive a motor vehicle traction Trailer; (five) drinking or taking state control of psychotropic drugs or narcotics; (six) without the consent of the insured or allowed to drive; (seven) engaged in criminal activities by the insured vehicle; (eight) after the accident, the insured or the allowed drivers in failing to take measures in the case of driving vehicles or vehicle insurance insurance abandonment fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence; (nine) the use of special machinery and vehicles, various effective operation certificate of special vehicles without issuing the relevant departments of the state, driving the business bus drivers issued by the relevant departments of the state without the effective certificate; (ten) according to the traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance. Article Sixth The losses and costs, the company will not be responsible for compensation: (a) the insurance vehicle wear and tear, rot, electrical machinery fault; (two) mirror damage alone, lamp damage alone, glass (not including the skylight glass) alone and broken, a separate body paint scratch the surface, the wheel (including tire and wheel hub) damage alone; (three) insurance vehicles because of flooded or by wading traffic resulting in engine damage; (four) insurance car whole car theft, robbery, snatch, as well as in the whole car theft, robbery, snatch theft, robbery or during the robbery attempt, damage or loss of car parts, accessory equipment; (five) suffered the loss of insurance coverage, without the necessary repair continue to use, so that the losses are part of the expansion; (six) the new car factory outside the vehicle when the original configuration equipment loss; (seven) the market price changes caused by reducing the value of depreciation, repair the loss caused by; (eight) the insured suffered by insurance vehicle cannot use the losses and expenses; (nine) because of the loss or expense caused by pollution; (ten) parking fees, custodial fees, buckle and all kinds of fine fare; (eleven) the loss of vehicle insurance must be strong insurance to pay part of the compensation; (twelve) insurance deductibles and according to insurance franchise calculation of the insured shall bear part of the loss. Article seventh The other is not within the scope of insurance liability losses and costs, the company will not be responsible for compensation.
(a) according to the insurance and insurance the same type of new vehicle purchase price; (two) according to the insurance and insurance the same type of new vehicle purchase price minus depreciation part; (three) determine the insured in consultation with the company. But the insured amount shall not exceed the insured vehicle new car purchase price of similar, more than part of the void.
(a) insurance policy; (two) were valid identity proof of insurance underwriters, the vehicle driving license, driving license; (three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence, evidence obtained through cross strong insurance indemnity; (four) the insured according to the provisions of relevant laws and regulations to choose negotiation way of handling traffic accident shall be provided in accordance with the "situation, the traffic accident traffic accident management procedures" provisions of the agreement; (five) shall be responsible for compensation by third but did not find the third, in a road accident, shall provide certificate and issued by the traffic control department of the public security organ; in other places of the accident, shall provide a certificate issued by the local public security organs; (six) the other to confirm the property of insurance accident, reason, loss and other material relevant to.
The insured or the insured vehicle driver selection based on the negotiation or not to determine the proportion of the accident by the traffic control department of the public security organ to deal with the accident of the relevant laws and regulations, determine the proportion of accidents in accordance with the following provisions: The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%; The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%; The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%; Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%; The vehicle without accident liability insurance, the company will not be liable for compensation.
In the traffic accident, the insurance vehicle drivers take full responsibility of the accident liability, franchise is 15%; the primary responsibility, the responsibility of the accident franchise for 10%; bear equal responsibility, the responsibility of the accident franchise was 8%; negative secondary responsibility, the responsibility of the accident franchise is 5%; the responsibility of the accident Dan Fangzhao accident free the odds of 15%.
Designated driver, the insured shall truthfully inform the designated driver related information, including name, gender, age, driving, quasi driving type, first get a driver's license, identity card or other valid certificate number etc.. The designated insurance vehicle drivers, by non designated driving insurance vehicle insurance accident occurs, the specified driver or the insured person to provide information is not true, for a 10% increase in the absolute 免赔率.
(a) total loss Vehicle insurance occurred in all the losses, if the insured amount is higher than the actual value at the time of danger, calculated according to the actual value of compensation claim at the time of the. That is: The actual value at the time of the accident insurance claims = vehicle accident rate x x x (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible Vehicle insurance occurred in all the losses, if the insured amount is equal to or lower than the actual value was calculated out, according to the amount of insurance compensation. That is: Indemnity insurance amount x = liability ratio of X (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible (two) part of the loss 1 insurance amount insurance vehicle according to the insurance at the new car purchase price fixing, regardless of insurance amount is lower than the loss at the time of the new car to purchase price, partial loss compensation in accordance with the actual cost of repair. That is: Indemnity = actual repair costs * accident liability ratio of X (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible 2 insurance amount insurance vehicle is lower than the insured car purchase price, partial loss according to insurance amount and the insured car purchase price ratio calculation of compensation. That is: Indemnity = actual repair costs * (the amount of insurance / new car to purchase price) × accident liability ratio of X (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible (three) the rescue expenses shall be calculated separately in the insurance vehicle amount of damages, the maximum not exceeding the insured amount. The rescue of the property, a property not insured to the insurance contract, should be the actual value proportion according to the actual value of the vehicle at the time of the accident insurance of property allocation and labor expenses. 1 insurance amount insurance vehicle according to the insurance at the new car purchase price fixing, rescue cost formula: Indemnity = actual expenses: * (actual value of vehicle insurance claim / rescue property total value) × accident liability ratio of X (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible; 2 insurance amount insurance vehicle is lower than the insured car purchase price, cost of salvage by the insurance amount and new car to purchase price calculated the proportion of compensation, calculation formula is: Indemnity = actual expenses: * (actual value of vehicle insurance claim / rescue property total value) * (the amount of insurance / new car to purchase price) × accident liability ratio of X (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible.
Because the insured waives the right of claim for indemnity against the third party causing the company is unable to exercise the right of subrogation, the company will not bear the responsibility for compensation; because the insured due to the fault of the company is unable to exercise the right of subrogation, the company deduct the amount of indemnity.
(a) the insured vehicle car theft, robbery, snatch, the public security departments at or above the county level investigation, did not find out the whereabouts of two months from the date of full after the case; (two) in the whole car insurance car theft, robbery, robbery damage or cause the car parts, ancillary equipment lost the reasonable expenses needed to repair; (three) in the whole car insurance vehicle robbery, snatch the process, by the reasonable expenses needed to repair damage.
(a) the war, the military conflict, terrorism, violence; (two) the loss caused by natural disaster insurance vehicle; (three) by the intentional act insurers and members of their families or the driver or illegal behavior; (four) the driver drinking or taking state control of psychotropic drugs or narcotics; (five) insurance vehicle is fraud, seizure, fines, seizure or expropriation; (six) for civil, economic disputes cause insurance of vehicle theft, robbery, snatch; (seven) the lessee or tenant license insurance vehicle drivers and vehicle insurance at the same time missing.
(a) unless otherwise agreed, no issued by the traffic administrative department of the public security organ driving license when insurance accident happens (two) the insured claims, failed to provide the motor vehicle stop procedures or loss at or above the county level public security criminal investigation department issued by the car registration certificate; (three) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation of period; (four) a transfer of ownership, not to the company to revise procedures. Article fourth The loss, the company will not be responsible for compensation: (a) non car theft, robbery, snatch, only the car parts or ancillary equipment theft, robbery, damage; (two) the new car factory outside the vehicle when the original configuration equipment loss; (three) insurance car whole car was robbery, snatch, theft during caused personal injury or property damage to the car; (four) suffered the loss of insurance coverage, without the necessary repair continue to use, so that the losses are part of the expansion; (five) the market price changes caused by reducing the value of depreciation, repair the loss caused by.
Article fifth The other is not within the scope of insurance liability losses and costs, the company will not be responsible for compensation.
(a) according to the insurance and insurance the same type of new vehicle purchase price; (two) according to the insurance and insurance the same type of new vehicle purchase price minus depreciation part; (three) determine the insured in consultation with the company. But the insured amount shall not exceed the insured vehicle new car purchase price of similar, more than part of the void.
(a) insurance policy; (two) were valid identity proof of insurance underwriters, the vehicle driving license, driving license; (three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence, evidence obtained through cross strong insurance indemnity; (four) the insured according to the provisions of relevant laws and regulations to choose negotiation way of handling traffic accident shall be provided in accordance with the "situation, the traffic accident traffic accident management procedures" provisions of the agreement; (five) shall be responsible for compensation by third but did not find the third, in a road accident, shall provide certificate and issued by the traffic control department of the public security organ; in other places of the accident, shall provide a certificate issued by the local public security organs; (six) the other to confirm the property of insurance accident, reason, loss and other material relevant to.
The insured or the insured vehicle driver selection based on the negotiation or not to determine the proportion of the accident by the traffic control department of the public security organ to deal with the accident of the relevant laws and regulations, determine the proportion of accidents in accordance with the following provisions: The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%; The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%; The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%; Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%; The vehicle without accident liability insurance, the company will not be liable for compensation.
Designated driver, the insured shall truthfully inform the designated driver related information, including name, gender, age, driving, quasi driving type, first get a driver's license, identity card or other valid certificate number etc.. The designated insurance vehicle drivers, by non designated driving insurance vehicle insurance accident occurs, the specified driver or the insured person to provide information is not true, for a 5% increase in the absolute 免赔率.
(a) the actual value of insurance amount insurance vehicle than be or get out of danger: The actual value at the time of the accident insurance claims = vehicle * (1 - deductible franchise) (two) the actual value of the insured amount insured vehicle is equal to or lower than at the time of the accident: Indemnity insurance amount x = (1 - deductible franchise)
(a) if the company has not paid the insurance compensation accordingly, insurance to the insured all vehicles, the company shall not be required to comply with the terms and conditions of the provisions of Article 1 shall bear the responsibility for compensation; (two) if the company has to pay the insurance indemnity accordingly, insurance vehicle can be insured, but the insured shall return the insurance indemnity accordingly; if the insured person is not willing to accept insurance vehicle insurance, vehicle ownership owned by the company, the insured shall assist in handling the relevant formalities for registration.
(a) earthquake; (two) the war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government; (three) nuclear reaction, nuclear pollution, nuclear radiation; (four) the victim and the insured or allows the driver to malicious collusion.
