Tire rim
Bear one's own losses
On weekends, Mr. Fu from Chang 'an District and his family went for a drive on the suburban expressway. When the family was enjoying the beautiful scenery in the suburbs happily, a loud noise startled everyone in the car. It turned out that the car suddenly had a flat tire. At the moment of puncture, the car lost control and Mr. Fu couldn't stop the car. The car hit a tree on the side of the road and stopped. Not only did it damage the front tire, but it also caused many scratches on the headlights and hood. Fortunately, people were not injured.
So, how should this accident insurance company pay for it? According to Mr. Wan, according to the provisions of motor vehicle loss insurance, if a traffic accident is caused by a flat tire and collides with other vehicles, resulting in the loss of other vehicles, the insurance company will make claims according to the accident liability identification of the car accident and the third party liability insurance involved in the car accident settlement. Insurance companies can also compensate for car damage other than tires caused by a flat tire hitting the roadside. However, the insurance company will not pay for the separate damage to the tire and rim caused by the puncture. Therefore, the loss of Mr. Fu's tires and rims should be borne by himself.
The tire was stolen.
The insurance company will not pay for it.
In the morning, Mr. Wang came down from the residential building with a briefcase in his hand and was ready to drive to work as usual. Who knows, I was dumbfounded as soon as I got downstairs. How did my car parked downstairs get a few bricks and four tires gone?
After such a thing happens, the police will generally inspect the scene and make a record, and afterwards the police will issue a certificate to the owner. The adjuster of the insurance company will also rush to the scene, but after seeing this situation, the adjuster will generally say to the owner: According to the insurance clause, a loss insurance company like you can't compensate. The owner will wonder: it is clear that the car damage insurance is also insured and the tire is lost. Why doesn't the insurance company pay for it?
According to Mr. Wan, the motor vehicle loss insurance clause clearly stipulates that the insurance company is not responsible for compensation for the loss caused by theft, robbery or robbery, or the loss of parts and accessories on the vehicle. It is also stipulated in the additional theft and rescue clauses for motor vehicles that if not all vehicles are stolen, only the parts or ancillary equipment on the vehicles are stolen or damaged, the insurance company will not be responsible for compensation. Therefore, judging from the provisions of these two clauses, tires belong to auto parts, and their individual losses can be refused by insurance companies.
skill
Don't inflate your tires too much in summer.
Tires are most prone to accidents in hot summer. How to avoid such a thing? Mr. Wan told reporters that some car owners have the habit of driving and like to pump up the tires, so that the car runs stronger and faster and saves fuel. However, in particularly hot weather, such a car is easy to have a flat tire when driving on the expressway, and the consequences are unimaginable. Although insurance companies can compensate for traffic accidents caused by car puncture or car damage other than tires caused by hitting the roadside. However, car owners will inevitably suffer some economic losses, and they will be in a bad mood because their cars are injured.
If the tire pressure is too high, the car will easily burst when it climbs over the steps or is hit, and the steel ring will be damaged accordingly. Therefore, remind car owners and friends not to over-inflate the tires in summer, so as to avoid tire pressure inflation caused by heated puncture; If the wheel tread is seriously worn, it is necessary to consider replacing the new car tire. Our reporter Wang Rongzhong
Selected cases
The driver's license expired and the insurance company refused to pay.
Shortly after Mr. Zhang insured his Audi car, the car had an accident. However, because the driver he hired had expired his driver's license at the time of the accident, the insurance company refused to pay. Mr. Zhang thought that he had insured the car and paid the premium, so he should pay compensation, but his claim was not supported by the court. The reporter was informed that the court found in the first instance that according to the contract terms of "the driver drives with an unverified driver's license, the insurer will not pay", the insurance company should not settle claims.
Mr. Zhang said that his Audi car was insured by an insurance company in Beijing for vehicle loss and paid the insurance premium. More than two months later, the driver he hired had a traffic accident, passengers were injured and two cars were damaged. According to the police, the driver he hired should bear 40% responsibility. Mr. Zhang asked the insurance company to compensate him for 40% of the repair cost of 6.5438+0.8 million yuan, that is, the property loss was 70,000 yuan.
The court held that according to the terms of the insurance contract, when Mr. Zhang's car had an accident, the driver's driver's license was not verified within the time limit, which was a situation in which the insurance contract agreed not to compensate.