Under what circumstances will car insurance not be covered, and under what circumstances will car in

1. Drunk driving: It is clearly stipulated in the terms of motor vehicle insurance that the insurance company is not responsible for the loss or economic compensation caused by driving far away from drinking. The purpose is to restrain drivers to strictly abide by traffic rules and regulations, put an end to drunk driving, and ensure the safety of people and drivers as much as possible.

2. Vehicles without annual inspection: The annual inspection of vehicles is to ensure that the vehicle itself is on the road in accordance with the provisions of the law, and the annual inspection mainly includes a period of inspection, violations, appearance inspection, on-line inspection, etc., in order to ensure that the vehicle is in a safe state as much as possible.

3. The driver's license has not been reviewed annually.

4. No compensation for the equipment installed by yourself: Many car owners will install audio, luggage tailhang, etc., but once the crash causes losses, the insurance company will not compensate for these new equipment.

5. No compensation for some parts stolen: insurance companies usually stipulate that "not all parts of the car are stolen, only the parts or accessories on the car are stolen, robbed, or damaged" as an exclusion.

6. Waiver of the right of recovery without compensation: After the car is out of insurance, if it is someone else's responsibility, you must first find the other party to claim compensation, and then find the insurance company when it fails, and transfer the right of recovery to the insurance company.

7. No compensation during car repair: If the vehicle is in a collision or theft during the repair period, the insurance company will not compensate for the loss. Because it is the responsibility of the repair shop to take good care of the maintenance vehicle.

8. In addition, the insurance clause generally stipulates that the insured vehicle will not be responsible for compensation for losses received during the "race and test".

Can I pay for car insurance? Old driver: I don't pay for these situations, and I don't know that I will suffer a big loss.

Car insurance does not cover in the following cases:

1. No compensation will be paid for damage to the installed equipment. After buying a car, many car owners will install their own audio, refrigerator, rear wing, luggage rack and other equipment. However, once the crash causes losses, the insurance company will not compensate for the newly added equipment;

2. No compensation will be paid for injuries to relatives and friends. The so-called "third party" in insurance excludes the following four types of persons: the insurer, the insured, the driver and his family members in the event of an accident, and the family members of the insured.

However, in some actual cases, the court will not always support this reason for refusal of compensation, and it will be analyzed on a case-by-case basis.

3. Failure to conduct annual inspections, drunk driving, and driving without a license.

If it does not match the type of quasi-driving, the insurance company will also refuse to pay compensation;

4. The engine is operated incorrectly after water ingress. That is, after the vehicle is driven to the depth of the water and the engine is turned off, if the driver forcibly ignites the damage caused by improper operation, the insurance company refuses to compensate;

5. If the vehicle suffers from the loss of an accident during the repair period, repairs the leakage by itself without assessing the damage, fails to inform the insurance company of the accident for more than 48 hours, and waives the right of recourse to the insured, the insurance company will not compensate for these circumstances. In fact, all kinds of insurance will have targeted deductible clauses, and when you buy it, you will pay attention to the fact that you will know which circumstances will not be compensated.

Car insurance claims may be denied in the following situations:

1. The driver has not obtained driving qualifications;

2. The driver is drunk;

3. The insured motor vehicle was stolen and robbed during the accident;

4. The insured deliberately causes a traffic accident because of his foolishness;

5. If the driver's license is not inspected annually, it will not be compensated.

Claim settlement is a concrete embodiment of the insurance company's execution of the insurance contract, the fulfillment of the insurance obligations, and the assumption of insurance liability. On the one hand, only if the claims settlement work is done well, can the insured be compensated for the losses caused by the insured, the function of insurance can be brought into play, the smooth operation of social reproduction and the normal stability of people's lives can be guaranteed, and the credibility of the insurance company can be improved. On the other hand, through insurance claims, the quality of underwriting business can be tested, and the weak links in disaster prevention and loss prevention can be exposed, so that the company can further grasp the law of disaster accidents, summarize and learn lessons and lessons, and further improve and enhance the company's operation and management.

The full risk of car insurance refers to: compulsory traffic insurance + car damage insurance + three liability insurance + deductible + car personnel insurance, and if conditions permit, you can also add theft insurance, glass breakage insurance, body scratch insurance, etc.

13 Situations That Can't Be Claimed:

1. Drunk driving, driving without a license, driving license, driver's license without annual inspection will not be compensated. In these cases, the driver is not qualified to drive on the road, not only is it a matter of not paying compensation, which is a serious violation of the traffic law and will be investigated for criminal liability.

2. No compensation. This situation follows the practice that most property insurance companies do not cover liability, and insurance regulators discourage insurance companies from underwriting due to a lack of data and experience.

