Before I fully understand the all-risk of commercial vehicles, I have always believed that as long as it is normal after all risks have been able to go to worry about, no matter how kind of situation will be met under the insurance company Claims. However, it turns out that I really want more. The all-risk insurance of a commercial vehicle contains a lot of insurance knowledge. The main two major parts of the motor vehicle insurance include only the third party liability insurance, the vehicle loss insurance, and several insurance types with glass insurance, vehicle liability insurance, and no-fault liability insurance. However, in some cases, even if you have insured some of the above major types of insurance and additional risks, business owners still have to pay for themselves, such as the following situations:
1. Regarding the problem of drunk driving, we have also said numerous times that the loss insurance company after drunk driving is not subject to compensation, and there are still no driving licenses, and the driver's license has not passed the annual inspection and is not within the scope of claims. If driving is not qualified for driving, it is also a violation of traffic laws and regulations. If the driver is still in the internship period and there is an unexpected situation at high speed, the same insurance company has the right to refuse compensation.
2. In addition to the motor vehicle insurance, in fact, most of the insurance provisions also have relevant regulations, and mental damages are not compensable. Therefore, some of the mental damages arising from traffic accidents are deemed to be exempted from liability.
3. When a commercial vehicle is sent to a vehicle repair shop for maintenance and custody, and during this period there is theft or collision, the same insurance company will also refuse to pay compensation.
4. If the commercial vehicle is driven to a place where the water is relatively deep, or if the accumulated water caused by the rain or the flood is flooded, and the commercial vehicle engine has been turned off, the driver will once again forcibly cause the damage. Maintenance company refused to pay.
5, if the commercial vehicle is just a unilateral tire damage insurance company will not claim compensation. If the tires of the vehicles have tire explosions, they cause traffic accidents such as roll-overs, causing some damage in other locations. Insurance companies deserve compensation.
6, the driver for their own vehicles without modification, if it is not their individual insurance, then some of the damage caused is also a refusal.
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