With the rapid development of economy, people's life is better and their mental pressure is greater. Some people will take extreme measures if they can't think of it. Mobile phone news and TV also occasionally see people who jump subway, jump buildings and jump bridges to commit suicide. Take tiaoqiao for example. What would you do if your car just drove by and hit it? The light born one jumps to solve thousands of worries, but worries about the smashed car owner.

I'll talk to you today

Prime minister, let's first see what part of the loss is divided into.

Personal injury or death and property loss caused by the use of the insured vehicle (not the person on the vehicle and the insured)

The third party liability insurance covers the third party's personal injury and death or direct loss of property caused by accident when the insured vehicle is used.

(within the scope) vehicle damage insurance covers the damage to the insured vehicle caused by the occurrence of an insured accident while the vehicle is in use.

Not only the car damage caused by suicide, but also the car damage caused by weather (hail, typhoon, etc.) belongs to the scope of car damage insurance.

Is it safe to take out all risks insurance?

In the actual insurance industry, the generally recognized vehicle all risks insurance refers to the five combinations of "traffic compulsory insurance + vehicle damage insurance + three party liability insurance + no deductible + vehicle personnel insurance". On the surface, it seems to be very comprehensive, but each insurance company has its own parts not covered by all risks insurance, and the most criticized water related insurance is not included in general all risks insurance, glass, theft and self ignition are not included, so Whether it is covered by all risks insurance also depends on the terms.

Continue to say that car damage caused by suicide smashing cars, jumping bridges and jumping off buildings can be compensated through car damage insurance, but in the actual compensation cases, there will be problems: can all vehicles be compensated by car damage insurance?

Isn't it divided? So the key lies in the interpretation of "vehicle damage caused by falling objects".

"Vehicle damage caused by falling objects" belongs to vehicle damage insurance, but some insurance companies think that "people jump off buildings to commit suicide rather than falling objects" is exempt from liability when settling claims. What should consumers do in such circumstances? In the face of such shameless insurance companies, they must seek the help of the local CIRC. If there is no consensus between the two sides in terms of interpretation, the CIRC will coordinate.

I don't want these tragedies to happen, but if I catch up with you, you should know how to deal with them. I hope everyone is safe!