Will the insurance company pay for a DUI?

The insurance company will not be liable for the property of the victim if the driver is drunk, but will not be exempted from the responsibility for the loss of the victim's personal injury or death. The Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability stipulate that the insurance company shall first pay the rescue expenses within the liability limit of compulsory insurance for motor vehicle traffic accident liability and shall have the right to recover the compensation from the victim:

(a) the driver is unqualified to drive or is drunk;

(b) the insured motor vehicle has been stolen and robbed during the accident;

(c) the insured motor vehicle is intoxicated; and p>(iii) the insured intentionally creating a road traffic accident. One of the circumstances listed in the preceding paragraph, resulting in property damage to the victim, the insurance company shall not be liable for compensation.

First, the addition of equipment

After buying a car, many car owners will add their own stereo, refrigerator, tailgate, luggage rack and other equipment. But once a crash causes damage, the insurance company will not compensate for these newly added equipment. Some insurance companies will accept car owners to insure the "new equipment loss insurance", if the car is modified to leave hidden safety hazards, and did not notify the insurance company in advance, the same can not be compensated for the accident.

Second, hit and injured relatives and friends

A citizen driving the unfortunate will be his brother hit and injured, medical treatment cost more than 10,000 yuan. Mr. Wang's car insured third-party insurance, then find the insurance company to claim compensation. The insurance company said not to pay, the reason is that the hit is their own family. The so-called "third party" in the insurance excludes the following four kinds of people: the insurer, the insured, the driver of the car at the time of the accident and his family members, the insured's family members.

Third, the lack of annual inspection, drunk driving, driving without a license

In these cases, the driver does not have the qualification to drive on the road. In addition, if the driver does not match the permitted driving type and other circumstances, the insurance company will also refuse to pay. In particular, you should be careful not to drink and drive, or lend your car to a relative or friend who doesn't have a driver's license.

Fourth, the engine into the water after the wrong operation

Insurance companies believe that the vehicle driving to the depths of the water, the engine stalled, if the driver and forced to fire damage caused by improper operation, is not within the scope of compensation. Car parked in the garage in case of flooding, do not force ignition start, should immediately notify the insurance company, otherwise even if the engine is damaged, the insurance company will not compensate.