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  • 這些情況保險公司可以不賠付 車輛保險那些事

    • 原創
    • 2019-04-12 16:11
    • 來源:電車資源 莫云信

    摘要:買了車輛商業險就OK?沒那么簡單!

    開車上路擦擦碰碰是難免的,若是發生了意外,車輛有商業險基本可以解決資金問題,不過購買了商業險就真的能安枕無憂了嗎?答案是否定的,下面編者就來說說,關于保險那些值得注意的事。

    買了商業險發生意外一切全賠?

    這些情況保險公司可以不賠付 車輛保險那些事

    商業險除了車輛損失險、第三者責任險、盜搶險、車上人員責任險外,還有一些附加的險種,如自燃損失險、玻璃單獨破碎險、新增設備損失險、車身油漆單獨損傷險、涉水損失險等等。

    這里有一個案例,一位車主購買了自燃損失險,而他的愛車在行駛時自燃,報了保險后卻沒有得到理賠,這是因為自燃的原因是車主自行改裝車輛,改裝的部分導致車內電線短路自燃,非車輛正常狀態下短路自燃,所以保險公司是不負責賠付的,只能由車主自行承擔責任。

    此外,也提醒一些新車主,如果車輛意外損壞后,應先打電話報保險,等待保險員到現場勘察定損,有一系列的流程。若車主自行在修車廠修理,然后拿著發票單到保險公司理賠的話,保險公司同樣有理由拒絕賠償。原因很簡單,那就是事故后若車主自行處理車輛,和保險理賠程序是不符的。而且保險公司也很難判斷出事故損失的具體數額,自然無法給到具體的賠償。

    新能源汽車和傳統燃油車的保險一樣嗎?

    這些情況保險公司可以不賠付 車輛保險那些事

    答案是肯定的,由于沒有新能源車專屬保險條款,新能源車在投保車損險時,只能沿用燃油車保險條款。這也表明一個問題,各保險公司在計算新能源車的車損險保費時,只能采用燃油車的保費自動報價系統,導致只能參照補貼前的車價,相對來說保費會比同款燃油車型的保費更高。

    車輛因事故報廢,按補貼前還是補貼后的金額賠付?

    這些情況保險公司可以不賠付 車輛保險那些事

    如果車輛因事故報廢,則按照購車發票上的金額進行賠付,根據車型的不同并算上折舊率等一整套流程來結算。其實也是和傳統燃油車一樣,同一套流程進行賠付。

    動力電池能不能單獨投保?

    這些情況保險公司可以不賠付 車輛保險那些事

    很可惜,并不可以,這就像傳統燃油車的發動機一樣,傳統燃油車的車險中無法單獨給發動機上保險,動力電池作為新能源汽車的核心部件之一,目前沒有單獨針對其的保險條例,無法單獨投保。

    不過大家也不用過于擔心,目前國家對動力電池等關鍵零部件也有相關的質保規定,此外,若是事故導致動力電池損壞,也是可以按照車損進行賠付的。

    總結:保險有著許多不同的條款,在投保前,不用有所忌諱,有疑問就向相關保險員提出來,了解清楚。此外,商業車險還有許多附加條款,,按照自己的生活習慣與環境來分析是否需要,以實際需求進行投保,無需被其他因素干擾。

    (文/電車資源 莫云信)

    版權聲明:本文版權為電車資源所有,轉載請務必注明來源(電車資源)及作者。

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