If the qualified driver allowed by the insured has an accident in the process of using the insured vehicle, causing personal injury or direct property loss to a third party, the insurer shall compensate the insured according to the provisions of the insurance contract. However, the insured shall be responsible for the aftermath of the accident.
exonerate
Article 3 The insurer shall not be liable for the following losses of the insured vehicle:
(a) natural wear and tear, corrosion, failure, tire burst;
(two) losses caused by earthquake, direct oil supply, spontaneous combustion and high temperature baking;
(three) the loss caused by the impact of the goods carried in this car;
(four) the two-wheeled moped overturned or lost during parking;
(five) after suffering losses within the scope of insurance liability, continue to use it without necessary repairs, resulting in increased losses.
Article 4 The insurer shall not be liable for the following casualties and property losses caused by an insured vehicle, regardless of whether the insured is legally liable for compensation:
(1) Property owned or entrusted by the insured;
(2) The insured and their family members of vehicles contracted by private individuals and their own or escrow property;
(3) All personnel and property on the vehicle;
(four) personal injury and property loss caused by the drop and leakage of the goods carried by the vehicle.
Article 5 The insurer shall not be liable for the loss of the insured vehicle or the economic compensation liability of a third party due to the following reasons:
(1) War, military conflict, riot, seizure and confiscation;
(2) Competition, inspection and ex-factory repair;
(3) The driver drinks alcohol, takes drugs, is drugged and has no valid driver's license;
(4) Losses caused by an insured vehicle towing an uninsured vehicle and other towing objects or an uninsured vehicle towing an insured vehicle;
(five) after the accident and escape of the insurance vehicle is detected by the public security department;
(6) Failing to fulfill the obligation to pay the insurance premium according to the written agreement before the occurrence of the insurance accident;
(7) The whole insured vehicle is stolen, robbed or robbed, during which damage or spare parts are lost, as well as casualties or property losses of a third party.
Article 6 The insurer shall not be liable for the following losses and expenses:
(1) The accident of the insured vehicle causes the insured or a third party to stop business, stop driving, cut off electricity, water, gas, production and communication, and other indirect losses;
(2) Intentional behavior of the insured or its driver; (3) Any compensation for mental damage caused by the insured accident;
(4) Losses directly or indirectly caused by Y2K problem;
(5) Other losses and expenses not covered by insurance.
Insurance amount and compensation limit
Article 7 The insured value of a vehicle shall be determined according to the purchase price of a new vehicle. The insured amount of vehicle loss insurance can be determined according to the insured value or actual value at the time of insurance, or can be determined by the insured and the insurer through consultation, but the insured amount shall not exceed the insured value, and the excess shall be invalid.
Article 8 The maximum compensation limit of third party liability insurance for each accident is divided into five compensation grades: 50,000 yuan, 6,543.8+0,000 yuan, 200,000 yuan, 500,000 yuan and 6,543.8+0,000 yuan, and the insured can choose to take out insurance voluntarily.
Article 9 During the validity period of an insurance contract, if the insured requests to adjust the insured amount or compensation limit, he shall apply to the insurer for correction in writing.
Compensatory therapy
Article 10 When making a claim, the insured shall provide the insurer with the insurance policy, accident certificate, accident liability confirmation, accident mediation, judgment, loss list and relevant expense documents.
Article 11 If an insured vehicle is damaged due to an insured accident or causes property losses to a third party, it shall be repaired as far as possible. Before the repair, the insured must check with the insurer to determine the repair items, methods and expenses, otherwise, the insurer has the right to re-approve or refuse compensation.
Twelfth vehicle loss insurance compensation according to the following provisions:
(1) Total loss
Compensation shall be calculated according to the insured amount, but if the insured amount is higher than the actual value, compensation shall be calculated according to the actual value at the time of the accident.
(2) Partial loss
If the insured amount is determined by the insured value, the compensation shall be calculated according to the actual repair cost; If the insured amount is lower than the insured value, the repair cost shall be calculated according to the ratio of the insured amount to the insured value.
The compensation for the loss of the insured vehicle shall not exceed the insured amount. If the calculation basis of the total loss or partial loss of the insured vehicle (including the deductible) is equal to the insured amount, the insurance liability of the vehicle loss insurance will be terminated.
Article 13 In the event of a third-party liability accident of the insured vehicle, according to the Measures for Handling Road Traffic Accidents (People's Republic of China (PRC) * * * and the State Council No.89 of September 22, 0), relevant laws and regulations and the provisions of the insurance contract, the amount of compensation shall be approved within the compensation limit specified in the insurance policy. The insurer has the right to review or reject the amount of compensation promised or paid by the insured.
Absolute compensation.
Article 14 After making compensation for an accident caused by a third party, the insurer shall no longer be responsible for the increase in compensation expenses of the injured third party.
Article 15 After the third party liability accident is compensated, the insurance liability shall remain valid until the insurance expires.
Article 16 The remaining part of the insured vehicle or the property of a third party after loss shall be owned by the insured through consultation and deducted from the indemnity.
Article 17 According to the liability of the driver of the insured vehicle in the accident, the vehicle loss insurance and the third party liability insurance are free of odds within the amount stipulated in the compensation: 20% of the total liability, 15% of the main liability, 10% of the equal liability and 5% of the secondary liability. The absolute deductible for a unilateral accident is 20%.
Article 18 After the necessary documents provided by the insured are complete, the insurer shall timely examine and approve them. After both parties to the insurance contract confirm the compensation amount, the insurer will settle the claim within 10 days.