Must See: 6 Reasons to Avoid Auto Insurance
Whether it is a new car or an old car, buying insurance is something that we all know must be done. It is just that the type of insurance that is usually chosen is not the same. When the owner is in a sudden situation, the insurance can escort our car. The reduction of our losses, but occasionally encounter some conditions of insurance companies to change the law to lose less, or even to pay compensation, so there are many things about insurance we need to make it clear, until you really regret it is that you Now. Reasons for refusal to pay compensation 1 - report is not timely Some car owners have planned to take out insurance to pay out after they have been evacuated in a parking lot or a community car. After the first two things went up, they forgot to wait until they thought about finding insurance companies. This situation is very common. According to China’s “Insurance Lawâ€, the insured must notify the insurer within 48 hours after the accident. Otherwise, the insurer will not be liable for compensation. Therefore, once an accident occurs, the insurance company should be reported in a timely manner. Reasons for refusal to pay 2 - violation of law This should be clear to everyone, if the drunk driving crash or red lights caused by damage to the vehicle, insurance companies can refuse to pay, even though this is largely for the interests of insurance companies, but from a certain point of view It is also to restrain the owner to remember to obey the traffic rules at all times. Reasons for refusal of compensation 3 - driving without license and inconsistent with quasi-drive type This situation generally occurs when some drivers give their car to friends or children to practice the car, as their own coaches, as a result of car crashes and the like, the insurance company can also choose to refuse compensation. As for driving licenses that are inconsistent with quasi-drive types, this will also result in closed doors. In the normal use of cars, we must pay special attention to this situation. Do not open privately before friends or children have obtained a driver's license. Ride a car in your own car. There is another situation where the driver's license is revoked and the driver is still driving an accident. Not only is the insurance not lost, but also the legal liability. Reasons for refusal of compensation 4 - damage caused by accident during maintenance During the maintenance of the car, the maintenance shop has the responsibility of the care of the vehicle. If an accident occurs during maintenance, the insurance company also refuses to pay. Although the possibility of such accidents is relatively low, we must also guard against them. In addition to the repair units that are looking for help, the receipts for repaired invoices must be preserved. Reasons for refusal of compensation 5 - deliberately creating an accident Intentionally creating an accident is not just an issue that the insurance company does not pay, but it is a kind of fraud. Once it is found, it will not only get no premium but also be punished by the law. This kind of unpleasant task is too risky. Never mind this kind of brainstorming. Now the insurance companies are not so foolproof. Reasons for refusal of compensation 6 - irresistible factors Force Majeure Factors Before we purchase insurance, we should generally figure out for ourselves which deductible clauses are there and maximally avoid our own losses. Force majeure factors include: earthquakes, riots, military conflicts, government expropriation and so on. In addition to these, in fact, there are still many insurance companies will not pay, we should pay special attention to the usual purchase of auto insurance. Of course, in 2016, there were many new measures and reforms in insurance. In addition to the last time the small premiums were linked to premiums and insurance rates, there were still some former insurance companies that refused to pay, and now they can pay. The point is coming! The point is coming! The point is coming! Three important things to say! After the following conditions appear, you can claim with the insurance company! Has hit his own family since his family The new clause expands the scope of insurance coverage. “The casualties of the family members of the insured and the driver†are included in the scope of coverage. Obviously, even if they bump into their own vehicles, they may obtain insurance claims. . The accident caused the person in the car to bruise In the event of hail, typhoon, torrential rain, heavy snow, and other natural disasters, the accidents caused by the accidents on the vehicles and the damage to the vehicles can be compensated. Recently, drivers in stormy areas such as Wuhan have paid special attention to this. About on-board personnel liability insurance When the vehicle door is not fully closed, the vehicle’s personnel suffer personal injury or death while they are under the insured motor vehicle, and the insured company’s compensation can be obtained in the event that the insured vehicle is robbed or has caused casualties during the robbery. The driver's license is invalid or the inspection is not qualified According to the previous situation, accident insurance companies that appeared during this period can always refuse to pay, but after this year's reform, we must keep in mind that there are any accidents during the period, car damage and liability insurance, stolen emergency insurance, on-board personnel liability insurance, etc. All are valid and can make claims to insurance companies. 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