Professionals interpret nine easily overlooked “auto insurance not pay”
The exemption clauses in auto insurance are often not taken seriously, the reason is that the insurance staff did not explain the content of the exemption clauses in detail when buying insurance, and as a car owner looking at a lot of text in the exemption clauses, he did not have the patience to read them one by one. . This leads to various problems in the claims process. To this end, the interviewing reporter Zheng Qiang, the loss assessment manager of Ping An Insurance Company, introduces the car insurance knowledge that is easily overlooked by car owners.
These types of insurance can be.
Zheng Qiang first introduced the types of insurance that should usually be purchased.
Compulsory traffic insurance: Compulsory insurance stipulated by the state.
Commercial third-party liability insurance: In the event of a liability accident, it helps the car owner reduce the financial burden and help you compensate the third party for losses.
Car occupant liability insurance: In the event of an accident, help the car owner make up for the loss of personal injury to the car occupant.
Vehicle damage insurance: Whether it is a small scratch or serious damage, the insurance company can pay for the repair cost.
Body scratch insurance: The price is not expensive, it is more practical for a new car, it is recommended to buy it.
Excluding deductible insurance: The single insurance car damage insurance company has a certain percentage of deductible coverage, and the car owner must pay a part of the money to pay for the accident. If you buy insurance without deductibles, you can let the insurance company pay the full amount.
Whole car theft and rescue: refers to the loss of the whole vehicle caused by theft, robbery, or robbery of the new car, and if it is damaged during the theft, robbery, or robbery, or the parts and accessories on the car are lost and need to be repaired Reasonable expenses shall be borne by the insurance company.
No compensation for these
What are the reasons why the insurance company will not pay? Manager Zheng introduced the following nine situations.
Privately installed equipment
Many car owners will add audio, refrigerator, rear wing, luggage rack, etc. after buying the car. Owners need to insure separately for their added equipment.
The so-called first party and second party refer to the insurer
and the insured (the driver is regarded as the insured), except for these people, are regarded as the third party. In the insurance terms, family members of the insured or the driver are excluded from the category of “third parties”. Therefore, if the vehicle hits your own family, the insurance company will consider it exempt.
Car lights or mirrors are damaged alone
This disclaimer is formulated to deal with the fraudulent behavior of some repair shops. In the past, some repair shops often used the replaced damaged headlights or mirrors to be installed on other cars of the same model to defraud them for compensation. On the other hand, because of this exemption clause, many car owners will not be compensated even for unintentional scratches.
Engine damage caused by forced ignition in
the depths of water The insurance company will not compensate for the damage to the engine caused by the driver’s forcible ignition after the vehicle is driven to the depths of the water and the engine is turned off.
Losses caused during vehicle repairs
If the vehicle is damaged in any collision, theft, etc. during the repair period, the insurance company will refuse to pay.
Towing an uninsured car into an accident
If the owner of the car towed a vehicle without third-party liability insurance on the road, collided with other vehicles, and was fully responsible, the insurance company will not make any compensation for it.
Damaged by items on
the vehicle The insurance company is not responsible for damages if the vehicle is hit by items loaded in the compartment or on the roof.
Repair without damage assessment
If the vehicle is out of danger, the owner needs to determine the damage first and then repair the vehicle, otherwise, the insurance company may refuse to compensate for the inability to determine the amount of loss.
Theft of vehicle parts
If only parts of the vehicle such as tires, audio equipment, etc. are stolen, the owner can only bear the loss. In addition, the insurance company can also refuse to pay for driving under the influence of alcohol, driving without a license, having no annual inspection of the driving license or driver’s license, or having an accident on a highway during the internship period.