3. No compensation for mental losses caused by insured accidents. Most insurance policies will have a similar provision that "any moral compensation arising out of an insured event shall be deemed to be exempt from liability".

4. Losses during car repair, such as collision and theft, will not be compensated. The repair shop is responsible for taking good care of the repaired vehicle, so if the vehicle is sent in for repair, any collision, theft, etc., the insurance company will deny compensation.

5. Engine damage caused by water ingress into the engine, such as secondary ignition when the waterlogged road section breaks down. The insurance company believes that the damage was caused by improper operation, and that the driver forced the fire to cause the damage after the engine stalled when the vehicle was driven to the depths of water.

6. There is no compensation for the damage of the wheel alone, but the collision and rollover accident caused by the tire can be compensated.

7. No compensation will be paid if it is damaged by items in the car. If the vehicle is injured by something inside the cabin or on the roof, the insurance company will not be liable for compensation.

8. If the car is repaired directly without damage assessment, the insurance company will refuse to pay or underpay. If the vehicle is out of town, it is also necessary to assess the damage before repairing the car, otherwise the insurance company will refuse to compensate because it cannot determine the amount of loss.

9. The perpetrator who is fully responsible will not be compensated if he runs away. In the event of a collision with another vehicle, the responsibility lies with the other party, and if the right to recover from a third party is waived, the right to claim compensation from the insurance company is waived.

10. If tires and audio equipment are stolen, but the car is not stolen, no compensation will be paid.

11. Driving and towing a vehicle without third-party liability insurance on the road, colliding with other vehicles and taking full responsibility without compensation.

12. The third-party liability insurance will not pay for hitting your own family, and there will be no compensation for the collision of vehicles under the name of the same unit.

13. There is no compensation for the equipment installed by yourself, such as audio, radio, etc.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

It is enough to buy these 4 types of car insurance at most, and the rest is just sending money to the insurance company.

If you pay the full insurance, the insurance company will not pay for the following situations.

1. In general, if the vehicle is stolen in the paid parking lot or in the commercial repair shop, the insurance company is not responsible for compensation.

2. Intentional accident of the driver:

According to the terms of the insurance, the driver's intentional act is excluded from liability, so even in the event of any emergency, the insurance company will not be responsible for paying if the accident is caused by the driver's deliberate actions.

3. Loss of items in the vehicle:

According to the insurance coverage provisions in the insurance product, the coverage of theft insurance is only the vehicle itself, not the contents of the vehicle.

4. The vehicle hit his own family:

Third party liability insurance is only responsible for compensating for the direct loss of life** or property suffered by a third party as a result of an accident in the insured vehicle.

The definition of third party does not include the insurer, the insured, the driver and family members of the vehicle in the event of an accident, and the family members of the insured. Therefore, if a motorist accidentally hits his or her own family, the insurance company will not pay.

5. Other losses that are not within the scope of insurance liability:

If the headlights or rearview mirrors are damaged separately, there will be no compensation.

No compensation will be paid for letting the perpetrators who are fully responsible.

If the engine is damaged due to forced ignition at the depth of the water, it will not be compensated.

Damages incurred during the repair of the vehicle are not compensated.

If you drag a car without compulsory traffic insurance, you will not be compensated for the accident.

There is no compensation for equipment installed without permission.

There is no compensation for damage caused by items in the car.

No compensation will be paid for direct repairs without damage assessment.

No compensation will be paid for the theft of vehicle parts.

6. If you are drunk driving, driving without a license, and your driving license or driver's license is not inspected, the insurance company can also refuse to pay compensation.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Novice drivers should note that even if the vehicle is fully insured and the three are also very high, there are no compensation for these points.

In these cases, the insurance company is not compensated by car insurance

1. The party is driving while intoxicated;

2. The driver drives without a license or lends the car to an unlicensed person to drive;

3. The driver deliberately caused a traffic accident.

[Legal basis].In any of the following circumstances, the insurance company shall pay the rescue expenses within the limits of the compulsory insurance liability for motor vehicle traffic accident liability and shall have the right to recover compensation from the victim:

1) The driver has not obtained driving qualifications or is intoxicated;

2) The accident is caused during the theft and robbery of the insured motor vehicle;

3) The insured intentionally causes a road traffic accident.

In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property loss of the person who was injured by the previous cause.

1. There is no compensation for an accident caused by towing an uninsured car:

If the owner of the vehicle drives a vehicle without third-party liability insurance and collides with another vehicle and bears full responsibility, the insurance company will not compensate.

2.If you hit your family, don't pay :

The so-called first and second refer to the insurer and the insured (the driver is considered the insured), except for these people, they are considered third people. In the terms of the insurance, family members of the insured or driver are excluded from the category of "third parties".

