1, drunk driving, driving without a license, driving license and driver's license are not paid for the annual inspection: in these cases, drivers are not qualified to drive on the road, which seriously violates traffic regulations. In addition, if the driver does not conform to the quasi-driving model and the internship period is high, the insurance company will also refuse to pay compensation.
2. No compensation for earthquake: According to the usual practice, most property insurance companies do not cover earthquake liability. Due to the lack of data and experience, the insurance regulatory authorities do not encourage insurance companies to underwrite.
3. No compensation for mental loss: most insurance clauses will have similar provisions. Any related mental compensation caused by the insured accident shall be regarded as exemption.
4. No compensation will be paid for the loss during the repair: the repair shop is responsible for keeping and repairing the vehicle properly. Therefore, in case of collision, theft and other losses during maintenance, the insurance company will refuse to pay compensation.
5. Engine damage caused by engine water is not compensated: the insurance company thinks it is the loss caused by improper operation. When the vehicle travels to the water depth, the driver forcibly ignites after the engine is turned off. This clause surfaced after last summer's rainstorm.
6. No compensation for puncture: other parts of the vehicle are not damaged, but only if the wheels are damaged separately. Of course, the insurance company is still responsible for the loss of other parts of the vehicle caused by accidents such as collision and rollover caused by a flat tire.
7. No compensation for the damage of the vehicle by the articles in the vehicle: the insurance company is not responsible for the compensation for the damage of the vehicle by the articles loaded in the vehicle or on the roof.
8. If the vehicle is in danger in other places, it must be repaired first, otherwise the insurance company will refuse to pay compensation because it cannot determine the amount of loss.
9. Let the person who is fully responsible get away without compensation: in case of collision with other vehicles, the responsibility lies with the other party. Giving up the right to claim compensation from a third party means giving up the right to claim compensation from an insurance company.
10, the car is not lost, and the tire is lost. If the whole car is not stolen, only tires, audio equipment and other parts are stolen, the insurance company is not responsible for compensation.
1 1, towing an uninsured car without compensation: If towing an uninsured car on the road collides with other cars and takes full responsibility, the insurance company will not pay any compensation.
12. I don't pay if I hit my home: the so-called first and second refer to the insurer and the insured (the driver is regarded as the insured). Except these people, everyone is regarded as a third party. In the insurance clause, the family members of the insured or the driver are excluded from the category of "third party". If a family member is hit, the insurance company regards it as exemption. Similarly, if vehicles under the same company name collide, they can't get compensation from the third party liability insurance.
13. No compensation for broken lamps or rearview mirrors alone: this exemption clause is to deal with the insurance fraud of some repair shops to install previously replaced broken lamps on other cars of the same model to defraud compensation. (Ping An Insurance is applicable)
14. The equipment installed by the owner is not compensated: if the owner installs a stereo, radio, refrigerator, tail wing, luggage rack, etc. Without separate insurance, the insurance company will not compensate for the losses caused by the collision.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.