Auto insurance claims-eight situations where insurance companies do not pay claims[Auto insurance knowledge]

With homecarThe increasing popularity of auto insurance claims business has also increased. However, in some cases, insurance companies refuse to make claims. For novices, it is necessary to master some common sense of claims. A few days ago, it was learned from the Auto Insurance Claim Center of several insurance companies in Harbin that eight kinds of accidents, including the expiration of the driving license and the expiration of the temporary license, are all within the scope of refusal. According to the Auto Insurance Claim Center of PICC P&C Harbin Branch, there were five cases in which the insurance company refused to compensate due to the expiration of the temporary license plate. If it is not done, once the new car has an accident, it will not be covered by the claim. In the claims exemption regulations issued by insurance companies for consumers, in addition to the refusal of the temporary license expired, there are seven cases of auto insurance refusal. First, the driver’s license has passed the validity period, but has not been verified according to the regulations, and the vehicle driven is an unqualified vehicle, and the insurance company can reject any claim according to the insurance contract; The second is the risk of overloading or unlicensed vehicles. Insurance companies will keep them out of the risk of overloading or unlicensed vehicles. Once an accident occurs and is related to overloading, the insurance company can refuse to compensate for the overloading; The third is drunk driving. Because drunk driving has a certain moral hazard, insurance companies usually include drunk driving in the deductible scope; Fourth, lost or scratched cars in the toll parking lot, even if the car insurance is fully covered, if the car is lost in the toll parking lot, the insurance company will not compensate. Because according to the insurance company's regulations, the insurance company is not responsible for compensation if a vehicle is stolen in a toll parking lot or a commercial repair shop. Consumers should seek compensation from the parking lot. Therefore, drivers must pay attention to the receipt of parking fees every time they stop; Fifth, driving into a family member, because the third party in the third party liability insurance refers to the person or property under the insured vehicle that suffers damages due to the accident of the insured vehicle, in addition to the insurer and the insured. The victim under the car; Sixth, the other party’s full responsibility policyholder did not recover the compensation or went private after the accident. After the insured incident, both parties settled it privately. If the car owner submits a claim to the insurance company afterwards, the insurance company usually refuses, because the insurance company believes that the car owner did not report the case in time, and the insurance company did not go to the scene to conduct an investigation, and the car owner may defraud the insurance; Seventh, failure to report the case in time or repair the vehicle without authorization. The failure to report the case in time resulted in the insurer’s failure to determine the insurance liability or loss of the accident. According to the insurance contract, the insurer has the right to refuse compensation for the loss of the accident. However, if the vehicle is repaired without verification by the insurance company, the insurance company will also refuse to compensate. Therefore, insurance experts remind drivers, especially novices, to apply for valid certificates such as vehicle licenses and vehicle license plates in time after new cars are on the road, pay attention to the validity period of temporary licenses, and remind old drivers not to forget to apply for the annual review of the driver’s license. Motor vehicle inspection and other legal procedures required to go through. Otherwise, the insurance company will not compensate for the consequences. Related: ·Basic maintenance of the car in spring and summer
·[Auto Repair Knowledge]Causes and preventive measures of automobile oil leakage
·summerCar Air ConditionerTips to use
·How to run-in a new car and what should be paid attention to during the run-in period?
·[汽车修理知识]Does the new car need to be run-in?
·Comprehensive analysis of car expenses