|
|||||||||||||||
|
||||||||||||||||||
Data:2009-12-12 2:34
Insurance auto insurance does not exist in this so-called "all risk", it is only salesman in order to attract customers "invented" a plausible concept. Commonly referred to as "all risk" is actually only included Jusun Xian, third party liability insurance, Daoqiang Xian, glass insurance, scratches insurance, car insurance and workers, excluding deductible, and several other insurance.
Even if the above-mentioned main risk insurance, additional insurance, in certain circumstances, the owner still have to foot the bill themselves. One engaged in the insurance industry a decade-long veteran has revealed for the owners, "insurance companies say no to you" in 15 kinds of conditions.
Drink driving, unlicensed driving, driving permit, driver's license did not lose the annual inspection.
Of these cases, the driver did not have driven on the road to qualification, serious violations of traffic law. In addition, the driver and quasi-driving type does not match the high-speed situations such as internship period, the insurance company will refuse payment.
1, the earthquake did not lose
Followed most of the responsibility of the property insurance policies do not protect the practice of the earthquake, in covering the vast majority of natural disasters, vehicle insurance provisions also removed the earthquake.
All along, the insurance company has always been wary of the earthquake insurance business. Due to lack of data and experience, the insurance regulators do not encourage insurance companies to cover.
2, mental losses are not compensable
The lack of insurance against the loss set standards for mental harm. Most of the insurance provision would have a similar provision, "because the insurance for any accident caused by the spirit as exclusion of liability for compensation."
3, the loss during the repair does not lose
If a vehicle during the occurrence of any collision repair, theft and other losses, insurance companies will be exclusions. Repair shop has the responsibility to keep maintain their vehicles properly.
4, the engine caused the engine after water damage is not compensable
This provision was surfaced last summer after a rainstorm. Insurance companies that the vehicles to water depth, engine flameout, the pilot was also forced ignition damage. Loss is caused due to improper operation.
5, puncture does not lose
Not occurred in other parts of the damaged vehicle, but the situation does not damage the wheel alone lose.
The abolition of the unity of the original terms of the provisions in the implementation of new personalized, individual insurance companies, without exception, this one join the deductible clause, and did not like "breaking the glass alone," the same as a corresponding additional risk.
More "worse" is that the terms of human security and peace also provides a separate wheel damage also includes the loss of wheels, while the Pacific Ocean, China and Thailand, and the terms of the earth such as insurance companies have yet to show that such words.
Of course, since tire burst caused by collisions, rollovers and other accidents, resulting in the loss of other parts of vehicles, the insurance company is still responsible for compensation.
6, was bashed in, instead of losing the car articles
If the vehicle has been loaded inside, or roof, damaged items, the insurance company is not responsible for compensation.
7, no damage through the direct repair will not lose
If a vehicle in the field Chuxian, you first set loss and then repair, or insurance companies because they can not determine the amount of loss but refused to compensate.
8, the perpetrators placed the full responsibility to run the non-compensable
If you have a collision with other vehicles, and the responsibility to each other, can not find it troublesome or rows to each other kindly and give up the right to seek compensation. Once abandoned to a third party recovery rights, also abandoned the right to claim compensation to insurance companies.
9, car Meidiu, tire lost, instead of losing
If it is not the entire vehicle is stolen, only components such as tires, audio equipment were stolen, the owner can only Zirendaomei.
If the same situation occurred in Taiwan, can be insured parts, accessories stolen additional terms of loss will be compensated.
10, dragging the car without insurance, collision does not lose
If towing a car because you are not covered by insurance third party liability insurance of vehicles the road, collided with other vehicles and take full responsibility, insurance companies are not going to make any compensation. Trailer, you risk than to raise the number of insured.