3.No compensation for equipment installed without permission:

Many car owners will install their own stereos, radios, refrigerators, rear wings or luggage racks after buying a car. In the event of an accident, the insurance company will not compensate for the loss of privately installed equipment. Owners need to insure the equipment they install separately.

4.No compensation will be paid if the lamp or mirror is damaged alone

This exclusion clause was created to deal with insurance fraud at some repair shops. In the past, some repair shops used to install replaced broken lamps or mirrors on other cars of the same model to defraud compensation.

5.Don't pay for damage to the goods in the car:

The insurance company is not liable for damage caused by a collision between the vehicle and the dust cargo loaded on the compartment or roof.

6. Take full responsibility for whether the perpetrator runs away or not

If the owner of the car collides with other vehicles, the responsibility lies with the other party, and the right to claim compensation from the other party cannot be waived due to urgency or other reasons. Once the owner of the car has waived his right to recover from a third party, he has also waived his right to claim compensation from the insurance company.

7.No compensation for direct repairs without fixed damage:

If the vehicle is in danger abroad, the owner needs to determine the damage before repairing it, otherwise the insurance company may refuse to pay because the amount of damage cannot be determined.

8.Engine damage caused by forced ignition in deep water is not compensated:

The vehicle went deep into the water, and the driver forcibly ignited the gas and caused damage to the engine, and the insurance company did not compensate because the loss was caused by the driver's improper operation.

9.No compensation for stolen vehicle parts:

If only tires, audio and other spare parts are stolen, the owner can only bear the loss.

10.Damages incurred during vehicle repairs are not compensated:

In the event of a loss such as collision, theft, etc., during the repair period, the insurance company will refuse to compensate because the repair shop is responsible for the proper care and repair of the vehicle.

1. No compensation for drunk driving, driving without a license, driving license and driver's license without annual inspection: In the above cases, the driver is not qualified to drive on the road, which is a serious violation of the traffic law. In addition, the insurance company will also refuse to pay compensation if the driver does not match the type of driver who is allowed to drive, or if the driver is on the highway during the probationary period.

2.No Indemnity: As a rule, most property insurance does not cover liability.

Insurance regulators discourage insurers from underwriting due to a lack of data and experience.

4.No compensation for losses during repairs: The workshop is responsible for the proper care and repair of the vehicle. Therefore, if the vehicle is damaged in a collision or theft during the repair of the mold bend, the insurance company will refuse to compensate.

5.No compensation for engine damage caused by water ingress into the engine: The insurance company believes that this loss is caused by improper operation. When the vehicle was driven into deep water, the driver forcibly ignited the engine after it turned off, causing damage. This clause surfaced after heavy rains last summer.

6.No compensation for flat tires: no compensation for other parts of the vehicle, but no compensation for individual damage to the wheels. Of course, the insurance company is still liable for compensation for other parts of the vehicle caused by collisions, rollovers, and other accidents caused by a flat tire.

7.No compensation for damage caused by cargo on the car: If the car is injured by cargo loaded inside or on the roof of the car, the insurance company is not responsible for compensation.

8.No compensation for direct repair of the car without damage assessment: If the car is in danger elsewhere in Danhe, it is necessary to assess the damage before repairing the car, otherwise the insurance company will refuse to compensate because it cannot determine the amount of loss.

9.Let the troublemaker who is solely responsible run away and do not compensate: when it collides with other vehicles, the blame lies with the other party. If the right to recover from a third party is waived, the right to claim compensation from the insurance company is also waived.

10.If the car is not lost, the tire is not lost: if the whole car is not stolen, but only the tires, audio equipment and other parts are stolen, the insurance company is not responsible for compensation.

11.If you drag a car to a crash without insurance, you won't be compensated: If you're driving a car on the road without third-party liability insurance and you're fully responsible, the insurance company won't pay.

12.Don't pay for hurting your own family: the first and second refers to the insurer and the insured (the driver is considered the insured).

In addition to these people, they are treated as third parties. In the terms of the insurance, family members of the insured or driver are excluded from the category of "third parties". If a person's family is hit, the insurance company will be exempt from liability.

Similarly, being hit by a vehicle with the same unit name cannot be compensated through third-party liability insurance.

13.No compensation if the lamp or mirror is damaged separately: This exclusion clause is in response to insurance fraud where some repair shops fraudulently collect compensation by placing previously replaced damaged lights on other cars of the same model.

14.Self-installed equipment is not compensated: stereo, radio, refrigerator, rear fin, luggage rack, etc. Installed by the owner himself. If there is no separate insurance for this, the insurance company will not compensate for the damage caused by the collision.

Millions of car purchase subsidies.