"All risks" not "compensate" for daily use must pay attention to
Spirit damage compensate
Car insurance clause will have specific provision, any mental damages caused by insurance accident as exempted from liability. Although not compensated by the insurance company, the victim can demand compensation from the harm caused by mental losses through legal channels.
During the repair of loss not compensate
Insurance company before the accident vehicles to repair, send the specialist to survey fee, to determine the price of repair. If the vehicle during the period of repairing any collision or theft from happening again, the insurance company will be claims rejected. And repair of vehicles are responsible safekeeping, therefore should be compensation for loss of owners.
Wheel alone pay no damage
Personalized new clause in each insurance company shall, after will be in the rest of the vehicle is not damaged, only broken wheel separately to join the franchise clause, and has set up the corresponding additional risks to be added. If due to tire burst and cause serious accidents such as collision, rollover, thereby causing loss to the other parts of the vehicle, the insurance company is responsible for compensation.
The car goods damaged vehicles not compensate
Along with the increase in car accessories, now many owners like all sorts of gadgets is put inside the car, the car in beautification of at the same time, also for their car to increase the safe hidden trouble, too much too much items once the over load of the vehicle itself, can cause damage to the vehicle. If the items in the car or the roof loading vehicle crushed injures, the insurance company will not be responsible for compensation.
Earthquake damage caused by not compensate
For a long time, the insurance company for the loss caused by earthquake left out of the insurance liability. Car insurance clause lineage of franchise in practice, most of the property insurance covering most of the natural disasters, also do not have joined the responsibilities. Experts also said that due to the lack of data accumulated experience and support, earthquake risk of insurance company accept insurance is not yet mature. Charge for parking lot not compensate according to the regulation of insurance companies, all vehicles charge in the parking lot or commercial repair shop in the stolen, the insurance company shall not be held responsible for compensation. Because the place of vehicles have custody responsibility, during the period of custody, the depository shall bear the responsibility. Therefore, the insurance company has none.
Some accessories stolen not compensate
If it is not a car stolen, just some parts such as tires, audio, lighting equipment, such as theft, so the owner can only from recognize unlucky, because this kind of situation, the insurance company is not to claim. Only DaoQiang in whole vehicle, the police put on record after a period of time after failed to detect or recover, can obtain the insurance claims, vehicle ownership by insurance company.
No annual inspection vehicles don't compensate
According to insurance contract, insurance, affects only the eligible vehicles for no yearly check of vehicle can only be regarded as unqualified car, car not compensate, CheSun not compensate, even if the third party damage due to traffic accident three risks is not effective, all compensation will be borne by your own, white bought insurance.
The pilot was not careful not to compensate
Driver not careful, the vehicles are unqualified, insurance company may, according to insurance contract to reject any claims. Therefore, the owner should be careful on time, otherwise the out of the accident to claims is difficult.
