Which traffic accidents are not covered by auto insurance?

Controversy 1: I bought compulsory insurance, car damage insurance and three insurances, but I couldn't pay for them myself.

Before chatting with friends in the industry, he said that insurance companies often encounter such disputes: the owner of the car had a traffic accident and was seriously injured in hospital. Because commercial auto insurance is insured in the insurance company, the insurance company is required to bear the medical expenses incurred by hospitalization.

However, because the owner did not insure the vehicle personnel liability insurance, it is impossible for the insurance company to compensate, but the owner thinks that he bought car damage insurance and third party liability insurance and spent thousands of dollars, so why can't he get compensation?

Obviously, the owner knows nothing about auto insurance. Compulsory insurance and third-party liability insurance are used to compensate others, and car damage insurance is only used to compensate cars. Of the four main insurances, only vehicle personnel liability insurance can be used to compensate yourself.

Therefore, when insuring auto insurance, we must be clear about the role of each type of insurance, otherwise it will make a joke when making claims.

Controversy 2: Shouldn't the third party liability insurance compensate everyone except the driver?

We can often see such news reports in the news: "My wife accidentally ran into her husband when reversing" and "My mother ran over her daughter when reversing" ..... If she accidentally ran into her family, can the third party liability insurance compensate?

It can't be before the fee reform, because the "third party" in the third party liability insurance generally refers to the person of the other party who suffered personal injury or property loss due to the accident of the insured motor vehicle. It does not include the insurer, the insured, the driver and his family members at the time of the accident, and the family members of the insured.

But! ! ! Now that the charges have changed, you have to pay for hitting your own home!

Controversy 3: I bought water insurance, why don't I pay for the engine water?

Actually, I refused the water insurance. To be honest, it's really useless. As an additional risk, only the damage directly caused by the water entering the engine is compensated. If the engine is damaged by a broken belt or valve top, it will not be compensated.

Moreover, the general engine will not be damaged if it is flooded. Unless you restart it, the engine will be broken, which is precisely the case that the insurance company will not pay for it. Moreover, the compensation for water-related insurance is only to clean up the inside of the engine, and it doesn't cost a few dollars at all. Everyone should know whether it is necessary to buy it!

Controversy 4: Theft insurance and emergency insurance, why don't you pay for everything left in the car?

The full name of theft and rescue is "whole car theft and rescue", and many insurance sales will deliberately omit the word "whole car" to mislead consumers. Theft and rescue covers the whole vehicle, that is to say, only when the whole vehicle is stolen can claims be made through theft and rescue. If only one wheel is lost and the wallet in the car is stolen, it will not work.

Moreover, there are often some clauses in the agreed area aimed at burglary rescue. Outside these areas, there will be a corresponding free rate. If someone loses it while using the car, the chances will increase. If you lost it in the parking lot, go to the parking lot to claim compensation first. In a word, there are many disputes over claims for burglary, and I often don't recommend you to take out insurance.

Controversy 5: The glass is broken. Why can't you claim through separate glass breakage insurance?

Be sure to pay attention to the word "alone". What does this mean? For example, if you drive to work happily and suddenly a vase falls from the sky and hits the windshield, you can pay for it at this time; However, if the vase falls somewhere else and hits the windshield, you can only use car damage insurance.

In fact, things like broken glass can be solved by spending 30% more on maintenance. Whether to buy separate damage insurance for glass is up to everyone to weigh.

Controversy 6: It is not clear whether it is non-deductible or absolutely deductible. (key! Focus! ! ! )

There are more and more novice drivers now. In order to avoid losses as much as possible, many people will buy "no deductible insurance". But when the accident really happened, people found themselves paying for it. One moment is "no deductible" and the other is "absolute deductible", which seems a bit confusing.

One is an absolute deductible, and the other is a deductible. In domestic vehicle insurance clauses, the absolute deductible is 1 0,000 yuan, and the deductible is 10%, whichever is higher. That is to say, in both cases, the insured needs to bear the deductible. The exact name of "excluding deductible" is "excluding deductible special risks"

It is not comprehensive to say "no deductible". For example, a car had an accident and lost 20 thousand yuan. According to the deductible of 10%, the owner needs to pay 2000 yuan. If he buys this kind of insurance, his own part will not be calculated according to the deductible, but only the absolute deductible of 1 000 yuan. On the one hand, this is to reduce the cost of insurance companies, and more importantly, to increase the sense of responsibility of car owners and strengthen safety awareness.

Seven auto insurance clauses that are easily misunderstood

1. If the owner escapes after an accident, the insurance company will not compensate the owner for the accident losses. Because the hit-and-run owner violated the traffic accident handling procedures and tried to escape the accident responsibility that he should bear, the insurance company has every reason not to pay the claim.

2. Some car owners are unable to renew their insurance premiums on time due to their busy work. If the car is in danger in this "vacuum period of auto insurance", the insurance company can do nothing. After all, the original insurance contract is terminated, and the insurance company cannot bear the liability for claims. The owner should renew the auto insurance in time to protect the rights and interests of claims from loss.

3. It is clearly stipulated in the insurance contract that separate damage to wheels belongs to the exemption scope of insurance companies, and separate damage to wheels includes damage to tires and wheels, so any damage to tires and wheels in daily vehicle accidents is not covered by insurance liability. However, the insurance company will pay for the collision accident caused by a flat tire, but the tire damage fee will not be paid. It is suggested that the tires should not be inflated too much in summer. The effect of heat expansion and cold contraction will lead to the increase of tire pressure, and even lead to a puncture when driving at high speed, resulting in a major accident.

The insurance company will not compensate the owner for the accident compensation. Due to the lack of loss-determining documents, it is difficult for insurance companies to fully understand the accident process and the owner's responsibility for the accident, and it is impossible to objectively give the basis for claims, so it is reasonable not to claim compensation.

5. Under normal circumstances, the scope of claims for theft and rescue is limited to the theft of the whole vehicle, and no claims will be made for the theft or robbery of some auto parts or ancillary equipment. Because insurance companies need to avoid moral hazard, avoid some car owners deliberately hiding some parts, and then get improper benefits by claiming stolen insurance on the grounds that parts are stolen and robbed.

6. If the car is robbed, but not stolen, then the loss caused by the theft of the car body, such as the door being pried open, is not within the scope of claims for burglary.

7. The claim scope of vehicle personnel liability insurance is basically limited to the accident of the vehicle, which causes injuries to the personnel inside the vehicle or those on the vehicle body or those getting on or off the vehicle. This is different from paying only those who get on the bus and not those who get off the bus before the fee reform.

If you have any other insurance questions, please come: protect more fish and talk about insurance.