What does it mean to report an accident within 48 hours?

It means that after a traffic accident, if the accident is serious or the loss is large, the driver should keep the first scene and report the case to the insured insurance company in time (within 48 hours). Under normal circumstances, the insurance company has the right to refuse compensation 48 hours after the accident.

Be sure to report the case within 48 hours. Even if the car is driving not far from the incident, it can still be measured according to the height and traces of the scene, which will not affect the claim. However, if the report is late, it is possible to deduct part of the deductible.

Extended data

Refuse to pay compensation

Industry experts have summarized the following ten most common cases of insurance companies refusing to pay compensation:

1, don't pay for calling your own home.

The so-called first and second refers to the insurer and the insured (the driver is regarded as the insured), and everyone except these people is regarded as a third party. The insurance clause stipulates that the family members or drivers of the insured do not belong to the category of "third party".

Therefore, if the vehicle hits its own family, it will be exempted from liability in the commercial three-party insurance clause. By the same token, if vehicles collide, if they belong to the same unit, they cannot be three, nor can they be compensated according to regulations, nor can they be compensated through third-party liability insurance.

2. If the lamp or mirror is damaged separately, it will not be compensated.

This exemption clause is formulated to deal with insurance fraud in some repair shops. In the past, some repair shops often used the replaced broken lights or rearview mirrors to install on other cars of the same model in order to defraud compensation. On the other hand, due to this exemption clause, many car owners will not get compensation even if they are not careful.

However, this exemption clause is not used in all car damage insurance clauses. Some insurance companies use this clause to make claims, but not all insurance companies use this clause, so customers still need to ask before taking out insurance.

3. Take full responsibility for the accident without compensation.

If the owner collides with other vehicles, the responsibility lies with the other party, and he cannot give up the right to claim compensation from the other party because of anxiety or other reasons. Once the owner gives up the right to claim compensation from the third party, he also gives up the right to claim compensation from the insurance company.

4. Engine damage caused by forced ignition in deep water will not be compensated.

When the vehicle went deep into the water and turned off the engine, the driver forced the ignition, resulting in engine damage. Vehicle loss insurance belongs to the scope of exemption, because the loss is caused by improper operation of the driver. However, in order to provide more adequate protection for car owners, insurance companies have developed special engine loss insurance. If car owners take out this additional insurance, they can pay the fee.

5. Losses caused during vehicle maintenance shall not be compensated.

In case of collision, theft and other losses during vehicle repair, the insurance company will refuse to pay compensation, because the repair shop has the responsibility to properly keep and repair the vehicle.

6. You won't get any compensation for towing a car without compulsory insurance.

If the owner drags a car without compulsory insurance or a car without compulsory insurance on the road and collides with other vehicles and bears full responsibility, the commercial three-party insurance will not compensate for this.

7. Equipment installed privately will not be compensated.

Many car owners will install their own stereo, radio, refrigerator, tail wing or luggage rack after buying a car. In the event of an accident, the insurance company will not compensate for the loss of privately installed equipment. Car owners need to insure their installed equipment separately.

8. Don't compensate for the damage caused by the articles in the car.

If the vehicle is hit by something loaded in the car or on the roof, the insurance company is not responsible for compensation.

9. Direct maintenance without fixed losses will not be compensated.

If the vehicle is in danger, the owner needs to go to the insurance company to determine the damage before repairing it, otherwise the insurance company may refuse to pay compensation because it cannot determine the amount of loss.

10, the stolen vehicle parts will not be compensated.

If only some parts of the vehicle, such as tires and audio equipment, are stolen, the owner can only bear the loss.

In addition, for drunk driving, driving without a license, driver's license, driver's license has not been inspected annually, or a high-speed accident occurs during the internship period, the insurance company can also refuse to pay compensation.

1 1, vehicles that have not been inspected annually will not be compensated.

According to the insurance contract, insurance only takes effect for qualified vehicles, and vehicles that have not been inspected annually can only be regarded as unqualified vehicles. It can be seen that the annual inspection of vehicles on time is very important for vehicles to go on the road and get insurance.

Other circumstances:

1. The losses caused by the earthquake will not be compensated; 2. No compensation for mental loss; 3. No compensation for losses during the repair period; 4. Do not compensate for the losses caused by improper operation; 5. Single puncture loss shall not be compensated; 6. No compensation shall be paid for the damage caused by the accessories; 7. No compensation will be paid if it is not repaired; 8. No compensation will be given if the recovery is abandoned without permission; 9. If some accessories are stolen, there will be no compensation.

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