(a) unless otherwise agreed, by the traffic control department of the public security organ without driving permit, license plate when insurance accident happens, or temporary plate or temporary mobile card; (two) no motor vehicle safety and technical inspection or testing within the period of inspection did not pass; (three) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation, the whole car was theft, robbery, snatch during; (four) traction other uninsured vehicles or traction is the type of vehicle; (five) a transfer of ownership, not to the company to revise procedures.
(a) failure to obtain a driver's license, driving license examination is not qualified, shall conduct examination in accordance with the motor vehicle driving type does not match the quasi fails to physical examination or examination unqualified, driving and driving license; (two) the driver in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle; (three) learning driving without a coach with the vehicle guidance; (four) the vehicle the internship period, buses, bus or execution of police cars, fire engines, ambulances, engineering rescue vehicles and carrying explosives, inflammable or explosive chemicals, toxic or radioactive and other dangerous goods, or to drive a motor vehicle traction Trailer; (five) drinking or taking state control of psychotropic drugs or narcotics; (six) without the consent of the insured or allowed to drive; (seven) engaged in criminal activities by the insured vehicle; (eight) after the accident, the insured or the allowed drivers in failing to take measures in the case of driving vehicles or vehicle insurance insurance abandonment fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence; (nine) the use of special machinery and vehicles, various effective operation certificate of special vehicles without issuing the relevant departments of the state, driving the business bus drivers issued by the relevant departments of the state without the effective certificate; (ten) according to the traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance.
(a) because of regulations on causing casualties; (two) is caused by the intentional act of the insured or the driver casualties; (three) is caused by the intentional act the other car insurance and driving the staff own casualties; (four) the board staff due to illness, childbirth, self mutilation, fighting, Dutch act, criminal behavior caused by their own casualties; (five) the personnel on the car in the car when the person casualties; (six) insurance vehicle plundered during the robbery, causing casualties; (seven) any mental damage insurance accident compensation; (eight) should be made compulsory insurance compensation for the losses and expenses; (nine) according to the insurance franchise calculation of the insured shall bear part of the.
(a) insurance policy; (two) were valid identity the insurer and the personnel on the car, insurance proof of vehicle driving license, driving license; (three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence; (four) the personnel on the car body disability certificate and related expenses documents; (five) the other to confirm the property of insurance accident, reason, loss and other material relevant to.
The traffic control department of the public security organ to deal with the accident did not determine the proportion of accidents, determine the proportion of accidents in accordance with the following provisions: The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%; The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%; The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%; Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%; The vehicle without accident liability insurance, the company will not be liable for compensation.
Designated driver, the insured shall truthfully inform the designated driver related information, including name, gender, age, driving, quasi driving type, first get a driver's license, identity card or other valid certificate number etc.. The designated insurance vehicle drivers, by non designated driving insurance vehicle insurance accident occurs, the specified driver or the insured person to provide information is not true, for a 10% increase in the absolute 免赔率.
(a) when the amount of compensation to the insured according to the proportion of accidents should be higher than the compensation limit: A limit of indemnity claims = x (1 - accident liability franchise) * (1 - deductible franchise) (two) when the amount of compensation to the insured according to the proportion of accidents should be equal to or lower than the compensation limit: Claims for compensation amount x = (1 accident liability of franchise) * (1 - deductible franchise)
48 hours after the company received a report, as the company reason not timely survey and not to accept the advice, causing the loss of property could not be determined, damage, loss, accident certificate photos list and repair invoices as compensation adjustment according to provide the insured property.
(a) the company should be based on the nature of the accident, loss, in a timely manner to be provided for the insurer claims; claim that audit material evidence and materials related to the incomplete, it shall timely notify the insured for additional evidence and information. (two) the insured to provide the necessary documents, the company shall promptly review, and verification results inform the insured. (three) belonging to the insurance liability, the company should be in a compensation agreement with the insured person within 10 days after the payment of indemnity.
Agreed one-time delivery insurance premium, the insured shall pay in the future delivery insurance premium, if the actual payment date in the insurance during the period, the company accounts from the day after the responsibility of insurance from insurance, insurance during the period ended; Agreement of installment premium, the insurance within the period of the insurance accident, the company according to the insurance accident occurred before the actual charging premium and the insured shall pay the premium ratio assume insurance responsibility.
This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.
In the insurance period, insurance vehicles in use process, the car windscreen or glass window alone and broken, the company according to the actual loss compensation. The insured on the basis of consultation with the company on a voluntary, according to import or domestic glass choose insured, the company according to their choice to bear the corresponding liability insurance.
The loss of vehicle insurance, the company will not be responsible for compensation: (a) lamps, car mirror glass broken; (two) crushing installation, repair of vehicles caused by the process of glass.
This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.
In the insurance period, insurance vehicle body surface without obvious traces of paint separate collision scratch, the company in accordance with the provisions of this contract according to the actual loss compensation.
The loss of vehicle insurance, the company will not be responsible for compensation: (a) by the intentional act the insurer or the driver caused the loss of vehicle insurance; (two) and others because of the insured person or the driver and members of their families and civil, economic disputes caused the loss of vehicle insurance; (three) the natural aging of the body surface, damage; (four) the other does not belong to the scope of insurance liability losses and expenses.
(a) the insurance compensation are carried out every 15% absolute 免赔率; (two) in the insurance period, the company compensation amount accumulative total compensation limit, this additional insurance termination.
This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.
In the insurance period, insurance vehicles in use process, due to the failure of the vehicle and cargo of electrical wires, circuit, fuel supply system, air supply system itself causes fire, caused the loss of vehicle insurance, and the insured in the event of the insurance accident, less loss of vehicle insurance expenditure necessary and reasonable rescue costs, the company responsible for compensation.
The loss, the company will not be responsible for compensation: (a) the insured vehicle insurance in use process, because of violation of the rules of safe operation of the vehicle artificial direct supply, high temperature baking losses; (two) for spontaneous combustion caused only electrical appliances, circuit, circuit, fuel supply system, air supply system losses; (three) cargo loss; (four) by the intentional act the insurer or illegal behavior caused the loss of vehicle insurance.
The amount of insurance the insurance company by the insured and the consultation in the actual value determined in the vehicle insurance.
(a) in the insurance amount insurance stated in calculation of compensation, according to the actual loss of vehicle insurance; (two) the insurance compensation are carried out every 20% absolute 免赔率.
This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks. Article second Insurance liability In the insurance period, insurance vehicles in use process, due to the vehicle damage insurance listed in Article 1 of the insurance accident, cause body damage, the insurance vehicle into the factory repair, caused the vehicle to stop loss insurance, the company according to the stipulations of the contract of insurance indemnity responsibility compensation at.
Article third Exemption from liability The company shall not be liable for stop loss: (a) the vehicle was confiscated, seizure, attachment loss during; (two) for vehicle repair quality requirements, cause rework loss during; (three) other additional risks under the insurance accident loss to stop vehicles.
Article fourth Limit of indemnity On the amount of compensation limit of indemnity to the insured and the insurance company at the agreed compensation days multiplied by agreement shall prevail, but the insurance contract of the maximum compensation for 90 days.
Article fifth Treatment of claim (a) in the insurance period, accumulated compensation days, days cumulative compensation is limited to the maximum compensation days of insurance; (two) part of the loss, in the repair time as agreed by both parties, according to insurance, compensation amount multiplied by the repair and handle the delivery procedures date to repair and deal with the actual number of days the car handling date of calculation of compensation; (three) the total loss, calculation of compensation according to the highest number of insurance compensation; (four) the accident insurance every time the absolute deductible for the amount of compensation for a day.
Vehicle charges clause Article 1 The scope of insurance This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.
Article second Insurance liability In the insurance period, insurance vehicles in use process, due to the vehicle damage insurance listed in Article 1 of the insurance accident, cause body damage, the insurance vehicle into the garage, the insured need to rent the car expenses, the company according to the stipulations of the contract of insurance in the compensation limit for compensation.
Article third Exemption from liability The company shall not be liable for stop loss: (a) the vehicle was confiscated, seized, seized during the vehicle expense; (two) for vehicle repair quality requirements, cause rework during the vehicle expense; (three) other additional risks under the insurance accident need rental costs.
Article fourth Limit of indemnity On the amount of compensation limit of indemnity to the insured and the insurance company at the agreed compensation days multiplied by agreement shall prevail, but the insurance contract of the maximum compensation for 30 days.
Article fifth Treatment of claim (a) the insured person to the company for compensation, should be provided to the company: 1 insurance policy; 2 is a valid identity certificate, insurance insured vehicle driving license, driving license; Issued by the traffic control department of the public security organs issued 3 traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence; 4 the insured according to the provisions of relevant laws and regulations to choose negotiation way of handling traffic accident shall be provided in accordance with the "situation, the traffic accident traffic accident management procedures" provisions of the agreement; 5 is the bill insurance rented vehicle (two) in the insurance period, accumulated compensation days, days cumulative compensation is limited to the maximum compensation days of insurance; (three) part of the loss, in the repair time as agreed by both parties, according to insurance, compensation amount multiplied by the repair and handle the delivery procedures date to repair and deal with the actual number of days the car handling date of calculation of compensation; (four) the total loss, calculation of compensation according to the highest number of insurance compensation; (five) the accident insurance every time the absolute deductible for the amount of compensation for a day.
New equipment loss clause Article 1 The scope of insurance This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.
Article second Insurance liability In the insurance period, insurance vehicles in use process, loss of a vehicle insurance first listed insurance accident, causing direct damage to the car new equipment, the company based on the proportion of accident liability insurance vehicle drivers are negative in the accident, the amount of insurance in the insurance of the project contained within the scope of compensation.
Article third Insurance amount The amount of insurance in the insured to add new equipment and equipment purchase price.
Article fourth Treatment of claim (a) the insured vehicle in use process and other motor vehicle collision insurance vehicle damage, should be by other motor vehicle compulsory insurance compensation, the company first deducted, according to the proportion of liability accident insurance vehicle drivers are negative in the accident, responsible for compensation in accordance with the provisions of this contract. (two) according to the proportion of accident liability insurance vehicle drivers are negative in the traffic accident, the new device to increase the risk of loss compensation in accordance with the provisions of the amount in accident responsibility deductible franchise: 15% responsible, deductible 10% primary responsibility, equal responsibility for the negative 8% franchise, franchise 5% negative secondary responsibility. The accident responsibility unilaterally accident franchise for 15%. According to the main risk agreement applicable deductible franchise.
