If your car is already insured and an accident occurs after the car is modified, but the insurance company is not notified in time after the modification. Then, the insurance company can make a written notice of refusal of compensation in accordance with the provisions of the Insurance Law and the liability exemption of commercial insurance vehicle loss insurance.
The reason for refusal of compensation is that during the insurance period, the insured motor vehicle was modified or added , causing the insured motor vehicle to become more dangerous and failing to notify the insurer in writing in a timely manner. If an accident occurs, the insurance company will not be liable for compensation and the case will be cancelled.
But if your car is just equipped with some spare parts but the nature of use has not changed, then you can insure your car with a new equipment loss insurance,
p>For example, if an off-road vehicle is equipped with foot pedals or a front fender, you can promptly notify the insurance company to apply for this insurance. Just prepare a detailed invoice or receipt for the additional installation of your car (but it must be (issued by the assembly factory and stamped with a public cover). If an accident occurs, you can claim compensation,
But if your car is modified and the nature of the car has changed, then you must go to the vehicle management Make a notification and replace it with a legal and valid driving license. And notify the insurance company in writing in a timely manner. After the insurance company approves your request, it will charge additional insurance premiums and the claim can be made while the insurance contract continues to be in effect.
However, if after an accident, you tell the insurance company or the insurance company’s surveyor to verify that your car has been modified or added and the nature of use has changed without notifying the insurance, the insurance company will not pay the claim. However, we can refund you the remaining premium of the commercial insurance after it takes effect.
Extended information:
Traffic accident compensation items refer to the items included in the compensation given to the victims by the perpetrators of traffic accidents, mainly including medical expenses, lost work expenses, nursing expenses, Transportation expenses, accommodation expenses, food subsidy during hospitalization, nutrition expenses, appraisal fees, disability compensation, disability assistive device expenses, funeral expenses, dependents' living expenses, death compensation, and mental damage consolation funds.
Note: 1. If the victim becomes disabled or dies due to injury, in addition to the items in the column of "disabled due to injury" or "death of victim", the compensation obligor also needs to pay "general injury compensation". "Medical expenses and other related expenses in the column.
2. If the victim becomes disabled or dies due to injury, the holder of the right to compensation may apply to the People's Court for compensation for mental damage solatium; however, if a criminal incident is filed with civil matters, the right holder cannot request for mental damage solatium.
3. If the holder of the right to compensation provides evidence to prove that the per capita disposable income of urban residents or the per capita net income of rural residents in his place of residence or habitual residence is higher than the standard for the location of the court where the suit is filed, the disability compensation or death compensation may be Calculated according to the relevant standards of the place of residence or habitual residence.
4. If the specified nursing period, assistive device fee payment period or disability compensation payment period exceeds the determined period, and the compensation right holder files a lawsuit in the People's Court to request continued payment of nursing fees, assistive device fees or disability compensation, the People's Court shall The court should accept it.
If the person obligated to compensation really needs to continue nursing care or preparing assistive devices, or has no ability to work and no source of livelihood, the People's Court shall order the person obligated to compensate to continue paying relevant expenses for five to ten years.
5. This table applies to general personal injury compensation, and also applies to personal injury compensation in traffic accidents. The compensation for traffic accident damage must be determined according to the size of the liability. The specific determination is based on the following principles. :
Article 53 of the "Road Traffic Safety Law of the People's Republic of China": If a traffic accident occurs between a motor vehicle and a non-motor vehicle driver or pedestrian, resulting in personal casualties or property losses, The insurance company will compensate you within the limits of the compulsory motor vehicle traffic accident liability insurance.
If the owner or manager of the motor vehicle does not participate in the compulsory motor vehicle traffic accident liability insurance, the owner or manager of the motor vehicle shall bear the liability for compensation equivalent to the liability limit of the compulsory motor vehicle traffic accident liability insurance.
For the part exceeding the limit, the motor vehicle party shall bear the liability for compensation; but there is evidence that the non-motor vehicle driver or pedestrian violated the road traffic safety laws and regulations, and the motor vehicle driver has taken necessary disposal measures. , the motor vehicle party shall bear the liability for compensation in accordance with the following provisions:
(1) If the non-motor vehicle driver or pedestrian bears all the liability for the accident, the motor vehicle party shall bear no more than 10% of the liability for compensation;
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(2) If the non-motor vehicle driver or pedestrian is primarily responsible for the accident, the motor vehicle party shall bear 40% of the compensation liability;
(3) The non-motor vehicle driver, pedestrian If the pedestrian is equally responsible for the accident, the motor vehicle party shall bear 60% of the liability for compensation;
(4) If the non-motor vehicle driver or pedestrian bears secondary liability for the accident, the motor vehicle party shall bear 100% of the liability. 80% of the liability for compensation;
(5) If the parking or temporary parking of a motor vehicle does not violate road traffic safety laws and regulations, and a road traffic accident occurs with a non-motor vehicle driver or pedestrian, the motor vehicle party No liability for compensation.
Reference: Baidu Encyclopedia-Traffic Accident Claims Project