Automobile insurance what circumstances can claim?

    1, the car hit the wall (trees, cement pier, railings, wire rod and other objects).

2, another car collided.

3, car charge.

4, the car windshield fragmentation.

The driver or passenger 5, were injured in the accident.

6, the car spontaneous combustion.

7, the car lost (or stolen).

What do not pay insurance?

The earthquake caused loss not paid  The spirit of the loss without compensation          During the repair period loss not paid
Damage caused by improper operation without compensation  Single burst loss not paid      With the car goods damaged is not
Without loss has not lost  Privately give up compensation without compensation    Some parts of the stolen without compensation

Although the car insurance "insurance", in the following nine kinds of circumstances, the owners still have to pay their own way.

1, drunk driving, driving without a license, not part

In these cases, the driver does not have the road qualification, serious violations of traffic regulations. In addition, if the driver and the quasi driving type does not match, the internship period of high speed situation, the insurance company will refuse payment.

Remind: special attention should be paid to not drink driving, not to borrow the car did not obtain a driver's license relatives, friends "guobayin".

2, the spirit of the loss

Most of the insurance clause would have similar provisions, "caused by the accident insurance of any mental compensation as the liability exemption."

Remind: while driving if inadvertently causes the third damage to each other, as far as possible to avoid the compensation for mental damage ", because this does not belong to the scope of compensation insurance third party liability insurance.

3, the engine inlet restart damage

After last summer's typhoon "Matsa", this point has caused many disputes. Insurance companies think, vehicle to deep water, the engine flameout, if damage is caused by the driver forced ignition, is caused by the improper operation, is not in the scope of compensation.

Reminder: the car in the garage when flooded, do not force the retrofire, shall notify the insurance company immediately, otherwise even if the engine is damaged, the insurance company will not compensate.

4, its own set of equipment without compensation

After buying a car, many owners will add sound, refrigerator, tail, luggage rack and other equipment. But once the crash caused the loss, the insurance company will not be on the new equipment for compensation.

Remind: part of the insurance company accept insurance "owners added equipment loss insurance", if is a modified car after leaving the safe hidden trouble, and no prior notice to the insurance company, the accident also cannot get compensation.

5, part of the 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.

Remind: essential Park Place anti-theft device and safety, do not think to buy pilfer is no danger of anything going wrong.

6, mistakenly hit their own people

Resident Mr. Wang drive will unfortunately own brother hit, cure has spent more than 10000 yuan. Mr. Wang's car insurance third party insurance, can claim with the insurance company. The insurance company said not to compensate, the reason is hit the family.

Remind: Insurance in the so-called "third party" to exclude the following four kinds of people: the insurer, the insured, the car accident drivers and their family members, the insured person's family members. In case of driving bumps family, only to pay their medical expenses.

7, to give up the right of recourse

If it is because of the responsibility of others hit your car, not because of trouble to give up claims to each other's rights. Because this is to give up the claim compensation from the insurance company's rights. Whether insurance law, such provisions or insurance clause.

Remind: once the danger and responsibility is in the other side, we must first find the other claims, failed to go to the insurance company, and the right of recourse is handed over to the insurance company. In addition, both the accident the traffic police to solve, the responsibility confirmation is an important basis for insurance claims.

8, the car lost items

There have been reported last year, a resident of Shanghai Santana was forced open the door, 80000 yuan of cash in the car was stolen. He then covered pilfer to insurance company claim for compensation, the result was rejected.

Reminder: the scope of insurance, pilfer underwriting is generally limited to the vehicle itself, only a few companies can special items on the car payment, such as "additional golf theft".

9, during the repair period loss

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.

Remind: however, some insurance companies may be insured "car insurance costs," could be a car rental costs in vehicle repair period.