And the auto insurance, and I used to think that as long as the car is to buy "all risks" Everything will be fine., in fact, in many cases, the insurance company is not pay, to pay their own. The reference network data and the experience of friends, summarizes eighteen kinds of insurance companies do not lose situation, for friends reference:

 

1, not on the car license without compensation

At the time of the accident vehicle in the vehicle insurance, must have two conditions, one is the insurance vehicle shall be issued by the traffic control department of the public security vehicle license or license plate, two by the traffic control department of the public security inspection within a specified period of time. So to remind all the new owner, bought the new car don't get dizzy with success, the new car before, must protect their car was stolen and not.

 

2Driver's license, driving permit, not examined without compensation

There are provisions in the contract of insurance: Insurance applies only to eligible vehicles, the vehicle can not part of deemed unqualified vehicles. And the driver's license not examined the equivalent of driving without a license. So, driving license, driving license or not through the annual inspection, belong to illegal prior to. If the traffic accident caused third losses, expenses will be borne by our insurance also, white bought not say, throw the helve after the hatchet.

 

3Drunk driving, do not lose

This need not say, the recent law on road traffic safety law to repair, be severely crack down on drunk driving. Drunk driving accident, also think of insurance company to compensate, that is really drunk, good luck waiting to get in a few days, bad luck like Nanjing that Zhang Mingbao hit five six lives, it is too late to regret.

 

4The report is not timely, not to lose

Motor vehicle insurance clauses twenty-eighth, thirtieth primary insurance and additional insurance whole vehicle pilfer the provisions of article fourth, the insured shall place the traffic police department to report on the accident of vehicle insurance after insurance accident happens, at the same time we must report in 48 hours to the insurance company, or may directly be rejected. Therefore, the owners after the Chuxian remember 48 hours to the insurance company to report, if you don't have a good memory, or busy forget, the insurance company will forget you.

 

5In the car, parking fees not paid

In accordance with the provisions of the insurance company, usually stolen vehicles in the parking fees, the insurance company shall not be responsible for compensation. Because these places have custody of the responsibility of the vehicle, in the storage period, the safekeeping party caused by the vehicle is damaged or lost, the depositary shall bear the responsibility. Therefore, either the car, or be struck, the insurance company shall no matter. Therefore, the correct way is to find parking lot to claim, the driver must pay attention to parking charge parking fee receipt. Although many of the relevant provisions of the parking fees to write "lost no compensation", but according to the relevant provisions in the contract law of our country, which belongs to the unilateral shirk responsibility, such as can not be resolved through consultation, resort to the law, it has been winning the lawsuit.

 

6The car, since the family not to compensate

The first, the second refers to the insurer, the insured (the driver as the insured). The third party liability insurance in the third popularly speaking, is the exclusion of 4 kinds of people: the insurer, the insured, the car accident drivers and their family members, the insured person's family members. Not only in the insurance, the relevant provisions in other liability insurance also. Similarly, being hit by vehicles the same unit name not through the third party liability insurance compensation. So don't tell their own people not to go.

 

7The engine inlet, will start after the cause of damage

Insurance companies think, vehicle to deep water, the engine flameout, if the damage caused by the driver forced ignition, is caused by the improper operation, is not in the scope of compensation.

 

8He added, the device does not lose

Many owners will add sound, refrigerator, car radio, tail, luggage rack, the bicycle frame and other ancillary equipment, once the crash caused the loss, the insurance company will not compensate for these new equipment. If you want to buy insurance for the new equipment, new equipment loss insurance can be insured "". However, if the car after leaving the safe hidden trouble, did not notify the insurance company, the accident would have no compensation.

 

9The part not to lose, was stolen

If not the whole car stolen, only parts such as tires, audio equipment, car stolen, the owner can only stop. The insurance company usually provides that "non full car robbery, only the car parts or ancillary equipment was stolen, robbed, robbed, damaged" except for the responsibility. Park place an anti-theft device and safety, do not think to buy pilfer is no danger of anything going wrong.

 

10The negative person, the full responsibility to put off

Unfortunately, distress, if it is the responsibility of others, not because of trouble and give up claims to each other, because it means giving up the demand compensation from the insurance company's rights. Whether insurance or insurance clause, all have such provisions. So once distress and responsibility is in the other side, we must first find them lose, fail to go to the insurance company, and the right of recourse is handed over to the insurance company. At the same time, the traffic police to solve the accident, the responsibility confirmation is an important basis for insurance claims.

 

11Therefore, without direct repair without compensation

If the vehicle is in the field of insurance, also must first set loss to repair, otherwise the insurance company would be unable to determine the amount of loss because of refuse compensation.

 

12During the repair period, loss compensation

If the vehicle collision, theft losses during the repairing period, the insurance company will not pay, because the repair factory is responsible for the safekeeping of repair vehicle. In addition, the insurance clause generally also agreed, insurance vehicle is in "contest, test" is not responsible for compensation of losses during the. So the driver in the car repair and maintenance should pay attention to choose the regular repair shop.

 

13Tire, lost not lose

The car was not lost, the tyre lost not lose. If not the whole car stolen, only parts such as tires, audio equipment stolen, compensation is not responsible for the insurance company usually. Tire does not lose, damage did not occur in other parts of the vehicle, only individual wheel damage without compensation. Of course, due to the tire burst caused by collision, rollover accident, cause other parts of vehicle damage, the insurance company will compensate according to law. 

 

14A lamp or a mirror, alone and broken without compensation

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

 

15With no insurance, car crash without compensation

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

 

16The young man, the spirit of damages without compensation

The insurance company is not complete and unconditional commitment "amount" compensate the insured shall pay in accordance with the provisions of law, but "approach to road traffic accidents" and the contract of insurance compensation. The insurance clause specified, any mental damage caused by the accident insurance compensation liability exemption. So once the danger and responsibility has been, best can be a more satisfactory treatment method and the other to discuss, rather than give each other a little money, reached a private settlement.

 

17, more insurance does not compensate

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

 

18After the accident, the car, cross strong insurance and third party liability insurance does not pay

In accordance with the provisions of compulsory insurance and third party liability insurance, these two kinds of insurance, the coverage is the compensation according to the vehicle damage, but many people ignore that there is a law, is the non-profit private vehicles used for business use cases, cannot obtain the insurance compensation. If the person is not sharing between relatives or friends, but payment fee "business partners", it becomes illegal operations. The insurance company will not compensate.