After buying a car, 1 this thing must be for many car owners to buy insurance. After all, after buying insurance, there will be insurance companies to cover the car accident. But in fact, if you think so, it is all wet! Because after these five situations happen, the insurance company can not pay a penny, so the owner must understand clearly.
First, the vehicle was scratched when it was parked in the toll parking lot. In this case, because we are parked in the toll parking lot, the toll parking lot has the obligation to keep the vehicle. At this point, in the event of an accident, it is reasonable for the insurance company to refuse to pay compensation.
The second is the loss caused by a vehicle accessory such as tire, rearview mirror and glass. You know, car damage insurance only means that the car is stolen or the whole car is stolen, and once you find that some parts of your car are lost, and you just didn't buy parts insurance, then the insurance company has reason not to pay.
Third, restart after wading. For many car owners, the first reaction after the car is flooded is to get on the bus and re-ignite. You know, at this time, the water outside the ignition engine will enter the engine, which will cause engine damage. A car engine damage is basically equivalent to scrapping, which is also caused by improper operation, and the insurance company will not pay for it.
Fourth, people are injured by driving. Some people drive violently, such as braking suddenly, which may lead to excessive inertia and head damage. At this time, the insurance company will not pay, because the glass and head are not insured separately.
Fifth, the property losses caused by traffic accidents. When we were dealing with traffic accidents, the insurance company refused to compensate for the economic losses caused by carelessness and not closing the door properly.
In fact, fundamentally speaking, insurance companies are also enterprises. If an enterprise wants to survive, it must take profit as its fundamental purpose. In this case, it is reasonable for the insurance company to refuse to pay compensation. Therefore, it is the best insurance to protect the safety of your own vehicle during driving.