Article fifth Other matters New equipment of the insurance refers to insurance, is refers to the vehicle factory outside the equipment, the insured for additional installation of equipment and facilities. For this insurance, shall specify the car new equipment schedule and price.
Cargo liability insurance clauses Article 1 The scope of insurance This insurance are additional risks the commercial third party liability insurance, has the vehicle insured commercial third party liability insurance can be insured the additional risks.
Article second Insurance liability In the insurance period, insurance vehicle accidents in the use process, the insurance vehicle cargo from damage, in accordance with the law shall bear the liability for the economy of the insured, the company based on the proportion of accident liability insurance vehicle drivers are negative in the accident, responsible for compensation in the limit of liability insurance stated in.
Article third Exemption from liability (a) because of the following reasons caused the loss, the company will not be responsible for compensation: 1 of the goods and looting, natural wastage, defects, shortage, death, decay, deterioration; 2 illegal carrying or because of poor packing, loading, cover fastening, improper; Cargo private goods or illegal 3 personnel on the car carrying the; 4 because the brake intentional act, the driver of a vehicle emergency insurance. (two) the other does not belong to the scope of insurance liability losses and expenses, compensation is not in charge of the company.
Article fourth Limit of indemnity The insurance of the maximum compensation limit by the insured and the insurance company negotiation in determining.
Article fifth Treatment of claim (a) the cargo occurred within the scope of insurance liability losses, the company on the FOB price in the limit of indemnity for damages; (two) the insured vehicle collision with other vehicles in use process, the insurance vehicle cargo from damage, should be by other motor vehicle compulsory insurance compensation, the company first deducted, according to the proportion of liability accident insurance vehicle drivers are negative in the accident, responsible for compensation in accordance with the provisions of this contract. (three) according to the proportion of accident liability insurance vehicle drivers are negative in the accident, the car cargo liability insurance compensation in accordance with the provisions of the amount in accident responsibility deductible franchise: 20% responsible, deductible 15% primary responsibility, equal responsibility deductible 10% negative, 5% franchise negative secondary responsibility. The accident responsibility unilaterally accident franchise for 20%. And according to the commercial third party liability insurance contract applicable deductible franchise.
Vehicle cargo liability insurance clauses Article 1 The scope of insurance This insurance are additional risks the commercial third party liability insurance, has the vehicle insured commercial third party liability insurance can be insured the additional risks.
Article second Insurance liability In the insurance period, insurance vehicles in use process, direct damage to the cargo from the car drop causes the third suffers from a personal injury or property, in accordance with the law shall bear the liability for the economy of the insured, the company after deducting the compulsory insurance should be compensation, according to calculation of damages in compensation limits specified by the policy within the provisions of the contract.
Article third Exemption from liability (a) the loss, the company will not be responsible for compensation: 1 the insured or allow drivers and their family members, human casualties, property loss; Gas, contained 2 driver deliberately act or car liquid leakage caused by the loss of; 3 loading and unloading of goods caused by the loss of. (two) should be made compulsory insurance compensation for the losses and costs, the company will not be responsible for compensation.
Article fourth Limit of indemnity The insurance compensation limit when the accident by the insured in consultation with the company at the time of the application to determine.
Article fifth Treatment of claim The insurance compensation are carried out every 20% absolute 免赔率.
Additional oil pollution liability insurance clauses Article 1 The scope of insurance This insurance are additional risks the commercial third party liability insurance, has the vehicle insured commercial third party liability insurance can be insured the additional risks.
Article second liability insurance In the period of insurance, the insured or the valid driving accidents in the use of vehicle insurance process, because of pollution loss and clean-up costs of vehicle insurance or other motor vehicle itself contained oil or oil leakage caused by road, economic liability for compensation according to law by the Insured undertakes, the company in the deduction of compulsory insurance should compensate part, in accordance with the provisions of the insurance contract for compensation.
Article third Exemption from liability (a) the road outside the loss; (two) due to pollution caused by fine and any indirect loss; (three) should be made compulsory insurance compensation for the losses and expenses.
Article fourth Limit of indemnity Each time the accident compensation limit by the insured and the company according to 50000 yuan, 100000 yuan, 200000 yuan, 300000 yuan, 500000 yuan level determined in consultation.
Article fifth Treatment of claim (a) after insurance accident happens, according to the court, arbitration institution in accordance with the judgment or ruling, ruling or mediation, or the parties agreed the accident and the written consent of company, economic liability assumed by the insured, the company compensation stipulated in the insurance policy the additional insurance indemnity. (two) the insured claims should be provided, issued by the public security organ of the traffic management department, the traffic administrative department that records the scene of the accident, accident and other and confirm the property of insurance accident, reason, loss and other material relevant to. (three) the insurance compensation are carried out every 20% absolute 免赔率.
The traffic accident compensation for spiritual damages clause Article 1 The scope of insurance This insurance are additional risks the commercial third party liability insurance and the vehicle officers liability insurance, insured commercial third party liability insurance or the side of the vehicle to vehicle liability insurance can be insured the additional risks.
Article second Insurance liability In the insurance period, insurance vehicles in use process, because of a traffic accident, resulting in third disability, death or pregnant women, abortion, claim compensation for mental damages the aggrieved party hereby put forward, the spirit damage in accordance with the court shall be borne by the insurer's liability, the company after deducting the cross strong insurance shall compensate part then, according to the terms of this contract for compensation in compensation within the limit. In the insurance period, insurance vehicle accidents in the use process, the personnel on the car's disability, death or accidental abortion of pregnant women, claim compensation for mental damages the aggrieved party hereby put forward, the spirit damage in accordance with the court shall be borne by the insurer's liability, the company according to the terms of this contract for compensation in damages within the quota.
Article third Exemption from liability (a) in the case of compensation for spiritual damage, assume by insurant, the company will not be responsible for compensation: 1 driver no fault in the traffic accident; 2 insurance vehicle without collision accidents, only by the panic caused casualties, third or the car behavior caused by improper disability, death or accidental abortion of pregnant women; Mental distress of the 3 court mediation book to determine by the insured person undertake compensation; 4 other does not belong to the scope of insurance liability losses and expenses. (two) shall be made by the strong insurance to pay the amount of compensation, the company will not be responsible for compensation.
Article fourth Limit of indemnity The insurance of accident every time a maximum compensation limit by the company and the insured at the time of the application to determine the negotiation.
Article fifth Treatment of claim (a) the provisions of compensation for spiritual damages according to the people's court shall be responsible for the traffic accident responsibility person's judgment as well as the contract of insurance, the company shall include in the calculation of compensation insurance the insurance indemnity; (two) base separately insured commercial third party liability insurance on insurance additional risks, responsible for the company only on third of the mental damage; basic separately insured liability of the personnel on the car insurance on additional risk, be responsible for the compensation of the personnel on the car's mental damage; at the same time based insurance business third party liability insurance and liability of the personnel on the car insurance on additional risk, responsible for compensation for mental damage to the third party and the personnel on the car of the company. (three) the insurance compensation are carried out every 20% absolute 免赔率.
The whole car robbery additional Golf theft insurance clause Article 1 The scope of insurance This insurance are additional risks whole vehicle pilfer, has covered the whole vehicle pilfer 10 seat the following non operating passenger can purchase this additional risks.
Article second Insurance liability In the period of insurance, the insured deposit insurance vehicle Golf and the insured vehicle also suffer from theft and robbery, snatch, and vehicle theft recovered after the ball is lost, the company shall bear the liability for compensation.
Article third Exemption from liability Placed in the vehicle insurance in golf the loss, the company will not be responsible for compensation: (a) non full car robbery, only the car Golf alone is theft and robbery, snatch; (two) Golf partial loss; (three) the other does not belong to the scope of vehicles stolen rescue responsibility causes the ball with loss.
Article fourth Insurance amount The amount of insurance the insurance is divided into 5000 yuan, 10000 yuan, 15000 yuan and 20000 yuan in four grades, by the company and the policyholders in insurance consultation.
Article fifth Treatment of claim (a) this insurance shall be 20% of the deductible franchise. (two) the insured in the insurance period for a time limit, and the whole vehicle pilfer also claims.
Special vehicle special clause Article 1 The scope of insurance Insured loss of vehicle insurance and commercial third party liability insurance vehicle, can insurance clause.
Article second This insurance special agreement, for the loss, the company will not be responsible for compensation: (a) excavator during use, resulting in underground wire, cable, pipeline and other equipment loss and other losses caused by this; (two) for the carriage of dump truck did not fall the traffic caused by loss of vehicle insurance and the carriage and the external objects created by the collision of the three party liability; (three) other special vehicles (such as cranes, bulldozers, excavators, dump truck, cement mixer, concrete pump truck, etc.): 1 by subsidence caused by tilting of the vehicle, vehicle loss caused by overturning insurance and three party liability; 2 crane in the loading process, the boom (including ropes) crane fault (including ropes) their own losses; 3 construction workers in violation of operation rules, resulting in loss of vehicle insurance and the mechanical arm or body touch the high-voltage wire caused by three party liability; 4 in the operation of vehicle insurance process due to mechanical failure or serious violation of operating rules of insurance loss caused by vehicle.
Article third The insurance for the standard clause, no additional charge. Many accidents deductible clause Article 1 The scope of insurance This insurance is the additional risk loss of vehicle insurance, the vehicle has been insured loss of vehicle insurance is insurance special risks.
Article second Choose to apply the multiple accident deductible clause, insurance vehicle insurance accident occurred three times and above in the insurance period (except for natural disasters caused by the accident, the responsibility in the accident) based on absolute franchise, franchise from third insurance accident begin each increase of 5%, but not more than 25% of the cumulative increase. Article third Choose to apply the multiple accident deductible clause, give preferential treatment to the vehicle damage insurance premium, preferential amount for the application of this clause is not selected when the vehicle damage insurance should pay the premium of 2%. The basic insurance irrespective of percentage clause Article 1 Insurance liability The special agreement, after insurance accident happens, according to the commercial third party liability insurance, the vehicle damage insurance or liability of the personnel on the car accident liability odds choice the insured, or in accordance with the whole vehicle pilfer absolute 免赔率 calculation, shall be made by the deductible amount insured themselves to bear part of the, the company responsible for compensation. Basic coverage of all types of irrespective of percentage contractual liability exists independently of each other, the applicant can choose are insured, and apply different rates.
