Zhengzhou cross strong insurance insurance:I will meet a lot of customers in Zhengzhou every year to consult me, my car insurance pay, insurance pay is against all risks, why many car damage insurance company refused to compensate, not in the scope of insurance claims, insurance is this all? What is the risk? Have a look this example below.  

   According to the Henan daily reports: self driving travel experience river has flooded pavement, Mr. Qi car was a calamity. The rescue, repair, take the car back to Zhengzhou......Toss a full circle, spent20Million yuan, butThe insurance companyTo Mr. Qi didn't buy"Wading insurance"On the grounds of refusal.

Original."All risks"Incomplete, not light"Wading insurance"Glass, tires, risk insurance......Piles of insurance are required to purchase additional. The judge recommended that: in order to avoid ambiguity,"Vehicle insurance"Renamed"The vehicle insurance".

Wading flame insurance companies do not lose

　　2011Years8Month1Afternoon, Mr. Qi a line of self driving tour of Inner Mongolia. Who knows, the rains caused River flood, flooded road. Just a wading, Mr. Qi car died. He immediately contact the insurance company for each other. In Daqing dismantling, found the car was badly damaged, he had to listen to the advice from the insurance company to pull the car back to Zhengzhou repair. Mr. Qi paid a total dismantling, trailers and repair costs230767Element.

Thinking of buying a car. Don't worry, Mr. qi. Can not think of, the insurance company refused to pay, the reason is not buy Mr. Qi"Wading insurance".

Mr. Qi to China Ping An Property Insurance Henan branch of Limited by Share Ltd on the court, the request of the ruling party pays insurance compensation230767Element.Zhengzhou cross strong insurance insurance　　

The court: no explicit insurance companies must pay

The court held that, Mr. Qi forThe carPayment is reasonable, necessary expenditures, the insurance company should compensate.

Although the insurance company that Mr. Qi didn't buy"Wading insurance"So do not pay, but there is no evidence that Mr. Qi of the insured, the insurance company on the exemption clause to Mr. Qi was prompt to inform. Do clear tips and instructions on the exemption clause is our country's Insurance Law expressly. Yesterday, Zhengzhou city Jinshui district court decision defendant China Ping An Property Insurance Henan branch of Limited by Share Ltd to pay the plaintiff Mr. Qi insurance indemnity230767Element.

Original."Wading insurance"Also called the special engine damage insurance, is a kind of additional risk owners for the engine to buy insurance, not included in the inside, it cannot be purchased separately, only the car caustic danger to buy"Wading insurance".

Judge."All risks"Ambiguous, suggested a change"The vehicle insurance"

Lost tire insurance companies do not lose, do not lose the engine inlet, car was struck not to compensate, the passengers were injured and not lose......True to the car broken phase, hurt, the owners was distressed to find, buy the original"All risks"In fact, not all.

A court in Zhengzhou high tech District Court Civil vice president Wu Ruiyan said,"All risks"It is not accurate, the owners buy so-called"Vehicle insurance"Just to meet the basic needs, an insurance company has a multitude of names, simply can not buy the whole. Additional risk insurance, insurance, glass tire wading insurance without noticeable, the majority of the owners are sometimes not buy."'All risks'It is easy to cause ambiguity."A tribunal of Zhengzhou intermediate people's Court of justice Yan Ming said,"Not renamed'The vehicle insurance'."