Mo up to run a "third party" Beware of the nine closed Automobile Insurance - Insurance - Automotive repair and maintenance industry

The so-called first person, second person refers to the insurers, the insured ( Drive Members shall be deemed to be insured), other than to remove these people are regarded as a third party. In the insurance provisions, the insured person or the driver's family members out of the "third party" outside the scope. Therefore, if the vehicle hit their own side, the insurance company as exempt. Similarly, by the same unit name in vehicle collision also can not receive compensation for third party liability insurance.

Related Reading: Insurance company auto insurance coverage highlights three major disadvantages of different places New car insurance, insurance due to choose the right insurance company perfectionist

1. Lights Mirror alone is not damaged or lost Disclaimer

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which was designed to deal with some of the repair shop of Pianbao behavior. Often used before some of the repair shop for broken down or side mirror lights fitted to other car models to the same compensation fraud. On the other hand, because many owners of this exemption clause, even unintentional cut rub will not be compensated.

2. To take full responsibility for the perpetrators do not pay up running

If the owner of other vehicle collision, and the responsibility to each other, can not be bothered because of rush or other reasons to give up the right to seek compensation to each other. Once the owner gave up the right of recourse to a third party, also gave up the right to seek compensation insurance company.

3. Water depths of forced ignition lead to engine damage is not compensable

Vehicles to water depth, engine Extinction , The driver forced ignition engine damage caused by the insurance company will not pay compensation, because the loss was due to improper operation caused by the driver.

4. Vehicle repair damage caused during non- Pay

If a vehicle during any collision repair, theft and other losses, insurance companies are exclusions, because the repair shop has the responsibility to take good care of Service Vehicles.

5. Towing vehicle without insurance do not pay for accidents,

If towing a car because the owner did not cover third party liability insurance of vehicles on the road, collided with other vehicles and take full responsibility, the insurance company will not have to make any compensation.

6. Unauthorized installation of equipment that does not pay

After many owners will own a car stereo installation, radio, refrigerator, rear luggage rack, etc. or in case of accidents caused by the loss of unauthorized installation of equipment, insurance companies will not have compensation. Owners need to install their own equipment separately.

7. Was not lost on board crashed items

If the vehicle is loaded inside, or roof damage caused by impact items, the insurance company is not responsible for compensation.

8. Not directly repair damage after non-scheduled compensation

If a vehicle in the field of dangerous condition, the owner need to be hurt again Car repair Otherwise, the insurance company can not determine the amount of loss likely to refuse compensation.

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9. Stolen vehicle parts and components not lose

Components such as if the vehicle is Tire , Stereo equipment stolen, the owner can only fear the loss since.

Many owners from 4S shop Moment to mention give your car a new car on the so-called "all risks." "All Risks", literally meaning it is easy to think, "guarantee to pay compensations everything." In fact, the "all risks" clause, the insurance companies to attract customers, the invention of a fuzzy concept, usually only Jusun Xian, third party liability insurance, Daoqiang Xian, glass insurance, scratches insurance, car insurance and workers Excluding several insurance deductible.

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Mo up to run a "third party" Beware of the nine closed Automobile Insurance - Insurance - Automotive repair and maintenance industry