Car insurance knowledge

Six kinds of risks without compensation

Most car owners think that everything will be fine if they buy insurance, and they can seek a claim from the insurance company for any problems in the future. However, industry insiders pointed out that you must not think that your car is put into the safe after you have bought the insurance. In some cases, the insurance company will not make claims.

Non-annual inspection

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Insurance is only valid for qualified vehicles, and vehicles that have not been inspected annually can only be regarded as unqualified vehicles. In this case, even if the insurance is purchased, it will not help.

Unannounced

The driver does not have an annual review, and the vehicle that he drives is a substandard vehicle, and the insurance company can reject any claims in accordance with the insurance contract.

When an unlicensed vehicle is out of danger, insured vehicle claims must meet two conditions: one is that the insured vehicle must have a driving license or number plate issued by the public security traffic management department; the second is to pass the inspection by the public security traffic management department within the specified period. This is the reason why a car purchased in a different place cannot be compensated for an accident on the way of picking up the car.

No fault

The "Insurance Law" stipulates: "There must be a determination of responsibility" before the insurance company can pay. Even if the insured is at fault, he must first claim compensation from a third party before it is possible to obtain compensation from the insurance company. Once the right to claim compensation from a third party is waived, the right to claim compensation from the insurance company is also waived.

Own family

The third party in third-party liability insurance, in layman's terms, is to exclude four types of people: the insurer, the insured, the driver and his family members of the vehicle in the event of an accident, and the family members of the insured.

Paid parking lot

According to the regulations of the insurance company, the insurance company will not be responsible for compensation if a vehicle is stolen in a toll parking lot or a commercial repair shop. Because the above-mentioned places are responsible for keeping the vehicles, the custodian shall bear the responsibility if the vehicle is damaged or lost due to improper custody of the custodian during the custody period. The insurance company is not liable for compensation. Therefore, whether the car is lost or delineated, the insurance company does not care about it.