Jiedaxing property

Case On the evening of August last year, Mr. Sun collided with other vehicles while driving. Afterwards, the traffic police department determined that Mr. Sun was fully responsible for drunk driving. Mr. Sun asked the insurance company to pay according to the third party liability insurance. He believes that according to the Road Traffic Safety Law, if a motor vehicle accident causes personal injury or property loss, the insurance company should compensate it within the liability limit of compulsory motor vehicle third party liability insurance. However, when Mr. Sun went to the insurance company to make a claim, he was "blocked".

Reasons for not paying compensation: The adjuster of the insurance company said that the terms of the company's auto insurance policy have clearly stated that the insurance company will not bear the loss or economic compensation liability caused by the driver's drinking. China's "Insurance Law" also stipulates that the insured fails to fulfill the obligation of informing when the risk of the subject matter insured increases, and the insurance company does not bear the liability for compensation for accidents such as drunk driving.

Business Daily reminds: Most drivers know that drunk driving is illegal, and once it is discovered, it will be seriously dealt with by the traffic control department. But not everyone knows that drunk driving can't get compensation. According to relevant sources, drunk driving is generally divided into two situations, one is drunk, knowing the danger of drunk driving and driving. One is that he only drank a little wine, and the accident was mainly caused by negligence. For drunk driving, commercial three risks are clear, and compulsory insurance stipulates that insurance companies can advance rescue expenses in advance. According to the Threshold and Inspection of Alcohol Content in Blood and Exhaled Gas of Vehicle Drivers issued by the State Quality Supervision, Inspection and Quarantine Bureau on May 3, 2004, the driver's blood alcohol content is more than or equal to 20mg/ 100ml and less than 80mg/ 100ml for drunk driving; The alcohol content in blood is more than or equal to 80 mg per 100 ml for drunk driving.

Remember that sentence: drink without driving, drive without drinking.

Don't lose two. Unlicensed cars are dangerous.

Case Mr. Chen spent 654.38+10,000 yuan to buy a new car, and insured the new car against car damage, theft and third party liability insurance. And paid the premium in one lump sum. But I didn't expect that in less than a week, Mr. Chen's new car was stolen before the license was completed. After many unsuccessful attempts to report the case, Mr. Chen went to the insurance company to claim compensation, but was refused compensation.

Reasons for not paying compensation: There is a special provision in the new car insurance policy: "The responsibility for stealing and robbing the whole car under this policy will take effect from the date when the vehicle is licensed." Because its license plate has not been obtained, the insurance company is not liable for compensation. According to industry insiders, if a new car is insured with additional risks such as car damage insurance and third party liability insurance, the engine number and frame number can be registered, and it can also be identified accordingly after the accident. Car theft and rescue are different. Only the official license plate can show the identity of the vehicle. Without the license plate number, there is no way to register the vehicle. Once the vehicle is stolen and robbed, it is impossible to confirm the identity of the vehicle, which is very risky for the insurance company. Therefore, at present, all major insurance companies require motor vehicles to be licensed before they officially begin to assume insurance liability. Before the loss of Mr. Chen's vehicle was certified, the insurance liability for theft and rescue had not yet begun, and the insurance company was naturally not responsible for compensation.

Business Daily reminds: When a vehicle is in danger, the insurance vehicle claims must meet two conditions: First, the insurance vehicle must have a driving license or number plate issued by the public security traffic management department; Second, it has passed the inspection by the public security traffic management department within the prescribed time limit. Therefore, remind consumers to remember to protect their cars from being stolen before the new car is licensed.

At the same time, it is necessary to remind the owner that in the event of an accident and related to overload, the insurance company can also refuse to pay compensation on the grounds of overload. Insurance companies also refuse to pay compensation to driving without a license or those whose driver's license has expired. The reason is simple: the insurance has not yet taken effect.

Three cars that have not been inspected annually will not be compensated.

Case: A cyclist has been driving a Jetta for two years, and he is fully insured every year. He is confident in the protection of his car. Not long ago, the vehicle was lost. I went to the insurance company to report the claim, and the insurance company replied: No compensation! Because the car didn't have an annual inspection.

Reasons for not paying compensation: According to the insurance contract, insurance only takes effect for qualified vehicles, and vehicles that have not been inspected annually can only be regarded as unqualified vehicles. In this case, it is useless for you to get insurance. The reporter learned from a number of property insurance companies in Beijing that there are things that refuse to pay compensation every year because the vehicles have not been inspected annually.

Business Daily reminds: Consumers must have their annual inspection on time, even if it is a day, not too late. Otherwise, the fine is small and the visa refusal is large. You don't have to pay for the lost car or car damage. Even if a traffic accident causes losses to a third party, the three insurances will not take effect. All the compensation will be borne by you, and the insurance was bought for nothing.

According to the reporter, the annual inspection of motor vehicles in Beijing is stipulated in this way. The new car will participate in the annual inspection in the month of the second year after the purchase of the car to detect the exhaust gas; Small vehicles that have not been operated 1 year and less than 6 years are inspected once every two years, and only exhaust emissions are detected every year. Vehicles with a vehicle age of more than 6 years but less than 10 shall be inspected once a year; /kloc-motor vehicles over 0/0 should be inspected twice a year; Motor vehicles with 15 or more are inspected four times a year, and those that fail the inspection will be scrapped.

No compensation, 4 drivers did not have annual inspection.

