Does all automobile insurance really pay off?

In the good times of the Spring Festival each year, the little friends who have returned home by car, have to be careful when driving on the road. Xiao Bian rushes to remind the small friends who are ready to travel before the holidays. Even if you take the full risk, Insurance companies can also refuse to pay it.

1. Non-confrontation without direct damages is most likely to occur when the risk occurs in different places. For example, self-driving tour must be preceded by damage and then repaired. Otherwise, the insurance company will refuse compensation because it cannot determine the amount of loss.

2. It is necessary to note that the driver who drives an unlicensed vehicle or has a temporary license expired to raise a new car needs to be aware that the temporary license is limited by the time and the driving area, and that only the TAC insurance is effective immediately for new car insurance, and other commercial insurances will not be effective until the following day. The empty period needs to be clear to everyone.

3. If the other party takes full responsibility for the insurance claims that are not claimed by the parties, they should first ask the perpetrators for compensation. Otherwise, the insurance company will be deemed to have voluntarily waived the right to claim compensation.

4, overdue report does not lose more than occurred in the unilateral accident, must be reported within 48 hours, or the insurance company will directly refuse compensation.

5, rearview mirror, lights, wheels and loss of their own equipment installed without paying the rearview mirror, car lights alone damaged, or wheels (rims, tires) puncture, lost, even if the "car damage insurance" Insurance is not lost (in the case of two-car or multi-car accidents, the rear-view mirror and the headlights are lost. The joint accident caused by a flat tire, insurance payout)

6, charge the parking lot, stolen does not pay the correct way is to find the parking lot to claim. Normally you will encounter wrangling, so it is very important to keep the relevant bills. Onion brothers always carry the cards when they get off the parking card. If there is a problem that cannot be resolved through negotiation, then it will be handed over to the law and the probability of winning a lawsuit is certain.

7. During the repair period, the vehicle damages again, and the insurance company refuses to pay compensation for any collision, stolen, or other losses incurred by the vehicle during commission maintenance work. If such a thing happens, you can ask the maintenance commissioner (4S shop, repair shop) for compensation.

8, driver's license and driving this does not meet the requirements, insurance does not pay.
Driver's license and driving book are not in compliance with the insurance regulations as long as they have not passed the annual examination; they also include unlicensed driving, incomplete documents (driving license, driving the absence of this); driving and quasi-driving type of vehicles (holding the military , driving a local vehicle) is not lost.

9, drunk driving, drug driving, drug caused, or subjectively deliberately caused the accident to refuse compensation.
This is a good understanding, but it should be noted that some cold medicines and antidepressants contain drug ingredients that can cause drowsiness, leading to a slow reaction to the accident and no insurance coverage.

10. There is no need to explain this escape after an accident