Automobile insurance: The back-draft collides and damages the rear view mirror not to be able the adjustment?

The other day, Mr. Chen "My Automobile Had Words to the Hangzhou transportation 91.8 broadcasting stations Saying that" the column reflected: “when my back-draft has collided and damaged vehicle's rear view mirror, the Insurance company actually said that I have not taken out insurance the rear view mirror independent risk of breakage, cannot compensate. Moreover, at that time the traffic police wrote up the accident to recognize the book, recognizes my entire responsibility, but after Insurance company's damaging surely has looked at my vehicle, but also requests to look at the scene. Insurance company's procedure is whether reasonable?” consumer: Why does the Insurance company reject laims?when on July 20, Mr. Chen in the family who is located at the Xiaoshan area the back-draft, was not careful has run upon oneself front door, caused the left rear view mirror to be stave. After the accident occurs, Mr. Chen to insures this vehicles to be forever honest immediately the property insurance limited liability company Zhejiang subsidiary company to report. “the Insurance company lets me look for the traffic police first, therefore I reported to the traffic police.”Mr. Chen said that “the traffic police will look from now on, said that the situation will be very explicit, will be my entire responsibility.” attained the accident which the traffic police wrote up to recognize the book, Mr. Chen goes to the repair shop to repair a vehicle, simultaneously related Insurance company's damaging surely to damage surely to the repair shop. Had not thought that after deciding damaging looked at Mr. Chen's vehicle, actually said that must go to Mr. Chen the family to look at the accident scene, otherwise cannot provide damages the list surely. At the same time, the Insurance company adjustment's department staff also indicated that Mr. Chen has not taken out insurance the rear view mirror independent risk of breakage, cannot obtain the adjustment.“when initially bought the insurance, nobody tells me also to have rear view mirror independent risk of breakage this extraneous risks.”Mr. Chen is a little indignant, “, if initially the Insurance company the clerks to say the provision has been clear, I will take out insurance not necessarily in this company. I hope the Insurance company adjustment now, otherwise draws back on the sum total guarantees.” Insurance company: Duplicate will compare with the claims rejected has reason Reporter to be forever honest the property insurance limited liability company Zhejiang subsidiary company adjustment department to verify the situation which Mr. Chen said. is responsible to process this matter's Mr. Zhang to explain that Mr. Chen when reports to the Insurance company, the guest takes the personnel to find out the matter process, and to Mr. Chen confirmed repeatedly alone to be whether stave for the rear view mirror. The guest took the personnel to inquire Mr. Chen's insurance record on the computer, discovered that Mr. Chen has not taken out insurance the rear view mirror independent risk of breakage, but acted according to 2006 edition, 2007 editions "Family To use for oneself Automobile Damage insurance Provision", in Che Sunxian in the provision, the rear view mirror belonged to the exception responsibility stave alone, could not obtain the adjustment. recalls according to Mr. Zhang, at that time he has explained the provision in the telephone to Mr. Chen. “at that time Mr. Chen asked me, if is not the rear view mirror is alone stave, may compensate? I explained to Mr. Chen, if is the collision accident causes the rear view mirror to be stave, may obtain the adjustment. Therefore Mr. Chen said that his vehicle had the collision accident, the tailstock also had the abrasion. But the traffic police writes up the accident recognized that the book wrote plainly is the rear view mirror is alone stave, decides damaging in the repair shop not to discover the automobile body has the collision trace, the tailstock only then a slight scratch, is unable to recognize that is the collision creates.”Mr. Zhang said that Mr. Chen provided the rear view mirror to break alone and to have the collision accident two views successively, caused the responsibility to recognize with difficulty, the Insurance company then proposed must duplicate compare the scene. Safe profession association: The Insurance company should compensate to clarify the insurance clause, reporter also interviewed the Zhejiang Province safe profession association. The related person in charge understood after the situation indicated that the profession association regarding the concrete provision which forever honestly will insure is not clear. After this person in charge inquires many Insurance companies, also the discovery has not had “the rear view mirror independent risk of breakage” such a danger to plant. , is actually the rear view mirror alone so stave does belong to Che Sunxian the adjustment scope? The Zhejiang Province insurance profession association was related the person in charge to provide the present profession general three editions "Family To use for oneself Automobile Damage insurance Provision" (the editor note: At present from the situation which grasps looked that has the independent provision besides a special automobile insurance company, other Insurance companies A which, B, the C three series formulates from the Chinese Insurance Profession Association proclaim the provision to select one), three editions "Provision" “the responsibility absolution” the part has not clearly stipulated “the rear view mirror alone to be stave” is the exception responsibility. This person in charge believed that at present the overwhelming majority Insurance company has not promoted “the rear view mirror independent risk of breakage”, but the rear view mirror does not belong to the glass alone stave scope, therefore, Mr. Chen's situation should belong to Che Sunxian the adjustment responsibility.