Article second Exemption from liability The following amount, the company will not be responsible for compensation: (a) by loading in violation of laws and regulations relating to motor vehicles and increase the deductible amount; (two) for insurance of vehicle real driving area beyond the scope of the agreement and to increase the insurance deductible amount; (three) for the Insured named drivers but when insurance accident happens to non designated driving of vehicle insurance and increase the deductible amount, because the specified driver information is not true and increase the deductible amount supplied; (four) shall be responsible for compensation by third but couldn't find the third and increase the deductible amount; (five) insurance car whole car theft, robbery, snatch, because the insured if they can not provide the motor vehicle registration certificate, motor vehicle driving permit, purchase a car vehicle origin certificate invoices, proof of vehicle purchase tax payment or tax exemption certificate and increase the deductible amount; insurance car whole car was stolen, because of lack of full set original keys with the increase of the deductible amount; (six) based on the multiple accident shall be deductible clause absolute 免赔率 calculation shall be borne by the insured the deductible amount.
Additional risk irrespective of percentage clause Article 1 Insurance liability The special agreement, after insurance accident happens, responsible for the accident in accordance with additional risks insured insurance franchise and deductible franchise calculation, shall be deductible amount shall be borne by the insured, the company responsible for compensation. Additional risks the insurance irrespective of percentage special responsibility as a whole, the insured can not be selected respectively for.
Article second Exemption from liability The following amount, the company will not be responsible for compensation: (a) by loading in violation of laws and regulations relating to motor vehicles and increase the deductible amount; (two) for insurance of vehicle real driving area beyond the scope of the agreement and to increase the insurance deductible amount; (three) for the Insured named drivers but when insurance accident happens to non designated driving of vehicle insurance and increase the deductible amount, because the specified driver information is not true and increase the deductible amount supplied; (four) shall be responsible for compensation by third but couldn't find the third and increase the deductible amount; (five) based on the multiple accident shall be deductible clause absolute 免赔率 calculation shall be borne by the insured the deductible amount.
[] is not valued insurance contract in which the parties in conclude when insurance contract is not pre determine the insured value of the objects of insurance, but the insurance accident happens in accordance with the actual value of the insurance subject determine the insurance value of an insurance contract. [vehicle] in a motor vehicle insurance stated in insurance contract, including parts of original automobile manufacturers fixing device in the car and in the price, but not including the equipment and facilities factory after installing additional or modified. [] or the insured vehicle collision occurred between the provisions of the goods loading and outside solid objects, the impact of the crash. [] insurance overturning vehicles due to natural disasters or accidents, the insurance vehicle overturned, the touchdown, loss of normal and driving ability, driving not recovered by rescue not. [object] insurance vehicle outside collapsed objects outside the collapse or fall down. [fall] running parallel to the insurance vehicle accidents in a moving vehicle, flight after falling, caused the loss of vehicle. Non vehicle flight, only because of bump caused the loss of vehicle insurance, liability is not falling. [non business enterprise, the vehicle] refers to the use of motor vehicles at the party and government organs, social organizations, enterprises and institutions engaged in business or in the production and operation activities not directly or indirectly from the freight or hire. [] refers to the spontaneous combustion of vehicle insurance for the vehicle electrical appliances, circuit, circuit, fuel supply system, air supply system, air their own problems, such as motor vehicle running friction fire caused by fire. [in] during the repair repair places an insurance vehicle into the garage (station, shop) and completing the delivery procedures, to the maintenance, repair and the end for end car formalities check time. [Fire] caused by the insurance of the vehicle itself in time or space fire, burning out of control (i.e., heat, light, fire violent oxidation reaction) caused by disasters. [storm] wind speed at 28.5 M / S (equivalent to 11 levels of gales) over the wind. The wind speed in the meteorological department released data shall prevail. [storm] per hour rainfall reached 16 mm, or continuous 12 hour rainfall of 30 mm or more, or 24 hours of continuous rainfall reached 50 mm and above. [] of the earth's crust subsidence occurred because of natural variability, systolic suddenly collapse and the formation, river, heavy rain, a hole, cave underground, so that the ground suddenly caved. The new car purchase price [] refers to the insurance contract is signed purchase and vehicle insurance (including the same type of new vehicle purchase tax) price. [] refers to the actual value of the vehicles of the same type in the market of new car purchase price minus the vehicle use the term depreciation amount after the price. The depreciation rate according to the terms stipulated depreciation rate schedule attached to determine. [all] refers to the loss insurance overall vehicle damage, repair costs and labor expenses or insurance vehicle and reaches or exceeds the actual value at the time of the accident, the company can be constructive total loss. [] unilateral accident is not involved with the third party damage accident, but does not include natural disasters caused by the accident. [the whole car theft, robbery, snatch] refers to the insurance vehicle was occurred during the theft, robbery, looting behavior when the car was found up to date. [] refers to the personnel on the car accident instantly, in the insurance vehicle within the staff, including staff are on and off. [case] for indemnity signed both parties of insurance contract or relationship after confirming that is regarded as the compensation case. [] direct damage insurance vehicle accidents, direct cause actual damage accident scene existing assets. [cost] refers to rescue insurance accident, the insured to prevent or reduce the losses and take necessary and reasonable measures which expenditures. [accident liability franchise] in the scope of insurance liability insurance, according to the driver of a vehicle in the accident responsibility is determined, the company will not compensate for the loss ratio and total loss. [absolute 免赔率] in the scope of insurance liability insurance, according to the provisions of the vehicle driving persons in the accident outside the determined ratio, the company will not compensate for the loss and the total loss. [deductible] refers to assume by insurant insurance mark loss amount stipulated in the policy. [family] is lineal blood insurers and other relatives living with him. [table] short rate The short-term rate table
[table] the depreciation rate The depreciation rate table
The tractor is refers to the people's Republic of China (excluding Hong Kong, Macao, and Taiwan regions) tractor driving (including wheeled harvester).
(a) earthquake; (two) the war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government; (three) nuclear reaction, nuclear pollution, nuclear radiation; (four) the victim and the insured or allows the driver to malicious collusion; (five) the insured or allows the driver or the victim intentionally causing the accident.
(a) unless otherwise agreed, without issuing traffic management departments of public security organs or agricultural machinery safety supervision mechanism of vehicle license plate, when insurance accident happens, or temporary plate or temporary mobile card; (two) no motor vehicle safety and technical inspection or testing within the period of inspection did not pass; (three) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation, the whole car was theft, robbery, snatch during; (four) traction other uninsured vehicles or traction is the type of vehicle; (five) a transfer of ownership, not to the company to revise procedures.
(a) not lawfully obtained a motor vehicle driving type does not match the quasi driving license, driving license examination is not qualified, the driver license; (two) the driver in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle; (three) the motor vehicle driver training period containing explosives, inflammable or explosive chemicals, toxic or radioactive and other dangerous goods, or driving motor vehicles towing trailers; (four) drinking or taking state control of psychotropic drugs or narcotics; (five) without the consent of the insured or allowed to drive; (six) engaged in criminal activities by the insured vehicle; (seven) after the accident, the insured or the allowed drivers in failing to take measures in the case of driving vehicles or vehicle insurance insurance abandonment fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence; (eight) according to the traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance.
(a) the insured or allow drivers and their family members, and all the casualties or property in the custody of the loss; (two) the car personnel casualties or property loss of the car; (three) the insured vehicle accidents resulting in third closed down, suspended, power, water, gas stop, stop, communication or network outages, data loss, voltage loss and other indirect losses; (four) any losses and costs of vehicle cargo, leakage, corrosion; (five) caused by pollution losses and expenses; (six) third party property due to market price changes due to the depreciation, repairs after the value loss; (seven) parking fees, custodial fees, buckle and all kinds of fine fare; (eight) any mental damage insurance accident compensation; (nine) according to the insurance franchise calculation of the insured shall bear part of the.
Vehicle insurance uninsured or cross strong insurance contract has expired, within the cross strong insurance liability limit losses and costs, the company will not be responsible for compensation.
(a) insurance policy; (two) were valid identity insurance and the third party insurance certificate, vehicle driving license, driving license; (three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence; (four) third party property loss degree certificate or to prove the disabled degree and the list of losses and expenses documents; (five) the insured according to the provisions of relevant laws and regulations to choose negotiation way of handling traffic accident shall be provided in accordance with the "situation, the traffic accident traffic accident management procedures" provisions of the agreement; (six) the other to confirm the property of insurance accident, reason, loss and other material relevant to.
The insured or the insured vehicle driver selection based on the negotiation or not to determine the proportion of the accident by the traffic control department of the public security organ to deal with the accident of the relevant laws and regulations, determine the proportion of accidents in accordance with the following provisions: The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%; The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%; The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%; Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%; The vehicle without accident liability insurance, the company will not be liable for compensation.
(a) when the insured shall compensate the amount above the compensation limit: Indemnity = compensation limit * (1 accident liability of franchise) (two) the amount of compensation for the insured when is equal to or lower than the compensation limit: Claims for compensation amount x = (1 accident liability of franchise) The insured shall be the amount of compensation for the economic compensation liability to third party personal injury or property damage should assume by insurant lawfully pay above more than part of the insurance of each item, multiplied by the accident liability ratio.
The main vehicle, trailer in different insurance companies, the company according to the policy of the commercial third party liability insurance indemnity pro rata claim.
(a) collision, overturning; (two) the fire, explosion; (three) the external objects collapse or fall, insurance vehicle parallel fall; (four) the lightning, storm, flood, storm, tornado, tsunami, subsidence, ice trapped, cliff collapse, debris flow, landslide, avalanche, hail; (five) the ferry carrying insurance vehicle suffered this article (four) of the natural disasters (limited to caregivers driver ship).
(a) earthquake; (two) the war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government; (three) nuclear reaction, nuclear pollution, nuclear radiation; (four) the vehicle cargo drop, leakage, corrosion, impact; (five) and unknown causes of spontaneous combustion; (six) artificial direct supply, high temperature baking; (seven) in violation of the provisions of relevant laws and regulations of motor vehicle loading; (eight) the insured or the allowed the driver deliberately causing the occurrence of the accident behavior.
