Car damage insurance is an insurance that everyone must buy. Now there are more and more vehicles. Buying an insurance is also buying a safe one. It is also saving money for yourself. Now there are traffic accidents every year, so it is necessary to give an insurance to your car. What are the detailed rules of sunshine auto insurance? Let's take you to know
General:
Article 1 the motor vehicle loss insurance contract (hereinafter referred to as the insurance contract) consists of insurance terms, application forms, insurance policies, endorsements and special agreements. All agreements related to this insurance contract shall be in writing.
Article 2 motor vehicles in this insurance contract refer to passenger cars, trucks of less than 2 tons or low-speed trucks owned by families or individuals running within the territory of the people's Republic of China (excluding Hong Kong, Macao and Taiwan) and used for non-commercial transportation.
Article 3 this insurance contract is an indefinite value insurance contract. The insurer shall bear the insurance liability according to the insured category. Additional risks cannot be covered separately.
Exemption from liability
Article 6 the insurer shall not be liable for the loss of the insured motor vehicle for any reason under the following circumstances:
（1） Earthquake and its secondary disasters;
（2） War, military conflict, terrorist activities, riot, seizure, seizure, confiscation and government expropriation;
（3） Competition and testing, during repair and maintenance at commercial maintenance and maintenance sites;
（4） Using the insured motor vehicle to engage in illegal activities;
（5） The driver uses the insured motor vehicle after drinking, taking or injecting drugs, or being anesthetized by drugs;
（6） After the accident, the insured or his permitted driver drives the insured motor vehicle or abandons the insured motor vehicle to escape from the scene of the accident without taking measures according to law, or deliberately destroys, forges the scene and destroys evidence;
（7） The driver is under any of the following circumstances:
1. No driver's license or the validity of the driver's license has expired;
2. The insured motor vehicle driving is inconsistent with the permitted driving model specified in the driving license;
3. Holding a driver's license that has not been verified as required, and driving an insured motor vehicle during the period of suspension, detention, revocation or cancellation of the driver's license;
4. It is not allowed to drive the insured motor vehicle under other circumstances in accordance with laws and regulations or relevant provisions of the traffic management department of the public security organ.
（8） The driver who is not allowed by the insured to use the insured motor vehicle;
（9） When the insured motor vehicle is transferred to others, the insured and the transferee fail to perform the notification obligation specified in Article 33 of the insurance contract, and the insured accident occurs due to the significant increase in the risk degree of the insured motor vehicle due to the transfer;
（10） Unless otherwise agreed, at the time of the insured accident, the insured motor vehicle did not have a driving license or number plate issued by the traffic management department of the public security organ, or failed to be inspected as required or failed to pass the inspection.
Article 7 the insurer shall not be liable for the following losses and expenses of the insured motor vehicle:
（1） Natural wear, corrosion, corrosion and failure;
（2） The glass is broken separately and the wheel is damaged separately;
（3） Body scratches without obvious collision marks;
（4） Loss caused by manual direct oil supply and high temperature baking;
（5） Losses caused by spontaneous combustion and unexplained fire;
（6） After suffering losses within the scope of insurance liability, continue to use the insured motor vehicle without necessary repair, resulting in the expansion of the loss;
（7） Losses caused by pollution (including radioactive pollution);
（8） Losses caused by depreciation caused by changes in market price and reduction of value after repair;
（9） Loss of new equipment other than standard configuration;
（10） Engine damage caused by water ingress into the engine;
（11） Losses caused by falling, collapse, impact and leakage of goods carried by the insured motor vehicle;
（12） Being stolen, robbed, robbed, damaged due to theft, robbed, robbed or lost parts and accessories on the vehicle;
（13） Losses caused by intentional acts of the insured or the driver;
（14） Motor vehicle traffic accident & lt; http://www.bestunion.cn/c/2016-02/6196.html> ; The amount of compulsory liability insurance compensation.
Article 8 on the basis of calculating the compensation in accordance with the provisions of this insurance contract, the insurer shall deduct the compensation according to the following deductible rates:
（1） The deductible rate for minor accident liability is 5%, the deductible rate for equivalent accident liability is 8%, the deductible rate for major accident liability is 10%, and the deductible rate for all accident liability or unilateral accident is 15%;
（2） If the loss of the insured motor vehicle shall be compensated by a third party, and the third party cannot be found, the exemption rate is 30%;
（3） If the insured chooses to handle the traffic accident through negotiation according to relevant laws and regulations, and the cause of the accident cannot be proved, the deductible rate is 20%;
（4） If the insured motor vehicle is used by a designated driver at the time of insurance, and the insured motor vehicle is used by a non designated driver at the time of insurance accident, the exemption rate shall be increased by 10%;
（5） If the insured accident occurs outside the agreed driving area, the deductible rate shall be increased by 10%.
Article 9 other losses and expenses that are not within the scope of insurance liability.