Chapter I Insurance Liability
Article 1 Vehicle loss insurance:
(1) The insurer shall be responsible for compensation for losses caused by the insured vehicle due to the following reasons:
1. Collision and capsizing;
2. Fire and explosion;
3. The collapse of foreign objects, falling objects in the air, and parallel falling during driving;
4. Lightning strike, storm, tornado, rainstorm, flood, tsunami, subsidence, ice subsidence, cliff collapse, avalanche, hail disaster, debris flow and landslide;
5. The ferry carrying the insured vehicle encounters natural disasters (only for those who are cared for by the driver on board).
(2) In the event of an insured accident, the insurer shall be responsible for compensation for the reasonable expenses incurred by the insured in taking rescue and protection measures for the insured vehicle. However, the amount of compensation for this expense is limited to the insured amount.
Article 2 Third-party liability insurance: If an accident happens to a qualified driver allowed by the insured in the process of using the insured vehicle, resulting in personal injury to a third party or direct loss of property, the insurer shall compensate the insured for the amount of compensation that should be paid according to law in accordance with the provisions of the insurance contract. However, the insured shall be responsible for the aftermath of the accident.
Chapter II Exemption from Liability
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 open flame 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, seizure and confiscation;
(2) Competition, inspection and ex-factory repair;
(three) drinking, taking drugs, narcotic drugs, without a valid driver's license;
(4) Losses caused by the insured vehicle towing the uninsured vehicle and other towing objects or uninsured vehicles towing the insured vehicle.
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 and its driver;
(3) 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 compensation limit of third party liability insurance for each accident is divided into five grades: 50,000, 65,438+10,000, 200,000, 500,000 and 1 10,000, and the insured can choose to take out the 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.
Chapter III Handling of Compensation
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) All losses shall be compensated according to the insured amount, but if the insured amount is higher than the actual value, the compensation shall be calculated according to the actual value at the time of the accident.
(two) part of the loss of the insured amount of the vehicle shall be determined according to the insured value, and 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 above-mentioned vehicle losses shall not exceed the insured amount. If the insured vehicle reaches the insured amount by total loss compensation or partial loss one-time compensation, the insurance liability of vehicle loss insurance shall be terminated.
Article 13 In the event of a third-party liability accident of an insured vehicle, the compensation amount shall be within the compensation limit specified in the insurance policy, and shall be _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
Article 14 After the third-party liability accident is compensated, the insurer is no longer responsible for the increase in the 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 After the loss of the remaining insured vehicle and the property of a third party, it shall belong to the insured through negotiation and be deducted from the compensation.
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 shall implement absolute deductibles within the amount that meets the compensation provisions:
Take full responsibility for 20%, take main responsibility for 15%,
Equal responsibility 10%, less responsibility 5%.
Article 18 After the necessary documents provided by the insured are complete, the insurer shall timely examine and approve them. After the compensation amount is confirmed by both parties to the insurance contract, the insurer will make a one-time claim within 10 days.
Article 19 If a third party is responsible for the losses within the insurance liability of the insured vehicle, the insured shall claim compensation from the third party. If the third party does not support it, the insured shall bring a lawsuit. After the insured brings a lawsuit, the insurer shall make compensation according to the written compensation request put forward by the insured, but the insured must transfer the right to recover from the third party to the insurer and assist the insurer to recover from the third party. If the insurer is unable to exercise the right of subrogation because the insured waives the right to claim compensation from the third party or is at fault, the insurer shall not be liable for compensation or deduct the insurance compensation accordingly.
Article 20 If the insured fails to submit all the necessary documents specified in Article 10 of this Article within 3 months from the date of repairing the insured vehicle or handling the traffic accident, or fails to receive the due compensation within 1 year from the date when the insurer notifies the insured in writing to receive the insurance money, it shall be deemed as an automatic waiver of rights and interests.
Chapter IV Obligations of the Insured
Article 21 When signing an insurance contract, the insured shall truthfully declare the situation of the insured vehicle and pay the insurance premium in one lump sum.
Article 22 The insured and its driver shall do a good job in the maintenance of the insured vehicle, and the loading of the insured vehicle must conform to the regulations and keep it in a technical state of safe driving. The insured and his driver should take corresponding measures in time according to the suggestions made by the insurer to eliminate unsafe factors and hidden dangers.
Article 23 During the validity of the insurance contract, if the insured vehicle is resold, transferred, given to others, changed in use or increased in danger, the insured shall notify the insurer in advance and apply for correction.
Article 24 The insured shall not illegally resell or transfer the insured vehicle; Do not use insurance vehicles to engage in illegal and criminal activities.
Article 25 After an insured vehicle has an insured accident, the insured shall take reasonable protection and rescue measures, and immediately report the case to the traffic management department where the accident occurred, and notify the insurer at the same time.
Article 26 The insured shall not conceal facts, forge documents, create false cases and other fraudulent acts when claiming compensation. Article 27 If the insured fails to perform the obligations stipulated in Articles 21 to 26 of this Article, the insurer has the right to refuse to pay compensation or terminate the insurance contract from the date of written notice; If compensation has been paid, the insurer has the right to recover the paid insurance compensation.
Chapter V Free Preferential Treatment
Article 28 The insured and his driver shall strictly abide by traffic laws and regulations. The insured vehicle has no indemnity during the insurance period of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ There is no indemnity for _ _ _ _ _ consecutive years, and the preferential amount is 65438+ 05% of the insurance premium paid in the previous year; There is no compensation for years and above, and the preferential amount is 20% of the premium paid in the previous year. Those who do not renew the insurance will not be given. If the insured insures more than one vehicle, the preferential treatment without indemnity shall be calculated separately according to the vehicle.
Chapter VI Other Matters
Twenty-ninth insurance vehicles must have a driving license and license plate issued by the traffic management department, and pass the inspection, otherwise this insurance policy is invalid.
Article 30 In case of a dispute between the insured and the insurer and no agreement can be reached, it can be handled according to the following item _ _ _ _ _:
(1) Apply to an arbitration institution for arbitration;
(2) bring a lawsuit to the people's court. Additional clauses and rates for motor vehicle insurance theft and emergency rescue If the insured vehicle is stolen, robbed or robbed as a whole and the insured suffers direct economic losses, the insurer shall compensate the insured according to the insured amount or the actual value of the vehicle at the time of the accident three months after the vehicle is stolen. The insurance rate of this type of insurance is 20% ~ 30% of the motor vehicle loss insurance rate.