Did you lose your car in the parking lot, and even if it is stolen, the insurance company will not be responsible for compensation?

If the car is lost in the parking lot, it needs to be compensated by burglary insurance Company. When making compensation, a certificate of filing a case of theft and robbery issued by the public security criminal investigation department at or above the county level is required.

According to Article 2 of the Theft and Rescue Clause, in any of the following circumstances, the insurer shall not be liable for compensation if the whole insured vehicle is stolen, robbed or robbed:

(1) Unless otherwise agreed, there is no valid driving license and license plate issued by the traffic administrative department of the public security organ at the time of the insurance accident;

(2) When the insured claims, he fails to provide the procedures for stopping the motor vehicle or the proof of filing a case of theft and robbery issued by the local public security criminal investigation department at or above the county level;

(3) During the competition, the insured vehicle is inspected, repaired, maintained, detained, requisitioned and confiscated;

(4) The insured vehicle is transferred to another person, and the insured and the transferee fail to fulfill the notification obligation stipulated in Article 15 of the General Conditions in Part II of this insurance contract, resulting in a significant increase in the risk of the insured vehicle and an insured accident.

Extended data:

Article 21 of the Insurance Law of People's Republic of China (PRC) * * * The applicant, the insured or the beneficiary shall notify the insurer in time after knowing the occurrence of the insurance accident. If it is difficult to determine the nature, cause and loss degree of the insured accident due to intentional or gross negligence, the insurer shall not be liable for compensation or payment of insurance benefits for the uncertain part, except that the insurer has known or should have known the occurrence of the insured accident in time through other means.

Article 22 After the occurrence of an insured accident, when the applicant, the insured or the beneficiary requests the insurer to compensate or pay the insurance money according to the insurance contract, they shall provide the insurer with the certificates and materials they can provide to confirm the nature, causes and loss degree of the insured accident. According to the contract, if the insurer thinks that the relevant certificates and materials are incomplete, it shall promptly notify the applicant, the insured or the beneficiary to supplement them.

Baidu Encyclopedia-Theft and Rescue