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Data:2009-12-12 2:34
In May 2004, Mr. Wang, a friend drove his car on the highway out of trouble, bashed in the car and roadside barriers. As the Chinese People's Insurance Company in advance of a branch for the loss of the vehicle insured vehicle insurance and third party liability insurance, Mr. Wang and his friends went to the insurance claim, after checking through the claims personnel, but it was a reasonable exclusions.
Mr. Wang and his friends then why were the exclusions? It turned out that Mr. Wang's friends are learning to drive, learner drivers permit holders can not drive on the highway. According to China Insurance Regulatory Commission issued a "motor vehicle insurance policy," Di Bakuan item 7 of Article V provides that "the holding period of study and a driver's license and practice driving on the highway," an exemption from the insurance company is not responsible for damage caused by the compensation .
The remaining exclusions are: no driver's license; driving and driver's license type does not match the prospective driving the vehicle; holders of the military or armed police forces to drive the local driver's license, vehicle holding a driver's license to drive the local military or armed police vehicles; holders of learner drivers Learning driving license, no coach attendant guide, or do not follow a specified time, the road to learn to drive; internship driving large buses, trams, lifting cars and trailers with a car, no formal supervision and guidance of the driver and sat ; internship mission to drive police vehicles, fire engines, engineering rescue, ambulances and vehicles carrying dangerous goods vehicles; review by the driver who failed a driver's license, or without the police traffic management agrees with, holders of driving without review by driving permit; the use of a variety of specialized machinery vehicles, special vehicles of the personnel of the efficient operation of national authorities issued certificates; the public security traffic management department under the other belongs to without a valid driver's license and so on.
In addition to the above-mentioned driver's license or driving without a valid driver's license, car insurance company is not responsible for damage caused by compensation, the driver drunk driving, insurance and vehicle fled after the incident, fails to fulfill the agreed obligations to pay insurance premiums, but also part of the responsibility of exemption范围. Is therefore recommended that the general owners of the vehicles before the insured, we must carefully read the "motor vehicle insurance clause" clearly a responsibility of each exemption, strictly abide by the Terms and Conditions, conscientiously perform their obligations in order to avoid such as Mr. Wang, as the insured company exclusions and suffer undue losses.