Many car owners will think that after buying a car full risk, even if the car out of something does not have to worry about, the insurance company will pay the full amount. If you have such an idea it is wrong. Under certain circumstances, even if you buy a full risk, you must take responsibility for yourself. Everyone will sign a contract when they buy auto insurance. Among them, the auto insurance exemption clause is not estimated by many people. Therefore, after the auto insurance is bought, it is necessary to read the contract carefully and understand more about understanding the compensation items of the contract. With regard to the content of the auto insurance deductible clause: the liability exemption clause for auto insurance claims, the insurance company may not bear the corresponding insurance claims liability when the items specified in the clause are met. What kind of situation does the auto insurance company not pay? First, some insurmountable and objective situations such as earthquakes cannot be compensated. There are many special circumstances, such as typhoon, earthquake, flood, hail, riots, seizure, confiscated, government expropriation, etc. These are all force majeure factors. When these conditions occur, insurance companies will not pay claims. They have already excluded these conditions from their insurance liabilities. Second, if it is an illegal act, no compensation can be obtained. If there is a traffic accident in a driving vehicle and there is an illegal act, then auto insurance will not receive compensation. For example, drunk driving accidents, drug driving, accidents and escapes, and the use of insurance vehicles to do bad things are illegal, and it is impossible to obtain compensation. If there is any problem with the card or card, no compensation can be obtained. There are no annual inspections of driving licenses, driving licenses or driver's licenses. In these circumstances, the driver does not have the qualifications for driving on the road and is in serious violation of the traffic law. Therefore, there will be no compensation if something goes wrong. In addition, the insurance company will refuse to pay if the driver is inconsistent with the quasi-drive type and the high-speed internship period. Fourth, there is no annual review of the car, can not get compensation. The so-called annual review means that vehicles must be inspected every year by the vehicle management office. Only the vehicle that passes the annual inspection will be responsible for the insurance company. If your car test fails, then the insurance company will not be able to claim compensation. Therefore, every year should be checked in accordance with the provisions of the time last year, or have to spend money on their own problems. Editor's Note: Xiao Bian is here to remind you that you have already bought a car or are about to buy a car owner. After the car insurance is done, you must first understand what kind of situation the car insurance does not compensate or lose, so that you can prepare for driving later. Of course, Xiao Bian also hopes that the owners will never get things done during the driving process. This is better.
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