First, drink and drive. The insurance company will refuse to pay for the accident caused by drunk driving. 2. Overloading unlicensed vehicles is dangerous. For overloaded vehicles or unlicensed vehicles, the insurance company will shut them out. Third, vehicles that have not been inspected annually are in danger. According to the contract, the insurance only takes effect for qualified vehicles, and vehicles that have not been inspected annually are regarded as unqualified vehicles. In this case, consumers can't get corresponding compensation even if they are insured. This driver didn't receive the annual inspection. According to the provisions of the clause, if the vehicle driven by the driver fails to pass the annual inspection, the insurance company may refuse to claim compensation according to the insurance contract. 5. Lose the car or scratch it in the toll parking lot. Even if it's all-insurance, you won't lose your car in the pay parking lot. Therefore, the insurance company doesn't care whether the car is lost or scraped. Once the above-mentioned events happen, the correct way for consumers is to find a parking lot to claim compensation. Six, the other party is fully responsible for you not to recover. Once you are out of danger, the responsibility lies with the other party. You must first find the other party to settle the claim, and then find the insurance company to compensate if it fails. Seven, did not report the case in time or repair the vehicle without authorization. After the accident within the scope of insurance liability, the insured shall immediately report to the public security department and report to the insurance company within 48 hours. If there is no nuclear damage in vehicle maintenance, the insurance company will also refuse to pay compensation.
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