These eleven cases in the car insurance insurance companies do not pay claims:
One, hit the relatives to casualties do not pay claims.
In the insurance terms, the insured or the driver's family members are excluded from the category of "third party". Therefore, if the vehicle hit the family, the insurance company is considered to be exempt. Similarly, a collision with a vehicle belonging to the same organization cannot be compensated by third-party liability insurance.
Second, the new car is not licensed, no temporary license plate during the accident damage, not to compensate.
The exclusion clauses of the four types of basic automobile insurance clearly stipulate that, unless otherwise agreed, the insurance company will not compensate for any insurance accidents without a legally valid license plate, number plate, or temporary number plate or temporary movement certificate issued by the traffic management department of the public security organs.
Third, the vehicle did not pass the annual inspection within the specified time or failed to pass the annual inspection of the damage caused by the accident, no compensation.
According to the insurance contract, the insurance is only effective for qualified vehicles, for the vehicle without annual inspection can only be regarded as unqualified vehicles. In this case, even if the owner of the car on the insurance is useless, including car damage insurance, third party insurance, etc., including all the compensation will be borne by the consumers themselves.
Four, vehicle repair during the accident caused by the damage, no claims.
The insurance company will not compensate for the damage caused during the inspection, repair and maintenance of the vehicle. The reason is that the insurance company believes that the repair center has the responsibility of caring for the vehicle, vehicle theft or damage is the fault of the repair center.
Fifth, the loss of the car in the paid parking lot, no claims.
Insurance company regulations: all vehicles stolen in the parking lot, the insurance company is not responsible for compensation. Because of the above places on the vehicle has the responsibility of custody: in the custody of the period, due to the custodian of the vehicle damage caused by poor custody, loss, the custodian shall be liable. Therefore, the owner must pay attention to the parking fee receipts and other evidence.
Sixth, the insured actively give up the right of recovery, no compensation
Vehicle damage insurance, one of the exclusion clauses, due to third-party damage to the insured vehicle caused by insurance accidents, insurance accidents, in the insurer has not compensated for the insurance premiums before the insured to give up the right of the party responsible for the request for compensation, the insurer does not bear the responsibility for compensation.
VII. Loss of or damage to the driver's license and damage caused by driving during the replacement period will not be compensated.
The exclusion clauses of the four types of basic insurance all state that the loss of the driver's license, damage, more than the expiration date or be detained according to the law, temporary detention period or points up to 12 points, and still driving a motor vehicle caused by the loss of the accident, will not be compensated.
Eight, the incident more than 48 hours did not inform the insurance company, there is a possibility of not paying.
Why is it "possible not to pay"? The reason is that the Insurance Law provides that the insured must notify the insurer within 48 hours after the occurrence of an insurance accident, otherwise the loss can not be determined or expanded part of the insurer does not bear the responsibility for compensation. Therefore, an accident, immediately notify the insurance company, the real insurance.
Nine, the insurance premiums paid before the insurance accident, no claims.
Basic insurance general terms and conditions of the eighth written, in addition to the insurance contract otherwise agreed, the policyholder should be in the establishment of the insurance contract to pay the premiums at once. The insurer shall not be liable for any insurance accident that occurs before the premium is paid in full.
Ten, the vehicle's additional equipment damage, no claims.
In the vehicle damage insurance and total car theft insurance exclusion clause, the new vehicle factory configuration of the new equipment outside the loss, the insurance company does not pay.
That is to say, the insurance company claims is the original car, their own pretend accessories in the accident has a loss, the insurance company is not compensated.
Eleven, not the whole car lost, no claims.
Motor vehicle damage insurance provisions clearly stipulate that the theft, robbery, snatching, and because of the theft, robbery, snatching damaged or car parts, ancillary equipment lost, the insurance company is not responsible for compensation. In the motor vehicle additional theft insurance terms also provides, not the whole car was stolen, only the car parts or ancillary equipment was stolen or damaged, the insurance company is not responsible for compensation.
Baidu Encyclopedia - Automobile Insurance Claims