(a) unless otherwise agreed, without issuing traffic management departments of public security organs or agricultural machinery safety supervision mechanism of vehicle license plate, when insurance accident happens, or temporary plate or temporary mobile card; (two) no motor vehicle safety and technical inspection or testing within the period of inspection did not pass; (three) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation of period; (four) a transfer of ownership, not to the company to revise procedures.
(a) not lawfully obtained a motor vehicle driving type does not match the quasi driving license, driving license examination is not qualified, the driver license; (two) the driver in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle; (three) the motor vehicle driver training period containing explosives, inflammable or explosive chemicals, toxic or radioactive and other dangerous goods, or driving motor vehicles towing trailers; (four) drinking or taking state control of psychotropic drugs or narcotics; (five) without the consent of the insured or allowed to drive; (six) engaged in criminal activities by the insured vehicle; (seven) after the accident, the insured or the allowed drivers in failing to take measures in the case of driving vehicles or vehicle insurance insurance abandonment fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence. (eight) according to the traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance.
(a) the insurance vehicle wear and tear, rot, electrical machinery fault; (two) broken glass alone, a separate body paint scratch the surface, the wheel (including tire and wheel hub) damage alone; (three) the insured motorcycle park during tipping loss; (four) insurance vehicles because of flooded or by wading traffic resulting in engine damage; (five) insurance car whole car theft, robbery, snatch, as well as in the whole car theft, robbery, snatch theft, robbery or during the robbery attempt, damage or loss of car parts, accessory equipment; (six) suffered the loss of insurance coverage, without the necessary repair continue to use, so that the losses are part of the expansion; (seven) the new car factory outside the vehicle when the original configuration equipment loss; (eight) the market price changes caused by reducing the value of depreciation, repair the loss caused by; (nine) the insured suffered by insurance vehicle cannot use the losses and expenses; (ten) because of the loss or expense caused by pollution; (eleven) parking fees, custodial fees, buckle and all kinds of fine fare; (twelve) the loss of vehicle insurance must be strong insurance to pay part of the compensation; (thirteen) according to the insurance franchise calculation of the insured shall bear part of the loss.
(a) insurance policy; (two) were valid identity proof of insurance underwriters, the vehicle driving license, driving license; (three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence, evidence obtained through cross strong insurance indemnity; (four) the insured according to the provisions of relevant laws and regulations to choose negotiation way of handling traffic accident shall be provided in accordance with the "situation, the traffic accident traffic accident management procedures" provisions of the agreement; (five) shall be responsible for compensation by third but did not find the third, in a road accident, shall provide certificate and issued by the traffic control department of the public security organ; in other places of the accident, shall provide a certificate issued by the local public security organs; (six) the other to confirm the property of insurance accident, reason, loss and other material relevant to.
The insured or the insured vehicle driver selection based on the negotiation or not to determine the proportion of the accident by the traffic control department of the public security organ to deal with the accident of the relevant laws and regulations, determine the proportion of accidents in accordance with the following provisions: The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%; The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%; The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%; Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%; The vehicle without accident liability insurance, the company will not be liable for compensation.
(a) total loss Indemnity insurance amount x = liability ratio * (1 accident responsibility franchise) * (1 - deductible franchise) (two) part of the loss Indemnity = actual repair costs * accident liability ratio * (1 accident responsibility franchise) * (1 - deductible franchise) (three) the rescue expenses shall be calculated separately in the insurance vehicle amount of damages, the maximum not exceeding the insured amount. The rescue of the property, a property not insured to the insurance contract, should be the actual value ratio according to the insurance amount of total rescue property sharing expenses. Indemnity = actual expenses: * (the total value of rescue property insurance amount /) × accident liability ratio * (1 accident responsibility franchise) * (1 - deductible franchise)
Because the insured waives the right of claim for indemnity against the third party causing the company is unable to exercise the right of subrogation, the company will not bear the responsibility for compensation; because the insured due to the fault of the company is unable to exercise the right of subrogation, the company deduct the amount of indemnity.
48 hours after the company received a report, as the company reason not timely survey and not to accept the advice, causing the loss of property could not be determined, damage, loss, accident certificate photos list and repair invoices as compensation adjustment according to provide the insured property.
(a) the company should be based on the nature of the accident, loss, in a timely manner to be provided for the insurer claims; claim that audit material evidence and materials related to the incomplete, it shall timely notify the insured for additional evidence and information. (two) the insured to provide the necessary documents, the company shall promptly review, and verification results inform the insured. (three) belonging to the insurance liability, the company should be in a compensation agreement with the insured person within 10 days after the payment of indemnity.
Agreed one-time delivery insurance premium, the insured shall pay in the future delivery insurance premium, if the actual payment date in the insurance during the period, the company accounts from the day after the responsibility of insurance from insurance, insurance during the period ended; Agreement of installment premium, the insurance within the period of the insurance accident, the company according to the insurance accident occurred before the actual charging premium and the insured shall pay the premium ratio assume insurance responsibility.
This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks. Article second Insurance liability In the insurance period, due to the following reasons caused the loss of vehicle insurance or reasonable expenses incurred, the company in accordance with the provisions of the insurance contract shall be responsible for the damages in the amount of insurance: (a) the insured vehicle car theft, robbery, snatch, the public security departments at or above the county level investigation, did not find out the whereabouts of two months from the date of full after the case; (two) in the whole car insurance car theft, robbery, robbery damage or cause the car parts, ancillary equipment lost the reasonable expenses needed to repair; (three) in the whole car insurance vehicle robbery, snatch the process, by the reasonable expenses needed to repair damage.
Article third Exemption from liability (a) the causes of loss, the company will not be responsible for compensation: The 1 war, the military conflict, terrorism, violence; 2 natural disasters caused by the loss of vehicle insurance; 3 by the intentional act insurers and members of their families or the driver or illegal behavior; 4 the driver drinking or taking state control of psychotropic drugs or narcotics; Vehicle insurance fraud, 5 were seized, confiscated, seized or expropriation; 6 for civil, economic disputes cause insurance of vehicle theft, robbery, snatch; 7 lessee or tenant license insurance vehicle drivers and vehicle insurance at the same time missing. (two) insurance car whole car theft, robbery, snatch, in any of the following circumstances, the company shall not be liable for: 1 unless otherwise agreed, no issued by the traffic administrative department of the public security organ driving license when insurance accident happens; 2 the insured claims, failed to provide the motor vehicle stop procedures or loss at or above the county level public security criminal investigation department issued by the car registration certificate; 3 premium vehicles in the competition, inspection, repair, maintenance, custody, requisition, confiscation of period; 4 transfer of ownership, not to the company to revise procedures. (three) the following losses, the company will not be responsible for compensation: 1 non car theft, robbery, snatch, only the car parts or ancillary equipment theft, robbery, damage; Add 2 new vehicles factory original equipment configuration loss; 3 insurance car whole car was robbery, snatch, theft during caused personal injury or property damage to the car; Of 4 suffer the loss of insurance coverage, without the necessary repair continue to use, so that the losses are part of the expansion; 5 market price changes caused by reducing the value of depreciation, repair the loss caused by. (four) the other does not belong to the scope of insurance liability losses and costs, the company will not be responsible for compensation.
Article fourth Insurance amount The amount of insurance by the company and the insured in the insurance vehicle purchase price determined in consultation.
Article fifth Treatment of claim (a) a claim to this company, shall provide the following materials: 1 insurance policy; 2 is a valid identity insurance proof; the insured and the owners do not agree, should provide proven insurer and owner relations; 3 the driving license, motor vehicle registration certificate, motor vehicle driving permit, purchase a car vehicle origin certificate invoices, proof of vehicle purchase tax payment or tax exemption certificate, the car keys; Receipt of the report, 4 cases of unsolved and vehicle not found proof, stop that road maintenance fees; 5 the management of vehicles have been under criminal investigation department provided, recorded in the computer registration system, and stop for the insurance vehicle registration certificate; 6 other can confirm the property of insurance accident, reason, loss and other material relevant to. (two) the vehicle insurance clause of article second, paragraph (a) of the insurance accident, the insurance compensation 20% tax deductible franchise. (three) insurance car whole car theft, robbery, snatch, the insured can not provide the motor vehicle registration certificate, motor vehicle driving permit, purchase a car vehicle origin certificate invoices, proof of vehicle purchase tax payment or tax exemption certificate, each missing a, another 0.5% increase in the absolute 免赔率; insurance car whole car was stolen full set key, wife of the missing, the other 5% increase in the absolute 免赔率. (four) the vehicle insurance clause of article second, paragraph (a) of the insurance accident, the company responsible for compensation in accordance with the following provisions: Indemnity insurance amount x = (1 - deductible franchise) (five) the vehicle insurance clause of article second (two), (three) the provisions of the insurance accident need repair, the company according to the actual cost of repair in the insurance compensation. Repair of the insured person shall be jointly with the insurance company inspection vehicle damage, repair or project consultation, and the cost of replacement. Otherwise, the company shall have the right to re approved, by insurant causes loss could not be determined, the company will not be liable for compensation. (six) insurance car whole car was stolen, robbed, robbed, the insured to obtain compensation, should be signed with the rights of transfer. (seven) the insured motor vehicle insurance vehicle repeat whole vehicle pilfer, the company shall bear the liability for compensation in accordance with the contract of insurance amount of this contract the insurance amount and the proportion of the sum of double insurance. (eight) the company accepted the report, field mapping, nuclear damage pricing, participate in litigation, to provide suggestions for insurance and related documents issued and the requirements of such acts, shall not constitute the company for compensation responsibility commitment. (nine) insurance car whole car theft, robbery, robbery back: 1 if the company has not paid the insurance compensation corresponding to the insured, the insurance vehicle all, we shall not be liable for compensation in accordance with the provisions of this clause second; 2 if the company has to pay the insurance indemnity accordingly, insurance vehicle can be insured, but the insured shall return the insurance indemnity accordingly; if the insured person is not willing to accept insurance vehicle insurance, vehicle ownership owned by the company, the insured shall assist in handling relevant formalities for registration. (ten) the company a loss and the amount of deductible amount and greater than or equal to the sum insured, the contract shall automatically terminate.
