What is the exclusion of liability for car insurance?

It is the liability exclusion listed in the terms of the car insurance, which is available for each type of insurance.

If you need to, you can contact your insurance company, which should be attached to the insurance policy.

1. In the provisions of the law and the terms of the contract. Liability exemption means that the insurance company is not liable for losses caused by certain special risks, and clearly states which risk accidents cause property damage or personal ** that are not related to the liability of the payer. To put it simply, the insurance company will not compensate for losses caused by force majeure, losses caused by the fault of the insured, and losses outside the scope of the insurance clause stated in advance, even if the insurance is within the validity period of the insurance.

2. There are some reasons for exemption from liability. In order to avoid misunderstanding, it is specifically stipulated in the policy that it does not belong to the scope of liability, mainly including illegal acts, force majeure such as wars and natural disasters, high-risk sports, congenital, genetic and mental diseases, etc.

3. Within the risk that the insurer is willing to bear. Through the agreement of liability exemption clause, some uncontrollable risks can be excluded, and the scope of insurance liability can be limited again

According to Article 18 of the Insurance Law of the People's Republic of China, "if the insurance contract stipulates a clause on the exemption of the insurer's liability, the insurer shall clearly explain to the policyholder when concluding the insurance contract.

Exemption from liability, also known as exclusion liability, means that according to the law or the contract, the insurer is not liable to compensate for the loss caused by certain risks.

The exemption of insurance liability, also known as exclusion liability, refers to the scope of the insurance contract stipulating that the insurance company is not responsible for paying the insurance liability, which is simply understood as the content that the insurance company does not insure.

Most of the insurance liability exemptions are by enumeration, that is, the scope of the insurance company's liability is clearly listed in the insurance clause. There is usually an "exemption from liability" clause in the insurance contract, such as the insurance company will not bear the corresponding liability for the insured accident caused by war, drunk driving, drug abuse, intentional crime, etc.

However, the terms of each insurance contract may be different for the exclusion of liability, and everyone should refer to the terms of the contract.

If you want to know more, you can move to this article: What is the exclusion clause of insurance, and how to look at it? If you don't understand, you'll suffer a big loss!

Generally speaking, when the insured is out of insurance, the insurance company will first look at whether it is within the scope of insurance liability, if it meets the insurance liability, it will also see whether it involves the content of liability exemption, if there is a trigger for liability exemption, then the insurance company does not need to make a claim, and if there is no trigger liability exemption, and other conditions are met, then the insurance company will make a claim in accordance with the contract.

The meaning of insurance liability exemption refers to the scope or type of risk that the insurance company does not bear the liability for insurance compensation or payment in accordance with the law or in accordance with the insurance contract.

Insurance liability exemption is actually the opposite of insurance liability, also known as exclusion liability, which is generally in the form of enumeration, that is, the insurance company is not responsible for the scope of claims in the insurance clause. Liability exemption is the scope of the insurance contract stipulating that the insurer is not liable to pay insurance. Most of the exemptions from liability are by way of enumeration, that is, the scope of the insurer's liability is clearly listed in the insurance clause.

The exclusion of liability was originally covered by insurance liability but is now excluded from it. There are many events included in the general insurance liability, and it is difficult to list them all, so the insurance liability should be stipulated first, most of the events are insurance liability, and only a small part of the events do not belong to the insurance liability, and then the small part of the events that do not belong to the insurance liability are exempted from liability and eliminated from them.

There will be a paragraph in the insurance contract called Liability Exclusion, which clearly tells the policyholder that the policy will not be paid. However, in the contract, there is usually a certain exemption from liability for other contents, which is difficult to find if you don't look carefully. The following are the exclusions of liability for each type of insurance:

1. Critical illness insurance.

The product liability exclusion of various critical illness insurance is basically similar, such as intentional acts, illegal crimes, drunk driving, etc.

2. Medical insurance.

Intentional acts, illegal crimes, drunk driving, and rectification of the beauty of the Imperial Forest, genetic diseases, congenital diseases, etc. are not reimbursable.

3. Accident insurance.

Heat stroke, altitude sickness, drug allergies, physical poisoning, sudden death, etc. are not accidents and cannot be covered by accident insurance.

4. Life insurance. Intentional acts, illegal and criminal acts are all within the scope of liability exemption of life insurance.

The exemption of liability in insurance refers to the limitation of liability by the insurance company, which means that the insurance company is not responsible for compensation if the insured is not within the terms of the contract.

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