Xiao Bian, I often encounter such a car friend asked this question, why did I buy a car insurance when it was obviously bought the car "all risk", why after the accident the insurance company actually confidently refused compensation? This is simply a fraud! In actual fact, when you purchased the auto insurance, a series of items on the back of the insurance policy with a series of insurance clauses for deny compensation were clearly stated. It was just that everyone did not observe it carefully. Then I will put it for everyone. These deterrence programs in everyday life simply describe a few typical examples.
1. These days, “deep and wide†has been under heavy rain. The street is not exaggerating. Some people still are still fishing. It can be imagined how big this rain is, but I received such a phone call from a Shenzhen friend. The car was flooded. After the fire broke out, it failed. When negotiating with the insurance company, she actually told her not to pay compensation. If this is the case, then you think you are unlucky. If it is flooding in the city, after the vehicle is flooded, you can't start the fire again. This will cause damage to the engine's water and the insurance company. It is a refusal to pay compensation. Do not avoid!
2. In everyday life, it is common for vehicles to scrape. If you are a third-party driver, you must stabilize the perpetrator. If you run away, you cannot blame insurance. The company is merciless, and you will lose two words and refuse to pay! If you are a local rich second generation, go with him to the ends of the earth!
3, insurance companies have a clear relevant regulations for auto insurance, to pay the insurance must pay the vehicle must have two prerequisites, the first is within the prescribed period of time through the traffic management department inspection qualified, followed by insurance vehicles have traffic management Department issued a license and driver's license. Otherwise, the insurance company refused to pay!
4. Nowadays, many local tyrants have several cars in their personal names. If the collision occurs in the vehicles under their own name, the insurance company is refusing to pay compensation because both cars are the property of “youâ€, which is not There is a third party, so everybody Tyrant please don't be self-willed.
5. Vehicle insurance clauses have relevant express provisions that the insurer shall not be compensated for traffic accidents caused by the use of state-controlled narcotic drugs and psychoactive drugs or after drinking alcohol. Therefore, for the safety of the family and everyone, do not drink or drive, or else it is really the end of life. (Text | Sun Ni)
Zhejiang Kehao Plastic Machinery Co., Ltd. , https://www.khplasticmachinery.com