How does the insurance company pay the additional fee? Such as flat tires, traffic accident trailers, etc.

Summer is a season of frequent natural disasters, and it is also a season when cars can't afford to be injured. Accidents such as tire puncture, line aging and spontaneous combustion, and explosion of articles in the car caused by high temperature and summer heat often bring huge property losses and personal injuries to the owners.

However, many minor problems are often listed as "liability exemption" in auto insurance clauses, and it is difficult to get claims smoothly. To this end, auto insurance experts remind the majority of car owners and friends that they should not only pay attention to maintaining their cars in summer, but also take the initiative to master some auto insurance claims skills, pay attention to driving matters and vehicle insurance details, and avoid touching the "minefield" of claims.

Minefield 1:

Explosive spontaneous combustion will refuse to pay compensation.

Some car owners like to put small things in their cars, such as lighters, carbonated drinks, perfumes, detergents, mosquito killers and so on. It doesn't matter if these items are put in the car in the cold season, but in the hot summer, if these small items are exposed to the sun for a long time, it is easy to cause explosion and spontaneous combustion, which will bring losses to the owner.

"Even if the glasses in the car are improperly placed, it is easy to cause a fire." The staff of Tian Ping Insurance Claims Department told the reporter that the loss caused by the explosion of dangerous goods stored in the car belongs to the owner, and the insurance company will not compensate. Therefore, he suggested that you should never put flammable items in the car in summer.

The reporter consulted a number of insurance companies and learned that according to insurance regulations, the agreement on explosion in vehicle insurance refers to "external explosion source" rather than cars. At the same time, the treaty of vehicle spontaneous combustion also emphasizes that the claim condition is "internal reasons such as vehicle lines". Explosions and fires caused by inflammable dangerous goods such as lighters and car perfume are not covered by insurance.

Auto insurance experts suggest that it is very necessary to clean up small items in the car in summer. In addition to the above exclusions, if the "separate glass breakage insurance" is not insured, the glass breakage caused by the explosion of the articles in the car cannot be compensated.

Minefield 2:

Pay attention to tire pressure to prevent "individual loss" of flat tire.

A flat tire is a concern of almost every car owner. Especially in summer, if the tires are inflated too much, it is easy to cause a puncture accident if they encounter exposed roads. Once there is a puncture, the consequences are unimaginable.

For the puncture accident, the reporter consulted the relevant personnel of the auto insurance company and learned that the insurance company would not compensate for the loss of the tire itself caused by the puncture.

According to the staff of Tian Ping Insurance Company, the "individual damage" of tires and rims caused by puncture is generally regarded as the natural aging phenomenon of auto parts by insurance companies, and the compensation condition of auto insurance for tires must be the damage caused by accidents such as accidental collision. However, if it is a traffic accident caused by a flat tire and causes losses to the vehicle, the insurance company will still settle the claim.

Therefore, auto insurance experts suggest that car owners should check the tire pressure in time in summer, pay attention to the four-wheel positioning of the vehicle, and don't run too fast when driving to avoid the danger of puncture.

Minefield 3: Avoid spontaneous combustion after exposure.

With the increase of high temperature weather in summer, automobile spontaneous combustion accidents occur from time to time. However, many car owners know that spontaneous combustion is one of the exemption clauses in car damage insurance clauses, and auto insurance companies usually do not pay compensation.

According to the reporter's understanding, for vehicle spontaneous combustion, insurance companies generally have corresponding "self-ignition insurance", but in addition to car damage insurance, they need to buy it. If the vehicle is not additionally insured with "self-ignition insurance", the owner can only pay for the loss caused by the spontaneous combustion of the vehicle. At present, only the car damage insurance of Tian Ping Insurance includes auto-ignition insurance, and the owner does not need to buy it separately.

Auto insurance experts suggest that if the car damage insurance clauses purchased by car owners do not include spontaneous combustion insurance, they should be purchased separately as additional insurance when insuring car damage insurance. Take a vehicle with a value of100000 yuan as an example, the annual spontaneous combustion loss insurance can't reach 200 yuan (excluding deductible). It can be described as "small cost and big guarantee".

In addition, auto insurance experts also remind the majority of car owners to park their cars in the shade in summer and try to avoid exposure. At the same time, the vehicle mainly inspects and maintains the flammable parts of the vehicle such as engine, oil circuit and circuit in time.

Minefield 4: Don't start the engine after it is flooded.

There are many rainstorms in the south in summer, and engine flameout accidents occur from time to time. If you encounter such a situation, it is recommended that the owner never start the vehicle rashly, otherwise it will easily lead to engine damage. If only car damage insurance is insured without additional insurance, most insurance companies will not pay for the loss caused by engine water.

But most car owners are not aware of this rule. Therefore, it is necessary to remind the owner that when the vehicle is turned off in a rainstorm, never start the vehicle again, but try to drag the vehicle out of the stagnant water and call the insurance company to report the case in time, and the insurance company staff will handle it. Or according to the advice of the insurance company, take relevant reasonable measures to "rescue" the car before starting it.

In addition, in order to cope with the possible risks of driving in rainy season, it is best for car owners to take out a separate "wading loss insurance" before the rainy season, which can pay for the losses caused by road water accumulation and water start-up.

At present, many auto insurance companies provide free non-accident road rescue services. For example, the rescue company will tow the vehicle to the repair shop because the vehicle can't drive because of the fault, does not meet the on-site repair conditions and needs trailer service; The vehicle cannot be started due to insufficient battery power, so it needs to provide power service; The vehicle has a flat tire, but the driver will not change the spare tire, and the rescuers will change the spare tire.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.