[交规法规] 汽车保险被拒绝理赔的原因！重要！必读！

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2-2-2013 15:53 上传

Lapse in Coverage（保险期限过期失效，check 或在日历上写下到期日并续保）

While it’s a simple matter to renew your car insurance without it expiring or lapsing, thousands of people forget to do it every year. Unfortunately, it can have a devastating backlash if you get in an accident with an expired car insurance policy. You’ll be liable to pay for all injuries associated with the accident including property damage to any vehicle involved. With direct deposit and automatic debits, this can be avoided, especially for those who are forgetful when it comes to renewing their policy.

Unlisted Driver（这一点不见得每家保险公司相同，至少我保过的两三家公司都需要强制注明驾驶人）

If someone else is driving your vehicle at the time of an accident and he or she are not included in your policy, your claim can sometimes be denied. Many times a child will borrow their parent’s car, even though they are not covered on the policy. Sometimes it’s a spouse, friend, or relative, but if they are not on the policy, they will be liable to pay out-of-pocket during an accident.

Denied for Further Investigation（这一点应该没有人会不配合）

Sometimes insurance companies will deny claims an order investigate the accident further and/or the claims associated. This could be because the insurance company believes either you or another party involved in the accident are committing insurance fraud. There are several reasons for insurance companies to look into fraudulent activity. Some parties will fake injuries and try to collect on lost wages when they were simply at home or hoping to take a paid vacation. There are even those who go as far as faking their own car being stolen to get money from insurance companies.

Damages Exceed the Amount of Coverage（请查明自己保单的自负额和上限赔偿金额）

There are also those cases where the combination of damages and injuries are so high they exceed the amount of coverage. If your liability coverage is only $25,000 and the combined injury related claims are $30,000, then the additional $5,000 in injuries will not be covered by the insurance company resulting in a partially denied claim.

Expired Drivers License（驾照过期，当然包括无驾照）

Taking a trip to your state’s Department of Motor Vehicles is a dreaded event. Long lines and sometimes the daunting task of filling out even more paperwork than you care to see in a year, let alone a day. However, if you drive with an expired license and end up causing an accident, your insurer may deny your claim even though you have great insurance. Check the fine print in your insurance policy. Most require that the driver have a current driver’s license.

Type of Coverage

Another reason for denial could be your type of coverage. Those who drive older vehicles or who don’t have a loan on their vehicle might only carry liability insurance with no collision coverage. If this is the case and liability is all you have, you will be denied coverage for damages done to your vehicle.

Inadequate Information

Many times the other party involved will claim not to have insurance or you don’t get adequate insurance information from them. In this case, you would file an Uninsured Motorist claim with your insurance company. They may deny the claim if they find out the other party is indeed insured.

You Forget to add your New Vehicle!

Many people will buy new vehicles and not put it on their insurance policy in the required timeframe given by each policy. If they get in an accident before adding the new vehicle, they’re out of luck and will be liable to pay out-of-pocket.

另外有两点很确定的是，违反交规（例如：超速，酒驾等）这个是不赔的，其次是车辆（事故后调查）未能通过 road worthy 检查（例如：轮胎胎纹不足）这个保险公司也会拒绝赔偿。

请大家注意了！