Mr. Chang bought in May last year, a step-teng, an insurance company was purchased in auto insurance. Zhejiang Province in January this year, the way in to the rear-end accident occurred, the traffic control department sentenced Mr. Zhang fully responsible for the maintenance cost of nearly 20,000 yuan.
Later, Mr. Zhang to the insurance company for damages, the insurance company after an investigation that Mr. Zhang had modified the vehicle, but did not inform the insurance company to change policy, and therefore part of the Car Part refused to compensate.
In fact, Mr Cheung is not small. Since the October 2008 version of "motor vehicle registration requirements," the official implementation has relaxed restrictions on vehicle modifications. Modified accessories, huge profits have led some 4S shops started to engage in auto form conversion industry, some manufacturers will be the timely availability and modified documents supplied to the dealer. According to Shanghai Modified car Industry insiders, as the country's open policy for their vehicles, 4S shop operator conversion business has its objective necessity. For most car owners, the conversion is only to show personality, not the pursuit of extreme performance vehicles, some exterior modification services can meet their needs. Second, Modified car Involved in maintenance, insurance claims, and other issues examined in the 4S shop will be better guaranteed.
Claims on the modified parts which, according to report, provisions of insurance companies auto insurance generally provides that: In the life insurance contract, insurance, legal conversion of vehicles may increase the risk coefficient, the insured shall notify the insurer in writing in advance, and marking procedures apply within 10 days. Insurance for vehicle modifications needed in a timely manner, "the new equipment insurance", in addition to the insurance of the vehicles original equipment factory outside of the insured to install additional equipment and facilities, handle the insurance shall indicate the new equipment list and price. Or escape from danger, you can not get new equipment losses.
Safe auto insurance related staff told reporters that Mr. Chang for the modified car, the availability of such claim, to be divided situation. Should the modified vehicle is not verified by Vehicle Administration can only be part of the debts of the Compulsory Traffic Insurance; Should the modified car through Vehicle Administration certification, you can get business insurance and pay compulsory insurance of the debts. However, the situation will have to see concrete Peifu set loss, some parts may not be compensated.
Is worth mentioning that the quality of vehicle conversion parts and sources are "as to whether the claims of other conditions." According to a 4S shop personnel, vehicles converted into pieces of original pieces and "cottage pieces." Item original production of parts has, in insurance, insurance companies can be found on parts of the model in time and price information, so claims easier. The part of the "cottage" modified pieces are mostly small manufacturers, and even smuggling parts, "not finding out the price of these accessories and number, insurance exclusions is also reasonable."
Insurance experts advise owners of vehicles converted for, not only to ensure safety compliance, through the vehicles examined, it shall promptly notify the insurance company, the vehicle insurance contracts remain in force. In addition, when the original vehicle change of use, such as from home to business, insurance companies should also be timely to apply changes to the insurance contract.
(ArticlesBase SC #4670695)