Under what circumstances does vehicle insurance not compensate?

The insurance company believes that the loss is caused by improper operation. When the vehicle is driving in deep water, the driver forcibly ignites after the engine is turned off, causing damage. Please don't start again after wading in the fire. This action will deprive you of the right to claim compensation from the insurance company. You can get off the bus, report to the insurance company and wait for rescue. The following is my collection, under what circumstances the vehicle insurance does not pay. Welcome to reading.

All kinds of insurance have their own insurance responsibilities. If an accident really happens to the vehicle, the insurance company can only bear the insurance liability for compensation according to the insurance contract originally concluded, and the loss that is not within the scope of insurance cannot be compensated. But in some special circumstances, the insurance company will not pay the claim.

Let's summarize these situations in the following, hoping to give you some reference.

1, direct maintenance without fixed damage will not be compensated.

If the vehicle is in danger in other places, it must be damaged first and then repaired, otherwise the insurance company will refuse to pay compensation because it cannot determine the amount of loss. (You can wait until you get the damage list to repair the car in any area within two years. )

2. Take full responsibility for the accident without compensation.

When it collides with other vehicles, the responsibility lies with the other party. If you give up the right to claim compensation from a third party, you also give up the right to claim compensation from the insurance company. (If the other party is a relatively weak group such as pedestrians and bicycles, it is generally customary for the driver to take full responsibility. If someone is injured, it will be dealt with separately. )

There is no compensation for the earthquake.

Following the practice that most property insurance does not cover earthquake liability, due to the lack of data and experience, the insurance regulatory authorities do not encourage insurance companies to cover it. For example, a typhoon is a natural factor of force majeure. For example, if the roof of a car is hit by something blown down by a typhoon, it can be compensated and it is completely compensated. )

4. No compensation for losses during the repair period.

The repair shop is responsible for the proper custody and maintenance of the vehicle, so if there is any collision, theft and other losses during the repair period, the insurance company will refuse to pay compensation. If you are really unlucky and your car is scratched during maintenance in the 4S shop, you can claim compensation from the 4S shop. After all, it was their negligence, and you have the right to claim compensation.

5. No compensation will be paid for the engine damage caused by engine water inflow.

The insurance company believes that the loss is caused by improper operation. When the vehicle is driving in deep water, the driver forcibly ignites after the engine is turned off, causing damage. Please don't start again after wading in the fire. This action will deprive you of the right to claim compensation from the insurance company. You can get off the bus, report to the insurance company and wait for rescue. This clause surfaced after a heavy rain in summer.

6. No compensation for mental loss.

Most insurance clauses will have similar provisions, "Any related mental compensation caused by the insured accident is regarded as exemption". Many car owners, deeply influenced by Hong Kong and Taiwan dramas, will ask the insurance company for mental compensation after the accident, but cruelly, the insurance regulations expressly stipulate that mental compensation is exempted. However, it is possible to file a civil lawsuit against the offender himself and demand mental compensation, but from the past experience, the amount of mental compensation is very small.

7. Do not compensate for the damage caused by the articles in the car.

The insurance company is not responsible for compensation if the vehicle is injured by the goods loaded in the compartment or the roof. (Therefore, it is not recommended that you hang or place too many or too large items in the carriage. There have been many splash injuries caused by sudden braking of mobile phones and sharp ornaments. In order to ride safely, try to reduce the placement of sharp objects to avoid unnecessary losses. )

8, drunk driving, driving without a license, driving license, driver's license did not pay the annual inspection.

Under these circumstances, drivers are not qualified to drive on the road, not just to pay the money, which has seriously violated the traffic law and will be investigated for criminal responsibility. In addition, if the driver does not conform to the quasi-driving model and the internship period is high, the insurance company will also refuse to pay compensation.

9. Don't pay for the equipment you installed.

Audio, radio, refrigerator, tail wing and luggage rack installed by the owner himself. If there is no separate insurance (separate insurance and equipment insurance on the car), the insurance company will not compensate once it hits and causes losses. Only you report the case yourself and wait for the public security organ to solve the case as soon as possible.

10, no compensation for puncture.

Other parts of the vehicle are not damaged, only the wheels are damaged separately (due to the particularity of tires, they are commonly used easy-to-wear accessories). If the tire and wheel hub are scraped during the running of the vehicle, the tire can pay 70%. Of course, the insurance company is still responsible for the loss of other parts of the vehicle caused by accidents such as collision and rollover caused by a flat tire. The probability of puncture is very high, so it is necessary to do regular maintenance, inspection and replacement.