Passenger liability insurance Article 1 The scope of insurance This insurance are additional risks the commercial third party liability insurance, has the vehicle insured commercial third party liability insurance can be insured the additional risks.
Article second Insurance liability In the insurance period, the legal driving the insured and permitted accidents in the use of insurance in the insurance vehicle vehicle, personnel on the car suffered casualties, according to the law shall bear the liability for the economy of the insured, the company responsible for compensation in accordance with the provisions of the insurance contract.
Article third Exemption from liability (a) the accident caused by the following reasons, the company will not be responsible for compensation: The 1 earthquake; The 2 war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government; Nuclear radiation 3 nuclear reaction, nuclear pollution; 4 the victim and the insured or allows the driver to malicious collusion. (two) when accident occurs, the insurance vehicle in any of the following circumstances, the company shall not be liable for: 1 unless otherwise agreed, without issuing traffic management departments of public security organs or agricultural machinery safety supervision mechanism of vehicle license plate, when insurance accident happens, or temporary plate or temporary mobile card; 2 not inspection within the period specified by the motor vehicle safety and technical inspection or test failed; 3 premium vehicles in the competition, inspection, repair, maintenance, custody, requisition, confiscation, the whole car was theft, robbery, snatch during; 4 draw other uninsured vehicles or traction is the type of vehicle; 5 transfer of ownership, not to the company to revise procedures. (three) in case of accident, the driver in any of the following circumstances, the company shall not be liable for: 1 not lawfully obtained a motor vehicle driving type does not match the quasi driving license, driving license examination is not qualified, the driver license; 2 drivers in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle; Motor vehicle 3 internships driving carrying explosives, inflammable or explosive chemicals, toxic or radioactive and other dangerous goods, or driving motor vehicles towing trailers; 4 drinking or taking state control of psychotropic drugs or narcotics; 5 without the consent of the insured or allowed to drive; 6 use the insurance vehicles engaged in criminal activities; 7 after the accident, the insured or the allowed drivers in failing to take measures in the case of driving vehicles or vehicle insurance insurance abandonment fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence; 8 in accordance with traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance. (four) the following losses, the company will not be responsible for compensation: 1 because of regulations on causing casualties; 2 is caused by the intentional act of the insured or the driver casualties; 3 is caused by the intentional act the other car insurance and driving the staff own casualties; 4 of the car's staff due to illness, childbirth, self mutilation, fighting, Dutch act, criminal behavior caused by their own casualties; 5 personnel on the car in the car when the person casualties; 6 insurance vehicle plundered during the robbery, causing casualties; Any mental damage caused by 7 insurance accident compensation; 8 shall be made by the cross strong insurance compensation for the losses and expenses; 9 according to the insurance franchise calculation of the insured shall bear part of the. (five) the other does not belong to the scope of insurance liability losses and costs, the company will not be responsible for compensation.
Article fourth Limit of indemnity The insurance seat according to insurance vehicle to determine the number of passengers. The maximum compensation limit per seat by the insured and the company at the time of the application through consultation.
Article fifth Treatment of claim (a) the insured claims, shall provide to the company: 1 insurance policy; 2 is a valid identity the insurer and the personnel on the car, insurance proof of vehicle driving license, driving license; Issued by the traffic control department of the public security organs issued 3 traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence; 4 personnel on the car body disability certificate and related expenses documents; 5 other can confirm the property of insurance accident, reason, loss and other material relevant to. (two) the insured vehicle road traffic accident, the company according to the proportion of liability accident drivers have corresponding negative in the traffic accident liability. The traffic control department of the public security organ to deal with the accident did not determine the proportion of accidents, determine the proportion of accidents in accordance with the following provisions: The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%; The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%; The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%; Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%; The vehicle without accident liability insurance, the company will not be liable for compensation. (three) according to the proportion of liability accident drivers have negative in the traffic accident, this insurance shall be responsible for the accident corresponding: franchise deductible 15% negative total liability, deductible 10% primary responsibility, equal responsibility for the negative 8% franchise, franchise 5% negative secondary responsibility. The accident responsibility unilaterally accident franchise for 15%. (four) because of the insurance accident caused the car personnel casualty, without the written consent of the company, the insured to promise or pay the amount of compensation, the company has the right to re approved. Does not belong to the scope of the company's compensation or beyond the company should be the amount of compensation, the company does not assume liability to pay compensation. (five) after insurance accident happens, the company in accordance with the provisions of the scope of compensation, the relevant national laws and regulations and standards as well as the insurance contract, and calculate the amount of compensation according to the health administrative department of the State Council shall organize the formulation of traffic accident personnel trauma clinical guidelines and national basic medical insurance standard. The amount of compensation per person does not exceed the maximum compensation policy as a limit, the maximum compensation shall be limited to the number of seats. (six) occurred on the car personnel casualties, the insurance according to the following method to calculate the amount of compensation for the personnel on the car: 1 when the amount of compensation to the insured according to the proportion of accidents should be higher than the compensation limit: A limit of indemnity claims = x (1 - accident liability franchise) 2 when the amount of compensation to the insured according to the proportion of accidents should be equal to or lower than the compensation limit: Claims for compensation amount x = (1 accident liability of franchise) (seven) insurance vehicle and other motor vehicles in use process caused by collision of the vehicle on the personnel casualty, should be by other motor vehicle compulsory insurance compensation, the company first deducted, according to the insurance vehicle driver in the accident the negative accident responsibility proportion, responsible for compensation in accordance with the the provisions of this contract. (eight) repeated insurance vehicle insurance motor vehicle liability insurance, the company shall bear the liability for compensation in accordance with the contract liability and insurance contract liability limit the ratio of the sum of. (nine) the company and insurant loss amount is determined through consultation and compensation after the case, the victim and the same accident to the insured claim for compensation, the company shall not be liable for. (ten) the insured to obtain the compensation, the insurance contract shall continue to be valid, expired until the period of insurance. (eleven) the company accepted the report, field mapping, nuclear damage pricing, participate in litigation, to provide suggestions for insurance and related documents issued and the requirements of such acts, shall not constitute the company for compensation responsibility commitment.
Motorcycle, tractor irrespective of percentage clause Article 1 Insurance liability The special agreement, after insurance accident happens, the accident in accordance with the responsibility of the insured risk commercial third party liability insurance or the loss of vehicle insurance franchise calculation, shall be deductible amount shall be borne by the insured, the company responsible for compensation. The aggregate irrespective of percentage of special responsibility exists independently of each other, the applicant can choose are insured, and apply different rates.
Article second Exemption from liability
[] is not valued insurance contract in which the parties in conclude when insurance contract is not pre determine the insured value of the objects of insurance, but the insurance accident happens in accordance with the actual value of the insurance subject determine the insurance value of an insurance contract. [vehicle] in a motor vehicle insurance stated in insurance contract, including parts of original automobile manufacturers fixing device in the car and in the price, but not including the equipment and facilities factory after installing additional or modified. [] or the insured vehicle collision occurred between the provisions of the goods loading and outside solid objects, the impact of the crash. [] insurance overturning vehicles due to natural disasters or accidents, the insurance vehicle overturned, the touchdown, loss of normal and driving ability, driving not recovered by rescue not. [object] insurance vehicle outside collapsed objects outside the collapse or fall down. [fall] running parallel to the insurance vehicle accidents in a moving vehicle, flight after falling, caused the loss of vehicle. Non vehicle flight, only because of bump caused the loss of vehicle insurance, liability is not falling. [] refers to the spontaneous combustion of vehicle insurance for the vehicle electrical appliances, circuit, circuit, fuel supply system, air supply system, air their own problems, such as motor vehicle running friction fire caused by fire. [in] during the repair repair places an insurance vehicle into the garage (station, shop) and completing the delivery procedures, to the maintenance, repair and the end for end car formalities check time. [Fire] caused by the insurance of the vehicle itself in time or space fire, burning out of control (i.e., heat, light, fire violent oxidation reaction) caused by disasters. [storm] wind speed at 28.5 M / S (equivalent to 11 levels of gales) over the wind. The wind speed in the meteorological department released data shall prevail. [storm] per hour rainfall reached 16 mm, or continuous 12 hour rainfall of 30 mm or more, or 24 hours of continuous rainfall reached 50 mm and above. [] of the earth's crust subsidence occurred because of natural variability, systolic suddenly collapse and the formation, river, heavy rain, a hole, cave underground, so that the ground suddenly caved. [all] refers to the loss insurance overall vehicle damage, repair costs and labor expenses or insurance vehicle and reaches or exceeds the actual value at the time of the accident, the company can be constructive total loss. [] unilateral accident is not involved with the third party damage accident, but does not include natural disasters caused by the accident. [the whole car theft, robbery, snatch] refers to the insurance vehicle was occurred during the theft, robbery, looting behavior when the car was found up to date. [] refers to the personnel on the car accident instantly, in the insurance vehicle within the staff, including staff are on and off. [case] for indemnity signed both parties of insurance contract or relationship after confirming that is regarded as the compensation case. [] direct damage insurance vehicle accidents, direct cause actual damage accident scene existing assets. [cost] refers to rescue insurance accident, the insured to prevent or reduce the losses and take necessary and reasonable measures which expenditures. [accident liability franchise] in the scope of insurance liability insurance, according to the driver of a vehicle in the accident responsibility is determined, the company will not compensate for the loss ratio and total loss. [absolute 免赔率] in the scope of insurance liability insurance, according to the provisions of the vehicle driving persons in the accident outside the determined ratio, the company will not compensate for the loss and the total loss. [family] is lineal blood insurers and other relatives living with him. [table] short rate The short-term rate table
The insurance clauses referred to mention cars refers to the automobile manufacturers, vendors or buy the vehicle sales from the specified by the policy origin or tariff payment of travel to, or from the sale of travel to the buyer designated locations.
(a) earthquake; (two) the war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government; (three) nuclear reaction, nuclear pollution, nuclear radiation; (four) the victim and the insured or allows the driver to malicious collusion; (five) the insured or allows the driver or the victim intentionally causing the accident.
(a) insurance vehicles engaged in cargo or passenger transport; (two) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation, the whole car was theft, robbery, snatch during; (three) traction other uninsured vehicles or traction is the type of vehicle.
