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保防并非有险必保,也并非有保必赔,车主要仔细阅读有关保险公司不赔付的内容,有针对性地避免无保障的风险。下面列举一些常见的不赔付情况。 1.酒后驾车、吸毒、药物麻醉所致车辆损失和第三者责任。 酒后驾车是违犯《中华人民共和国道路交通管理条例》的行为,由于酒后驾驶员可能失控,风险难以预测,所以保险公司拒绝赔付;吸毒更是一种违法犯罪行为,为国家法律所明令禁止,吸毒对神经产生麻痹作用和致幻作用,吸毒者无法控制自己的大脑和肢体,更不能驾驶车辆,保险公司有
Protection is not a risk insurance, insurance is not guaranteed, the car owners should carefully read the insurance company does not pay the content, targeted to avoid the risk of insecurity. Here are some common non-payment situation. 1. drunk driving, drug abuse, narcotics caused by the loss of vehicles and third party liability. Drunk driving is a violation of the “Road Traffic Regulations of the People’s Republic of China,” and drunk drivers may be out of control, the risk is unpredictable, so the insurance company refused to pay; drug abuse is a crime that is prohibited by national law , Drug use can cause paralysis and psychedelic effect on nerves, drug addicts can not control their own brain and limbs, but can not drive vehicles, insurance companies have