1 1, towing an uninsured car without compensation.

If you drag a vehicle without third-party liability insurance on the road and collide with other vehicles and take full responsibility, the insurance company will not make any compensation for it, so if you want to do a good job, please confirm whether other vehicles are different first. Certificate? Done.

12, don't pay for it if you call your own home.

The so-called first and second refers to the insurer and the insured (the driver is regarded as the insured). Except these people, everyone is regarded as a third party. In the insurance clause, the family members of the insured or the driver are excluded from the category of "third party". If a family member is hit, the insurance company regards it as exemption. Similarly, if vehicles under the same company name collide, they can't get compensation from the third party liability insurance.

13, the lamp or mirror alone is broken without compensation.

This exemption clause is to deal with the fraudulent insurance behavior of some repair shops installing previously replaced broken lights on other cars of the same model to defraud compensation.

14, the car was not lost, and the tire was lost.

If the whole car is not stolen, only tires, audio equipment and other parts are stolen, the insurance company is not responsible for compensation. Encounter this kind of thing, can only recognize, silently waiting for the police uncle's notice.

Second, what should I pay attention to when buying auto insurance?

1, an insurance company with good reputation.

As the saying goes, wine is not afraid of the depth of the alley. There must be a reason why a good product can be spread and recognized by the public. Usually, these companies with good reputation and good popularity will introduce many policies to benefit the people. It has strong strength and scale, and strict and perfect rules and regulations to be trusted, such as State-owned Life Insurance, Ping An, Sunshine (reference, map and inquiry) and Huaxia Life Insurance. Everyone can do what they know.

2. Buy without insurance.

If the owner is a novice, there is a greater chance of various situations. Without considering deductible insurance, it should be considered within the scope of auto insurance. For example, if you hit a car and need to replace the bumper, if you don't have deductible insurance, the insurance company will explain, because your original bumper is not brand new, and you have to pay 20% of the cost of the new bumper, but if you have deductible insurance, the insurance company will pay the full cost.

Therefore, for beginners to buy a new car, it is suggested that in addition to compulsory compulsory insurance, they can also insure basic insurance such as car damage insurance, three-person insurance, auto theft insurance, excluding deductible insurance, liability insurance for people in the car, and glass breakage insurance, because the probability of spontaneous combustion of new cars is very small.

3, new cars and good cars, scratch insurance must be bought.

Scratch insurance is also called malicious damage insurance by some insurance companies. For beginners, it is common for cars to be scraped around, which not only damages cars, but also hurts money. Some deep scratches are extremely expensive to maintain. A high-end car, the body is reduced by tens of centimeters, and the painting costs several thousand yuan. However, not all cars should be insured against scratch. For example, some low-end car claims only need 300 yuan to go to 400 yuan, but the premium is close to 300 yuan. Therefore, experts suggest that it is a wise choice to buy scratch insurance for new cars and high-end cars.

About the treatment of automobile glass. There are generally three kinds of accidents in glass breaking: the road surface is smashed by splashing pebbles; Broken glass, stealing items in the car; Falling objects, smashing the front or rear windshield. Separate glass breakage insurance is more suitable for new cars and high-end cars, especially high-end cars. The price of a piece of glass is enough for you to buy the third phase of glass breakage insurance.

4, the whole car theft, according to local conditions.

It depends on the security environment of the community. Many car owners live in poor public security conditions, no fixed parking spaces, parking lots without any safety protection, and some models that are often stolen. It is best to guard against theft and rescue. Insurance companies will increase the rate or limit the insured amount for some high-end or Volkswagen models. Usually, an absolute deductible of 20% will be implemented for theft and emergency rescue. Even if you buy a deductible, it won't help. It is still recommended to protect the thief and save. Of course, if the anti-theft device is installed, the premium of the car can be reduced.

You can also buy it at the suggestion of the insurance company.

I believe everyone knows a kind of routine insurance that must be bought, such as car insurance. Let's talk about something else, such as water insurance. You may not know this kind of insurance when you buy it, so it is more appropriate to listen to the advice of the insurance company. After all, those professional insurance companies have rich experience, and the suggestions are worthy of reference. Such as China Life Insurance, China Ping An Insurance, Sunshine Insurance, Huaxia Life Insurance and other large-scale insurance suggestions are professional, and they will give recommendations and suggestions according to the geographical factors and the purchase factors of the same owner, so that we can make a choice on this basis. For example, if there is a lot of rain in the local area, it is better to buy one.

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