(a) failure to obtain a driver's license, driving license examination is not qualified, shall conduct examination in accordance with the motor vehicle driving type does not match the quasi fails to physical examination or examination unqualified, driving and driving license; (two) the driver in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle; (three) drinking or taking state control of psychotropic drugs or narcotics; (four) without the consent of the insured or allowed to drive; (five) engaged in criminal activities by the insured vehicle; (six) after the accident, the insured or the allowed drivers in failing to take measures in the case of driving vehicles or vehicle insurance insurance abandonment fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence; (seven) the use of special machinery and vehicles, various effective operation certificate of special vehicles without issuing the relevant departments of the state, driving the business bus drivers issued by the relevant departments of the state without the effective certificate; (eight) according to the traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance.
(a) the insured or allow drivers and their family members, and all the casualties or property in the custody of the loss; (two) the car personnel casualties or property loss of the car; (three) the insured vehicle accidents resulting in third closed down, suspended, power, water, gas stop, stop, communication or network outages, data loss, voltage loss and other indirect losses; (four) caused by pollution losses and expenses; (five) third party property due to market price changes due to the depreciation, repairs after the value loss; (six) parking fees, custodial fees, buckle and all kinds of fine fare; (seven) any mental damage insurance accident compensation; (eight) according to the insurance franchise calculation of the insured shall bear part of the.
Vehicle insurance uninsured or cross strong insurance contract has expired, within the cross strong insurance liability limit losses and costs, the company will not be responsible for compensation.
(a) insurance policy; (two) were valid identity insurance and the third proof, insurance certificate, vehicle driving license; (three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence; (four) third party property loss degree certificate or to prove the disabled degree and the list of losses and expenses documents; (five) the insured according to the provisions of relevant laws and regulations to choose negotiation way of handling traffic accident shall be provided in accordance with the "situation, the traffic accident traffic accident management procedures" provisions of the agreement; (six) the other to confirm the property of insurance accident, reason, loss and other material relevant to.
The insured or the insured vehicle driver selection based on the negotiation or not to determine the proportion of the accident by the traffic control department of the public security organ to deal with the accident of the relevant laws and regulations, determine the proportion of accidents in accordance with the following provisions: The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%; The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%; The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%; Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%; The vehicle without accident liability insurance, the company will not be liable for compensation.
In the traffic accident, the insurance vehicle drivers take full responsibility of the accident liability, franchise 15%; primary responsibility, the responsibility of the accident franchise 10%; bear equal responsibility, liability exemption rate 8%; negative secondary responsibility, liability exemption rate 5%.
(a) when the insured shall compensate the amount above the compensation limit: Indemnity = compensation limit * (1 accident liability of franchise) (two) the amount of compensation for the insured when is equal to or lower than the compensation limit: Claims for compensation amount x = (1 accident liability of franchise) The insured shall be the amount of compensation for the economic compensation liability to third party personal injury or property damage should assume by insurant lawfully pay above more than part of the insurance of each item, multiplied by the accident liability ratio.
The main vehicle, trailer in different insurance companies, the company according to the policy of the commercial third party liability insurance indemnity pro rata claim.
(a) collision, overturning; (two) the fire, explosion, combustion; (three) the external objects collapse or fall, insurance vehicle parallel fall; (four) the lightning, storm, flood, storm, tornado, tsunami, subsidence, ice trapped, cliff collapse, debris flow, landslide, avalanche, hail; (five) the ferry carrying insurance vehicle suffered this article (four) of the natural disasters (limited to caregivers driver ship); (six) glass (including the skylight glass) alone and broken, a separate body paint scratch the surface.
(a) earthquake; (two) the war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government; (three) nuclear reaction, nuclear pollution, nuclear radiation; (four) the spontaneous combustion caused only electrical appliances, circuit, circuit, fuel supply system, air supply system losses; (five) artificial direct supply, high temperature baking; (six) the insured or the allowed the driver deliberately causing the occurrence of the accident behavior.
(a) insurance vehicles engaged in cargo or passenger transport; (two) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation of period.
(a) failure to obtain a driver's license, driving license examination is not qualified, shall conduct examination in accordance with the motor vehicle driving type does not match the quasi fails to physical examination or examination unqualified, driving and driving license; (two) the driver in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle; (three) drinking or taking state control of psychotropic drugs or narcotics; (four) without the consent of the insured or allowed to drive; (five) engaged in criminal activities by the insured vehicle; (six) after the accident, the insured or the allowed drivers in failing to take measures in the case of driving vehicles or vehicle insurance insurance abandonment fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence; (seven) the use of special machinery and vehicles, various effective operation certificate of special vehicles without issuing the relevant departments of the state, driving the business bus drivers issued by the relevant departments of the state without the effective certificate; (eight) according to the traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance.
(a) the insurance vehicle wear and tear, rot, electrical machinery fault; (two) the wheel (including tire and wheel hub) damage alone; (three) insurance vehicles because of flooded or by wading traffic resulting in engine damage; (four) insurance car whole car theft, robbery, snatch, as well as in the whole car theft, robbery, snatch theft, robbery or during the robbery attempt, damage or loss of car parts, accessory equipment; (five) suffered the loss of insurance coverage, without the necessary repair continue to use, so that the losses are part of the expansion; (six) the market price changes caused by reducing the value of depreciation, repair the loss caused by; (seven) the insured suffered by insurance vehicle cannot use the losses and expenses; (eight) because of the loss or expense caused by pollution; (nine) parking fees, custodial fees, buckle and all kinds of fine fare; (ten) the loss of vehicle insurance must be strong insurance to pay part of the compensation; (eleven) insurance deductibles and according to insurance franchise calculation of the insured shall bear part of the loss.
The new equipment other than the insured vehicle standard, should the device name and price list in the insurance contract, and according to the actual value of the corresponding increase in the amount of insurance device. Treatment of claim Article ninth The insured person to the company for compensation, should be provided to the company: (a) insurance policy; (two) were valid identity the insurer, insurance certificate, proof of vehicle driving license; (three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence, evidence obtained through cross strong insurance indemnity; (four) the insured according to the provisions of relevant laws and regulations to choose negotiation way of handling traffic accident shall be provided in accordance with the "situation, the traffic accident traffic accident management procedures" provisions of the agreement; (five) shall be responsible for compensation by third but did not find the third, in a road accident, shall provide certificate and issued by the traffic control department of the public security organ; in other places of the accident, shall provide a certificate issued by the local public security organs; (six) the other to confirm the property of insurance accident, reason, loss and other material relevant to.
Article tenth Insurance of vehicle traffic accident happened, the company according to the proportion of liability accident drivers have corresponding negative in the traffic accident liability. The insured or the insured vehicle driver selection based on the negotiation or not to determine the proportion of the accident by the traffic control department of the public security organ to deal with the accident of the relevant laws and regulations, determine the proportion of accidents in accordance with the following provisions: The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%; The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%; The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%; Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%; The vehicle without accident liability insurance, the company will not be liable for compensation.
Article eleventh According to the proportion of liability accident drivers have negative in the traffic accident, the vehicle damage and expenses: the accident responsibility corresponding franchise: In the traffic accident, the insurance vehicle drivers take full responsibility of the accident liability, franchise is 15%; the primary responsibility, the responsibility of the accident franchise for 10%; bear equal responsibility, the responsibility of the accident franchise was 8%; negative secondary responsibility, the responsibility of the accident franchise is 5%; the responsibility of the accident Dan Fangzhao accident free the odds of 15%.
Article twelfth When insurance accident happens, shall be composed of third persons responsible for compensation and did not find the third, 30% tax deductible franchise. Article thirteenth The accident occurred insurance insured caused damage to the vehicle, should try to repair. Repair of the insured person shall be determined in consultation with the company inspection, repair and replacement costs, or project. Otherwise, the company shall have the right to re approved, by insurant causes loss could not be determined, the company will not be liable for compensation. Article fourteenth According to the loss of vehicle insurance, the company shall compensate for the following: (a) total loss Indemnity insurance amount x = liability ratio of X (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible (two) part of the loss Indemnity = actual repair costs * accident liability ratio * (1 accident responsibility franchise) * (1 - deductible franchise) (three) the rescue expenses shall be calculated separately in the insurance vehicle amount of damages, the maximum not exceeding the insured amount. The rescue of the property, a property not insured to the insurance contract, should be the actual value ratio according to the insurance amount of total rescue property sharing expenses. Indemnity = actual expenses: * (the total value of rescue property insurance amount /) × accident liability ratio * (1 accident responsibility franchise) * (1 - deductible franchise)
Article fifteenth Insurance for vehicles in use process and other motor vehicle collision insurance vehicle damage, should be by other motor vehicle compulsory insurance compensation, the company first deducted, according to the proportion of liability accident insurance vehicle drivers are negative in the accident, responsible for compensation in accordance with the provisions of this contract. Article sixteenth The residual part of the insurance vehicle insurance accident occurs after suffering the loss, by the company and the insured negotiation process. If the discount to the insured, its value is determined by both parties through negotiation, and deduction in the indemnity. Article seventeenth Partial loss of vehicle insurance, the company a loss and the amount of deductible amount and greater than or equal to the sum insured, the contract shall automatically terminate. Article eighteenth Repeat the insured motor vehicle insurance vehicle vehicle damage insurance, the company shall bear the liability for compensation in accordance with the contract of insurance amount of this contract the insurance amount and the proportion of the sum of double insurance. Article nineteenth The insurance accident caused by damage to the vehicle third party insurance, the company to the insured for the date, the amount of compensation scope subrogation insured indemnity against the third party rights, however, the insured shall provide necessary documents and relevant information in its knowledge to the company. Because the insured waives the right of claim for indemnity against the third party causing the company is unable to exercise the right of subrogation, the company will not bear the responsibility for compensation; because the insured due to the fault of the company is unable to exercise the right of subrogation, the company deduct the amount of indemnity.
