Category: Insurance tips Release Date: 2006-08-01
For those who purchased a new car, whether on the vehicle all-risk insurance, it means that they can brazenly drive out? The answer is no. As far as I know, even if the new car on the all-risk insurance, a number of special cases it is not part of the scope of insurance claims. Therefore, in order to avoid damage to new vehicle owners, the new owner in the process of driving some of the details still must pay attention to. So, what special circumstances does not belong to insurance companies to protect the scope? There are four kinds of special circumstances:
Parking charges Diuche normal circumstances, the vehicle parking fee, or commercial repair shop in the stolen, insurance companies are not responsible for payment. Because the insurance company that places on the above vehicles, parking is the responsibility of custody of the vehicle.
Therefore, the encounter such Diuche situation, the insured claims for insurance companies no longer need to go, even to find insurance companies, insurance companies are not responsible, but as soon as possible to gain time, so that custody of the vehicle properly, resulting in loss of vehicle The custodians, responsible for compensation.
The driver intentionally accident under the insurance provisions, the driver's intentional acts were the responsibility of the scope of exemptions, so even in the event of any emergency situation, if the driver intentionally caused the accident, insurance companies are not responsible for payment.
Therefore, the owner must comply with these provisions, or otherwise victims of their own, of course, motorists do not trust to luck psychological, deliberately creating an accident, so that not only to obtain compensation, but also for their potentially fraudulent wear the hat.
Vehicle insurance products within the item is lost in accordance with the provisions of insurance coverage, Dao Qiangxian the scope of compensation is only the vehicle itself, excluding vehicle items. Currently insurance companies do not cover the majority of items in the car, and only a small number of the company's property insurance products can be committed to the car's special items for compensation.
Therefore, the insured as far as possible not to put valuables inside their cars, should be on relatively safe place, or carry, to avoid being unexpected, and give ourselves unnecessary damage to property.
Apply on vehicles hit by a third-party liability insurance, vehicle insurance is only responsible for damages caused by accidents, third-party personal injury or property suffered a direct loss.
In the third-party liability insurance required under the terms, "third party" in the definition does not include the insurer, the insured person, the car accident when the driver and family members as well as the insured person's family members. Therefore, the drivers hit the apply on if you do not care, but to Zirendaomei, because this situation is not the insurance company paid for.
