The insurance industry believes that buyingcarInsurance does not mean putting the car in a safe, and the car is not fully insured in the true sense. You must clearly understand the insurance terms when purchasing insurance. This article gives you a breakdown of 9 types of insurance non-compensation situations.
"Have you bought insurance?" "I didn't buy it myself. I bought full insurance for my car." These two sentences are a bit funny. It is a general trend that insurance must be purchased for every car. Recently, an insurance company in Foshan succeeded in recovering a traffic accident involving driving without a license (recovering the compensation paid to the victim).
Case 1:
Driving without a license, the owner shall bear the compensation
At the beginning of last year, the owner Mr. Li purchased a one-year comprehensive third party liability insurance for his minivan Yue YD4××× from an insurance company in Foshan, with a compensation limit of 100,000 yuan. Soon after purchasing the insurance, Mr. Li's younger brother (who did not obtain a driver's license) drove the truck on National Highway 105 and collided with a pedestrian pushing a bicycle, causing the other party to die on the spot. The Public Security Bureau has determined that drivers who drive without a license and pedestrians do not follow the traffic lights on the crosswalk, the driver shall bear the main responsibility for the accident. After the accident, the insurance company paid the victim’s family three times with a total amount of 100,000 yuan.
The insurance company believes that the third party liability insurance for motor vehicles stipulated by the Road Traffic Safety Law aims to protect the injured third party and effectively and quickly compensate the victims for their losses. When insurance companies and policyholders apply for insurance, there is a corresponding agreement on exemption of liabilities. After the insurance company pays the insurance amount to the third victim in time, the advance payment should be recovered from the insured person. Since then, the insurance company has repeatedly repaid Mr. Li for the compensation paid to the family members, but the owner of the car has been delayed. Reluctantly, the insurance company had to take Mr. Li and his brother to court.
Not long ago, the court issued a verdict on this case. The court held that after the insurance company has performed its statutory indemnity obligations to third parties in accordance with the Road Traffic Safety Law, the insurance applicant and the insurance company should still determine the liability for insured accidents in accordance with the insurance contract; because the insurance clause clearly stipulates that there is no For a driver’s license or an invalid qualified driver’s license, the insurance company is not responsible for compensation for personal and property damage caused by the insured vehicle. The compensation paid by the insurance company to the victim’s family shall be jointly borne by the insurer Mr. Li and his younger brother. Within 10 days from the date of legal effect of the court’s decision, Mr. Li must pay the insurance company 100,000 yuan.
Case 2:
Insurance is not compensated if the tail compartment is pried
It is understood that in the event of an accident, the deductible part has become the focus of disputes between insurance companies and car owners. Some car owners mistakenly believe that "full insurance" means that all losses can be compensated. Recently, Mr. Xian had a dispute with the insurance company when he demanded compensation because the tail compartment lock was picked.
Recently, Mr. Xian parked his car on the side of a road in a residential area in Guicheng. When he went to work in the morning, he found that the tail compartment had been opened and the tail compartment lock had been broken. The property in the tail compartment was looted, and Mr. Xian immediately thought that his car had been insured, so he drove the car to the 4S shop and told the insurance customer service representative of the car dealer that the car had been "fully insured" and asked for insurance. The company compensates for the loss of the broken lock. The automobile customer service representative explained to Mr. Xian that the compensation conditions for the “whole car theft rescue” he purchased must be that the whole car was stolen and robbed. It is a disclaimer.Mr. Xian didn’t understand this, but in the end he had to spend 1071 yuan to replace the whole set.Car lock.
Reminder: full insurance is not a panacea. Nine situations in which insurance companies do not compensate!
Many new car owners think: I bought a full insurance, and if anything goes wrong, I should contact the insurance company. In fact, under certain circumstances, insurance companies will not make claims.
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