Article twentieth The occurrence of an insured accident can be chosen by the parties to the negotiation processing according to the provisions of the relevant laws and regulations, the insured shall notify the company, the company of the insured or the payment of the amount committed themselves to have the right to re approved, and have the right to refuse compensation which could not be verified part. Article twenty-first The company accepted the report, field mapping, nuclear damage pricing, participate in litigation, to provide suggestions for insurance and related documents issued and the requirements of such acts, shall not constitute the company for compensation responsibility commitment. The third chapter passenger liability insurance Insurance liability Article 1 In the insurance period, the legal driving the insured and permitted accidents in the use of insurance in the insurance vehicle vehicle, personnel on the car suffered casualties, according to the law shall bear the liability for the economy of the insured, the company responsible for compensation in accordance with the provisions of the insurance contract. Exemption from liability Article second The accident caused by the following reasons, the company will not be responsible for compensation: (a) earthquake; (two) the war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government; (three) nuclear reaction, nuclear pollution, nuclear radiation; (four) the victim and the insured or allows the driver to malicious collusion.
Article third When accident occurs, the insurance vehicle in any of the following circumstances, the company shall not be liable for: (a) insurance vehicles engaged in cargo or passenger transport; (two) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation, the whole car was theft, robbery, snatch during; (three) traction other uninsured vehicles or traction is the type of vehicle.
Article fourth When accident occurs, the driver in any of the following circumstances, the company shall not be liable for: (a) failure to obtain a driver's license, driving license examination is not qualified, shall conduct examination in accordance with the motor vehicle driving type does not match the quasi fails to physical examination or examination unqualified, driving and driving license; (two) the driver in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle; (three) drinking or taking state control of psychotropic drugs or narcotics; (four) without the consent of the insured or allowed to drive; (five) engaged in criminal activities by the insured vehicle; (six) after the accident, the insured or the allowed drivers in failing to take measures in the case of driving vehicles or vehicle insurance insurance abandonment fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence; (seven) the use of special machinery and vehicles, various effective operation certificate of special vehicles without issuing the relevant departments of the state, driving the business bus drivers issued by the relevant departments of the state without the effective certificate; (eight) according to the traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance.
Article fifth The loss, the company will not be responsible for compensation: (a) because of regulations on causing casualties; (two) is caused by the intentional act of the insured or the driver casualties; (three) is caused by the intentional act the other car insurance and driving the staff own casualties; (four) the board staff due to illness, childbirth, self mutilation, fighting, Dutch act, criminal behavior caused by their own casualties; (five) the personnel on the car in the car when the person casualties; (six) insurance vehicle plundered during the robbery, causing casualties; (seven) any mental damage insurance accident compensation; (eight) should be made compulsory insurance compensation for the losses and expenses; (nine) according to the insurance franchise calculation of the insured shall bear part of the.
Article Sixth The other is not within the scope of insurance liability losses and costs, the company will not be responsible for compensation. Limit of indemnity Article seventh This insurance according to different seats, divided into the driver's seat and the passenger seat. The passenger seat according to the ratified number of passenger vehicle insurance (except to determine the driver's seat). The driver and passenger seat a maximum compensation limit the maximum compensation limit per seat by the insured and the insurance company negotiation in determining. Treatment of claim Article eighth The insured claims, shall provide to the company: (a) insurance policy; (two) were valid identity the insurer and the personnel on the car, insurance proof vehicle mobile card, driving license; (three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence; (four) the personnel on the car body disability certificate and related expenses documents; (five) the other to confirm the property of insurance accident, reason, loss and other material relevant to.
Article ninth Insurance of vehicle traffic accident happened, the company according to the proportion of liability accident drivers have corresponding negative in the traffic accident liability. The traffic control department of the public security organ to deal with the accident did not determine the proportion of accidents, determine the proportion of accidents in accordance with the following provisions: The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%; The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%; The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%; Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%; The vehicle without accident liability insurance, the company will not be liable for compensation.
Article tenth According to the proportion of liability accident drivers have negative in the traffic accident, this insurance shall be responsible for the accident corresponding: franchise deductible 15% negative total liability, deductible 10% primary responsibility, equal responsibility for the negative 8% franchise, franchise 5% negative secondary responsibility. The accident responsibility unilaterally accident franchise for 15%. Article eleventh Because of the insurance accident caused the car personnel casualty, without the written consent of the company, the insured to promise or pay the amount of compensation, the company has the right to re approved. Does not belong to the scope of the company's compensation or beyond the company should be the amount of compensation, the company does not assume liability to pay compensation. Article twelfth After insurance accident happens, the company in accordance with the provisions of the scope of compensation, the relevant national laws and regulations and standards as well as the insurance contract, and calculate the amount of compensation according to the health administrative department of the State Council shall organize the formulation of traffic accident personnel trauma clinical guidelines and national basic medical insurance standard. The amount of compensation does not exceed the specified driver in the driver's seat of policy, the maximum compensation limit, the amount of compensation for each passenger shall not exceed the policy stated maximum compensation limit per passenger seat, the maximum compensation shall be limited to the insured seat number. Article thirteenth Occurrence of car personnel casualties, the insurance according to the following method to calculate the amount of compensation the personnel on the car: (a) when the amount of compensation to the insured according to the proportion of accidents should be higher than the compensation limit: A limit of indemnity claims = x (1 - accident liability franchise) (two) when the amount of compensation to the insured according to the proportion of accidents should be equal to or lower than the compensation limit: Claims for compensation amount x = (1 accident liability of franchise)
Article fourteenth Insurance vehicle and other motor vehicles in use process caused by collision of the vehicle on the personnel casualty, should be by other motor vehicle compulsory insurance compensation, the company first deducted, according to the proportion of liability accident insurance vehicle drivers are negative in the accident, responsible for compensation in accordance with the provisions of this contract. Article fifteenth Repeated insurance vehicle insurance motor vehicle liability insurance, the company shall bear the liability for compensation in accordance with the contract liability and insurance contract liability limit the ratio of the sum of. Article sixteenth The company and insurant loss amount is determined through consultation and compensation after the case, the victim and the same accident to the insured claim for compensation, the company shall not be liable for. Article seventeenth The insured to obtain the compensation, the insurance contract shall continue to be valid, expired until the period of insurance. Article eighteenth The company accepted the report, field mapping, nuclear damage pricing, participate in litigation, to provide suggestions for insurance and related documents issued and the requirements of such acts, shall not constitute the company for compensation responsibility commitment.
48 hours after the company received a report, as the company reason not timely survey and not to accept the advice, causing the loss of property could not be determined, damage, loss, accident certificate photos list and repair invoices as compensation adjustment according to provide the insured property.
(a) the company should be based on the nature of the accident, loss, in a timely manner to be provided for the insurer claims; claim that audit material evidence and materials related to the incomplete, it shall timely notify the insured for additional evidence and information. (two) the insured to provide the necessary documents, the company shall promptly review, and verification results inform the insured. (three) belonging to the insurance liability, the company should be in a compensation agreement with the insured person within 10 days after the payment of indemnity.
The special agreement, after insurance accident happens, according to the commercial third party liability insurance, the vehicle damage insurance or liability of the personnel on the car accident liability odds choice applicant, shall be deductible amount shall be borne by the insured, the company responsible for compensation. The aggregate irrespective of percentage of special responsibility exists independently of each other, the applicant can choose are insured, and apply different rates.
Shall be composed of third person responsible for compensation but couldn't find the third and increase the deductible amount, the company will not be responsible for compensation.
[] is not valued insurance contract in which the parties in conclude when insurance contract is not pre determine the insured value of the objects of insurance, but the insurance accident happens in accordance with the actual value of the insurance subject determine the insurance value of an insurance contract. [vehicle] in a motor vehicle insurance stated in insurance contract, including parts of original automobile manufacturers fixing device in the car and in the price, but not including the equipment and facilities factory after installing additional or modified. [] or the insured vehicle collision occurred between the provisions of the goods loading and outside solid objects, the impact of the crash. [] insurance overturning vehicles due to natural disasters or accidents, the insurance vehicle overturned, the touchdown, loss of normal and driving ability, driving not recovered by rescue not. [object] insurance vehicle outside collapsed objects outside the collapse or fall down. [fall] running parallel to the insurance vehicle accidents in a moving vehicle, flight after falling, caused the loss of vehicle. Non vehicle flight, only because of bump caused the loss of vehicle insurance, liability is not falling. [] refers to the spontaneous combustion of vehicle insurance for the vehicle electrical appliances, circuit, circuit, fuel supply system, air supply system, air their own problems, such as motor vehicle running friction fire caused by fire. [in] during the repair repair places an insurance vehicle into the garage (station, shop) and completing the delivery procedures, to the maintenance, repair and the end for end car formalities check time. [Fire] caused by the insurance of the vehicle itself in time or space fire, burning out of control (i.e., heat, light, fire violent oxidation reaction) caused by disasters. [storm] wind speed at 28.5 M / S (equivalent to 11 levels of gales) over the wind. The wind speed in the meteorological department released data shall prevail. [storm] per hour rainfall reached 16 mm, or continuous 12 hour rainfall of 30 mm or more, or 24 hours of continuous rainfall reached 50 mm and above. [] of the earth's crust subsidence occurred because of natural variability, systolic suddenly collapse and the formation, river, heavy rain, a hole, cave underground, so that the ground suddenly caved. [all] refers to the loss insurance overall vehicle damage, repair costs and labor expenses or insurance vehicle and reaches or exceeds the actual value at the time of the accident, the company can be constructive total loss. [] unilateral accident is not involved with the third party damage accident, but does not include natural disasters caused by the accident. [the whole car theft, robbery, snatch] refers to the insurance vehicle was occurred during the theft, robbery, looting behavior when the car was found up to date. [] refers to the personnel on the car accident instantly, in the insurance vehicle within the staff, including staff are on and off. [case] for indemnity signed both parties of insurance contract or relationship after confirming that is regarded as the compensation case. [] direct damage insurance vehicle accidents, direct cause actual damage accident scene existing assets. [cost] refers to rescue insurance accident, the insured to prevent or reduce the losses and take necessary and reasonable measures which expenditures. [accident liability franchise] in the scope of insurance liability insurance, according to the driver of a vehicle in the accident responsibility is determined, the company will not compensate for the loss ratio and total loss. [absolute 免赔率] in the scope of insurance liability insurance, according to the provisions of the vehicle driving persons in the accident outside the determined ratio, the company will not compensate for the loss and the total loss. [family] is lineal blood insurers and other relatives living with him. [table] short rate The short-term rate table
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合宿免許 大型
資金調達 売掛金買取
専門学校 学費
オートエクゼ
中古ホイール 鳥取
タイヤ WISH 格安
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幼稚園教諭 短期大学
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