Many vehicle owners have had experience with automobile insurance claims being rejected. Actually, in some cases, the insurance company’s refusal to pay compensation is legal. We must carefully read the contract clauses when we sign an insurance contract with an insurance company. In particular, most of the insurance contracts are prior The format clauses drawn up by insurance companies do not negotiate with policyholders, which in turn requires us to increase our awareness of rights and avoid unnecessary risks. If it meets a certain auto insurance compensation exception Therefore, the insurance company's refusal to pay compensation is legal. For example, if the insurance company is willing to create traffic accidents, drunk driving, and vehicle damage caused by vehicle theft, it is a condition of non-compensation. However, if the scope of compensation should be covered by the insurance company’s refusal, how can we claim it? If we meet the conditions for subrogation compensation, we can apply for subrogation compensation. What is subrogation compensation? It is a basic system stipulated by China's insurance law. Its purpose is to provide double protection for the insured to ensure that the insured's losses are fully compensated. At the same time, the insured will not benefit too much from the insurance. The popular explanation is that the insurance company insured by the insured advances the insured person first, and then the insurance company recovers the responsibility of the responsible party within the limits of the amount already paid by the insurer. Of course, subrogation can not be applied under any circumstances. It is premised on the insurance of compulsory insurance and commercial insurance. Commercial insurance here includes third-party liability insurance, vehicle loss insurance, and stolen emergency insurance. It can apply subrogation compensation. There are five situations in which the provisions of the law can be found in China's Insurance Law. In addition, if a unilateral accident, such as accidentally hitting a tree, hits a wall, because there is no responsible party, you can't always ask for a tree, ask for wall compensation, and then in the event of a vehicle accident, the tire breaks and the rim Damages to articles that are not covered by insurance claims, such as scratches or loss of items in the vehicle, are not subject to subrogated compensation whether or not there is a third party. In general, as long as the report is timely and legal after insured, most insurance companies will not refuse compensation, but if they actually encounter a refusal, we can complain to the Insurance Regulatory Commission in accordance with the law. Twinkle System Technology Co Ltd , https://www.pickingbylight.com