Do not Chuxian unauthorized vehicle movement Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

In a traffic accident, Mr. Wu in order to rescue the wounded, the unauthorized movement of the scene of the accident. After the accident, in the Prepare all the necessary information to insurance companies for claims, the other exclusions made a decision.

Mobile Field rejected claims

November 18, 2003, Mr. Wu in the city for their own vehicle insurance company bought a third-party liability insurance. June 3, 2004, Mr. Wu driving in Pudong Jinqiao Junction turn right when you hit a pedestrian. At that time, the accident took place at busy junctions, taking into account the obstruction to traffic and timely to rescue the injured, Mr. Wu and friends moved the wounded, and 120 ambulance calls.

In the post-accident investigation, the traffic police department that failed to protect Mr. Wu was a good scene of the accident, which shall bear full responsibility for the accident. After traffic police team mediation, Mr. Wu compensation for the injured and transport loss of working time fees, hospital charges totaled more than 20,000 yuan. July 6, 2004, when Mr. Wu will be the relevant documents sent to the insurance company claims, the claims relevant to the Department told Peter, after the accident occurred because he was unauthorized moved the site, affecting the liability of insurance companies, insurance companies is not compensable.

In response, Mr. Wu was very unjust, when the accident occurred is very urgent, then make a move is aimed at the accident site to rescue the injured, nor is it?

Real rescue methods lead to inappropriate exclusions

I learned that Mr. Wu's insurance vehicles in June 2003 due to the collision Chuxian, the Public Order Department of Transportation responsible for the accident concluded that a violation of Mr. Wu, "approach to road traffic accidents," this Article, the provisions of the first paragraph of Article XXI, "Unauthorized Mobile Field did not do a good job marking, and then reporting", the negative full responsibility for the accident.

The very fact that the insurance company claims department told the writer that insurance policy clearly states: "Insurance, after vehicle accident, the insured person should take reasonable safeguards to protect rescue measures, and immediately to the accident report to police traffic control department ... ... "while Mr. Wu did not follow the provisions relating to real rescue. Claims in the previous case of contact, a number of drivers to get insurance claims, often secretly moved the scene, so that insurance companies in the liability findings and encountered a lot of trouble. In fact, the correct approach should first report the traffic police and insurance companies, in and marked before they can take reasonable measures to rescue.

Moderator attention

From his case is not difficult to find whether it is reasonable and necessary protection is the key to the case can receive compensation. Responsible for the accident scene of the accident is to determine the basis of unauthorized moving scene of the accident will inevitably lead to they have to bear full responsibility for the accident, thus affecting the insurer's liability. Thus, the general terms of automobile insurance Unauthorized Mobile regarded the scene into the scope of exclusion of liability. This case to remind the majority of auto insurance customers in the event of accident, the insured vehicles must protect the scene of the accident, first reported and then take appropriate measures.