Many car owners will have a misunderstanding

My car bought a full insurance

As long as there is a problem

Everything is claimed by the insurance company

But it's not actually like this

Insurance also has claims conditions

There are ten kinds of situations. Insurance companies are not compensated

Below, summarize with everyone

Ten kinds of common insurance companies do not pay claims

1 seabet appIntentional destroying the vehicle

Some situations are considered to be seabet appIntentional destroying the vehicle。For example, placing a lighter in the car、Mosice、Film and explosive items such as air fresh agents，The windshield glass was blown after the explosion。This situation cannot be compensated。

2 Not in the prescribed state

The vehicle does not have an annual inspection，Insurance companies are refusal when the accident occurs，Because it is not in a legal state。An accident when the car is placed in the repair shop，Insurance companies will not compensate，Because it is not in the state，At this time, you need to find a repairer compensation。

3 The other party is full of responsibility but does not compensate

When an accident occurs，The other party is full responsibility，If you abandon the pursuit of compensation from the other party，I also gave up compensation to the insurance company。

4 Water -related insurance secondary fire

The vehicle is as hot as the water -related insurance，The engine can be damaged after the wading pavement or the vehicle is flooded;，Then the insurance company will not compensate。

5 Do not report the case or postpone the report

Vehicles need to report the case within 48 hours of insurance，If you do not report the case or exceed 48 hours, the case，Insurance companies will not compensate for compensation。

6 Modified vehicles do not declare

Insurance contract indicates that vehicles transfer or increase the degree of risk of vehicle need to notify the insurance company，Increasing the risk of the vehicle is mainly to modify the vehicle。So，If the modified vehicle does not declare，An accident insurance company will not compensate。

7 New car was stolen

New cars that have not been on the card, if the stolen, the insurance company will not compensate.

8 I and my family are injured by the car

If you only go to the three insurances, you will not get on the car.，Insurance companies do not pay claims when the car staff is injured。

9 drunk driving

Drunk driving encounter an accident，Not only the insurance company does not pay the claim，Also get legal sanctions。

10 Driving without photos

An accident reported in the accident，Insurance companies do not pay claims。If you drive a big bus with the C book, you can not drive without driving。

In short, we should understand the claim policy of the insurance company in advance

Avoid it when you really need to be out of danger