The rat has bitten the engine line of the trolley, can I apply for insurance?

This is certainly not in the insurance, this situation has to be repaired at your own expense, relatively speaking, repairing this kind of thing is also very simple, find the damaged place and reconnect it, it is best to weld so that the connection is stronger.

Although the relationship between the scope of insurance liability and the liability exemption clause in the insurance contract is not limited to the inclusive relationship, the accident is still within the scope of insurance liability is still the premise for the insurer to bear the insurance liability. If the accident for which the policyholder claims compensation is not specified in the insurance liability, there is no need to review the content and validity of the exemption clause.

On the 28th, the Insurance Association of China issued the "Motor Vehicle Insurance Internet of Vehicles.

Data Collection Specifications" and other 4 auto insurance-related standards, using standardized means to strengthen industry self-discipline, focusing on expanding the application of insurance technology and improving service quality.

According to the relevant person in charge of the Insurance Association of China, the accumulation and use of Internet of Vehicles data by insurance companies can comprehensively improve the refined management of auto insurance pricing, products, customer service and claims. Level.

If a rat bites the car line, the insurance company will generally refuse to pay, but it is not clearly stated that compensation is required.

According to the relevant provisions of the Contract Law, an insurance company, as a provider of an insurance contract, shall interpret the standard contract in a way that is unfavorable to the provider of the standard clauses.

When signing the contract, the insurance company shall clearly explain to the policyholder what is meant by "loss not within the scope of insurance liability", including the loss of the insured vehicle caused by animal bites, etc., otherwise the exemption clause will not be effective.

Even if the animal bite is part of the liability exemption part of the insurance clause, and the insurance company is notified in time after the incident, but the insurance company does not appear at the scene to assess the damage, the insurance company should determine the damage and compensate according to the actual cost of repairing the vehicle.

This is accident insurance! If you can't report this, what is the insurance coverage? Does insurance cover crashes?

Summary. The rat has bitten the engine line of the trolley, and you can apply for insurance. The legal and compliant way is that the claim can be settled normally.

In the latest enforcement clause, there is no agreement on the scope of claims that can be claimed, only the content of exemption, which means that as long as it is not exempted, it can be settled normally. Therefore, if the engine wiring harness is bitten by a mouse, under normal circumstances, the insurance can be claimed.

The rat has bitten the engine line of the trolley, can I apply for insurance?

The new car I bought was bitten off by a mouse, how to claim compensation from the merchant?

The rat has bitten the engine line of the car that is trapped and cracked, and you can report insurance. The legal and compliant way is that the claim can be settled normally. Hidden in the latest implementation clause, there is no agreement on the scope of claims, only the content of exemption, which means that as long as it is not an exemption situation, it can be settled normally.

Therefore, if the engine wiring harness is bitten by a mouse, under normal circumstances, the insurance can be claimed.

Article 30 of the Insurance Law of the People's Republic of China: "If there is a dispute between the insurer and the policyholder, the insured or the beneficiary of an insurance contract concluded using the form provided by the insurer, the terms of the contract shall be interpreted in accordance with the common understanding." If there are two interpretations of the terms of the contract, the people's court or arbitration institution shall make an interpretation in favor of the insured and the beneficiary.

When I bought it, I found that there was something wrong with the car, and I went to the 4S store to check it, and it was bitten off by a mouse. Then he told me to fix it, can I claim compensation from him?

Yes. I didn't know there was a problem with that car before I bought it, and I found out that there was a problem with that car after I bought it.

In this case, it is not the case of the party's own damage, and it can be reported for insurance.

So how do you get insurance if you apply for insurance?

You go directly to the salesman who bought the car, and they have the company that insures you at that time.

The 4S shop that sells cars should also be responsible, because you are selling a faulty car.

When you buy a new car, the insurance goes hand in hand.

Is it not possible to find the person who sells the car to be responsible? Do I have to find an insurance company to pay for compensation?

Looking for a person who sells a car is not to take insurance, it is a quality problem when the vehicle is purchased and guessed, you can also find him to reflect the quality of the vehicle, and then it will be repaired for you.

If the rat bites it, the car line insurance company will generally refuse to pay. However, it is not clearly stated that compensation is required.

In accordance with the relevant provisions of the Contract Law. The insurance company acts as the provider of the insurance contract. When the standard contract is then interpreted.

should be interpreted against the standard clauses and providers. The insurance company at the time of entering into the contract is not covered by the insurance for what is not covered by the insurance. Including the loss of the insured vehicle due to animal bites, etc.

This should be clearly stated to the policyholder. Otherwise, this disclaimer shall not be effective.

Even if an animal bites are excluded from liability in the terms of the insurance policy. The insurance company was promptly notified after the incident. However, the insurance company did not show up to assess the damage. Therefore, the insurance company should determine the damage based on the actual cost of repairing the vehicle and compensate for it.