Case Ms. Liu has been driving a Fukang car for 5 years. One day in 2006, she ran into the stone railing at the bridge head because she avoided passers-by during normal driving. The people in the car were not seriously injured, but the vehicle was seriously damaged. Cars are insured with insurance companies against car damage, theft, three risks and four risks, with no deductible. However, after reporting to the insurance company, it was rejected by the insurance company.

Reasons for not paying compensation: The reason given by the insurance company is: Because Ms. Liu did not have an annual review. The insurance clause has stated that the insurance company is not responsible for compensation if the driver does not have an annual inspection or a driver's license. Because you don't have an annual review and a driver's license, you can't prove that you are qualified to drive, and the country doesn't allow you to drive on the road at all. Insurance companies will naturally not pay for this "unqualified".

Business daily reminds: be serious, don't be afraid of trouble, and then go to the annual review. Otherwise, the fine is small and the visa refusal is large. At present, most driver's licenses don't need annual inspection, but they need to be renewed every six years. It is even more important to know the time of renewal.

Don't lose five. Hit his family with his car.

Although it is rare to hit someone with a car, it did happen, and the case once caused a sensation throughout the country.

Case Mr. Liu was driving a Beijing jeep and somehow knocked down a pedestrian as he approached the door. Mr. Liu got off the bus and saw that it was his wife, Ms. He. Ms. He was hospitalized for more than a month and spent tens of thousands of yuan. During his wife's hospitalization, Mr. Liu remembered that the car had three risks, so he went to the insurance company to claim compensation and was rejected.

Reasons for not paying compensation: The third party in the third party liability insurance refers to the victim under the vehicle except the insurer and the insured, who suffers personal or property damage under the insured vehicle due to the accident of the insured vehicle. Generally speaking, the third party excludes four kinds of people: the insurer, the insured, the driver at the time of the accident and their families. Not only car insurance, but also other liability insurance.

Business daily reminds: driving is still safety first, let alone your own home, and others can't hit it!

Don't lose six percent. Lose your car or scratch it in a toll parking lot.

Case Miss Li lives in a residential area near the Third Ring Road. There are some parking spaces between residential buildings, which can be regarded as above-ground parking lots.

Miss Li has to pay more than 300 yuan parking fee to the property every month. Last June, Miss Li lost her car while parking in the community. Because Miss Li got full auto insurance, she claimed theft from the insurance company. The unexpected answer is: any car lost in the toll parking lot will not be paid by the insurance company!

Reasons for not paying compensation: According to the regulations of insurance companies, insurance companies are not responsible for paying compensation for vehicles stolen in toll parking lots or operating repair shops. Because the above places are responsible for the custody of vehicles, during the custody period, if the vehicles are damaged or lost due to improper custody by the custodian, the custodian shall bear the responsibility, and the insurance company shall not be responsible for compensation. So the insurance company doesn't care whether the car is lost or scraped.

Business daily reminds: the correct way is to find a parking lot claim. Therefore, drivers must pay attention to the receipt of parking fees every time they stop. Although many related regulations of toll parking lots say "pay for it", according to the standard contract in China's contract law, this is a unilateral shirking of its responsibility. If it cannot be settled through consultation, it will have to resort to law. It is reported that someone has won such a lawsuit.

Seven don't compensate, the other party is fully responsible, and you don't recover.

Case In the early morning of April last year, Zhu Xiao unfortunately collided with others while driving, and the vehicle was seriously damaged. This is not Zhu Xiao's responsibility, because the other party drinks alcohol and drives illegally. But after the incident, the other party didn't want to lose money and wanted to derail. Zhu Xiao didn't want to tangle with the other party, so he directly claimed compensation from the insurance company, which refused.

Reasons for not paying compensation: the insured must claim compensation from a third party in order to obtain compensation from the insurance company. Once you give up the right to claim compensation from a third party, you also give up the right to claim compensation from the insurance company.

Business Daily reminds: In case of danger, the responsibility lies with the other party, and you must first seek compensation from the other party. If it fails (it is best to have proof that the court enforcement is unsuccessful), you can confidently seek compensation from the insurance company.

Failure to report the case in time or repair the vehicle without authorization will not compensate 8%.

Case Xiao Wang accidentally hit a big stone while driving in the suburbs, causing the water tank to leak. In desperation, Xiao Wang found a nearby repair shop to repair it and continued on his way. When I returned to the city, I remembered to report the case. However, the insurance company refused to claim compensation on the grounds that Xiao Wang did not report the case in time and repaired it himself.

Reasons for not paying compensation: As the insurance company failed to report the case in time, the insurance liability or loss of the accident could not be identified. According to the insurance contract, the insurer has the right to refuse to compensate for the accident losses.

If the vehicle has not been repaired by the insurance company, the insurance company will also refuse to pay compensation.

According to the insurance contract, "the insured vehicle is damaged due to the insured accident and should be repaired as much as possible." Before the vehicle is repaired, the insured shall check with the insurer to determine the repair items, methods and expenses. Otherwise, the insurer has the right to re-approve or refuse compensation. After the insured accident, the insured shall not repair the vehicle without the approval of the insurance company. Otherwise, the insurance company has the right to re-examine until it refuses to pay.

Business Daily reminds that after an accident within the scope of insurance liability, the insured should take reasonable protection and rescue measures, and immediately report the case to the public security traffic management department, and at the same time report the case to the insurance company within 48 hours. Don't repair the vehicle without authorization, wait until the insurance company determines the damage.

Your driver's license failed the test, and you are in driving without a license. . . Sorry, insurance company. . .

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.