Vehicle insurance regulations

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  • / Author: Aaron Lewis
Vehicle insurance regulations
Article sixth the following losses and costs, the insurer shall not be liable for:
(a) the insured vehicle accident, the insured or the third closed down, suspended, power, water, gas stop, stop, interruption of communications and other indirect losses;
(two) any mental damage caused by the insurance accident compensation;
(three) any compensation and compensation for the damage caused by pollution;
(four) directly or indirectly due to computer problems in 2000 loss;
(five) insurance car whole car was stolen, robbed, robbed, and during this time the damage or loss of car parts, auxiliary equipment, as well as the third casualties or property losses.
Seventh other does not belong to the scope of insurance liability losses and expenses.
The amount of insurance, indemnity and insurance period
The insured amount of eighth vehicle damage insurance is determined by one of the insured and the insurer to choose the following three ways of negotiation:
(a) press the new car to purchase price. The new car to purchase price shall refer to the insurance contract is signed purchase and vehicle insurance (including the same type of new vehicle purchase surcharge) price.
(two) determined according to the actual value of the insured. The actual value refers to the type of vehicle market new car to purchase price minus the vehicle depreciation amount after the price.
Depreciation according to each year after year, part of a year, excluding depreciation. The depreciation rate according to the relevant provisions of the state. But the highest depreciation amount does not exceed new car to purchase price of 80%.
(three) shall be determined by the insured and the insurer. But the insured amount shall not exceed the same type of new car to purchase price, more than part of the void.
The insurer shall bear the corresponding liability for compensation according to the different way to determine the amount of insurance.
Every accident, the maximum compensation limit of ninth third party liability insurance shall be determined according to different types of vehicles:
(a) in different districts, motorcycle, tractor, the maximum compensation limit is divided into four grades: 20000 yuan, 50000 yuan, 100000 yuan and 200000 yuan;
(two) the other vehicles in the maximum compensation limit is divided into six grades: 50000 yuan, 100000 yuan, 200000 yuan, 500000 yuan, 1000000 yuan and 1000000 yuan, and the highest do not exceed 10000000 yuan.
(three) The Trailer Insurance and the main engine as a whole. When insurance accident happens, the liability for compensation liability for damages caused by the main trailer as caused by vehicle. The insured amount of compensation and negative to the trailer liability and liability shall be limited to the main vehicle, the main vehicle limit of indemnity.
Tenth during the period of validity of the insurance contract, the insured is required to change the contents of the contract, shall apply to the insurer in writing to apply for correction.
Eleventh insurance for a period of one year. Except as otherwise provided by law, the insured insurance period is less than a year by a short month rate or insurance premiums. The insurance period is less than a month's monthly.
Rescission of the insurance contract, in accordance with the "provisions of the insurance premium rate of motor vehicle regulations" return the unearned portion of the insurance premium.
Treatment of claim