Legal analysis: The insurance company will not compensate for the damage caused by the vehicle bitten by rats, and only the loss of the vehicle caused by the traffic accident is within the scope of the terms of the insurance contract, and the claim can be obtained.

Legal basis: Insurance Law of the People's Republic of China

Article 57 When an insured event occurs, the insured shall try its best to take necessary measures to prevent or reduce losses.

After the occurrence of an insured event, the insurer shall bear the necessary and reasonable expenses paid by the insured to prevent or reduce the loss of the insured object; The amount of expenses borne by the insurer shall be calculated separately from the amount of compensation for the loss of the subject matter of the insurance, and shall not exceed the amount of the amount of insurance in the insurance register.

Article 58 In the event of a partial loss of the flame and risk protection object, the insured may terminate the contract within 30 days from the date of compensation by the insurer; Unless otherwise agreed in the contract, the insurer may also terminate the contract, but shall notify the policyholder 15 days in advance.

If the contract is terminated, the insurer shall refund to the policyholder the part of the insurance that has not suffered any loss in accordance with the contract after deducting the part receivable from the date of commencement of the insurance liability to the date of termination of the contract.

Article 59 After the occurrence of an insured accident, if the insurer has paid the entire insured amount, and the insured amount is equal to the insured value, all the rights to the damaged insured object shall belong to the insurer; If the insured amount is lower than the insured value, the insurer shall obtain part of the rights of the damaged insurance subject matter in accordance with the ratio of the insured amount to the insured value.

If the engine line is repaired, the repair depends on the degree of damage, and the number is small, and it can be welded. If the line is damaged too much, welding is not recommended, and too many joints are easy to cause the line to heat up and burn. Only the entire line can be replaced.

It only costs two or three hundred yuan to call friends, and at least 5,000 yuan to change the line.

To prevent rats from biting the line, first of all, we should keep the environment clean and tidy, and avoid melon seed shells, peels, etc.; When parking, choose a good environment and sanitation of the ground scattered infiltration dry side; Close the doors, windows, trunk, etc. of the vehicle.

In view of the situation that the car line is bitten off by a mouse, can the insurance company compensate for the maintenance costs, and how does the insurance company solve it? Previously, the reporter consulted a number of well-known insurance companies in a row, and the results showed that most of them showed that there was no claim in this kind of situation, and only a small number indicated that it depended on the situation, and none of them were clearly able to make a claim.

A car insurer.

Practitioners told reporters that many riders are buying commercial insurance.

But "all-risk" does not mean "all-in-one", and many companies are not included in the scope of claims for damage caused by animals such as rat bites. "Some car buyers think that this type of damage should be included, but in fact car damage insurance.

No such situation has been established. He told reporters that under normal circumstances, the scope of claims for car damage insurance includes impact, collapse, fire accident, occurrence of **, collapse of external objects, falling of items in the air, falling parallel planes of commercial insurance cars, goods described in commercial insurance cars, and accidental collisions of car staff. Only all or part of the damage to the commercial insurance car caused by this factor can be covered by the insurance company.

Naturally, if such a situation occurs, the insured may immediately notify the insurance company and ask the staff to go to the vehicle to assess the damage. In some cases, there are some damage insurance companies that have to pay. The relevant staff member said.

No legal effect. So, if a rat bites the car, should the insurance company pay the claim? The criminal defense lawyer of Sichuan Kequan Law Firm feels that it depends on how the insurance contract is concluded.

If the insurance company feels that such a situation falls within the scope of commercial insurance exemption, then it needs to make a statement to the insured at the beginning of the contract. By establishing the provisions expressed, they are bound by national law.

Since insurance companies do not pay for damage caused by animal bites, everyone should do their own work to prevent rats.

You can also find an insurance company to compensate for the cost of repairs. If this is the case, then you can get the corresponding payment.

The cost of the repair should go to the insurance company for compensation, as it is caused by some accident. Therefore, the insurance company should pay compensation.

It is not possible to find an insurance company for compensation, because of natural reasons, so at this time, you need to bear the corresponding costs.

Legal analysis: If a rat bites the car line, the insurance company will generally refuse to pay compensation and compensate according to the content of the contract.

Legal basis: Article 496 of the Civil Code of the People's Republic of China Standard clauses are clauses that are drafted in advance by the parties for the purpose of repeated use and are not negotiated with the other party when concluding the contract. Where standard clauses are used to conclude a contract, the party that provides the standard clauses shall follow the principle of fairness to determine the rights and obligations between the parties, and take reasonable measures to remind the other party to pay attention to the clauses that have a major interest in the other party, such as exempting or reducing its liability, and explain the clauses in accordance with the requirements of the other party.

If the party providing the standard clause fails to perform the obligation of reminder or explanation, resulting in the other party not paying attention to or understanding the clause in which it has a material interest, the other party may claim that the clause does not become the content of the contract.