Monthly Archives: July 2015

List of commonly not covered things in Auto Insurance policies

 

Liability in Tort

Damage to the vehicle to transport things on it and goods your property or your relatives.
Death or injury to your relatives.

The responsibility is generated, for death, injury or damage when the vehicle is driven by unauthorized persons.

Total loss and partial damage to the vehicle and accessories

Damage caused by failures due to use or natural wear and tear of the vehicle.
Deficiencies damage repair or maintenance.

Damage that you use in your vehicle fuel not recommended by the manufacturer.
Note: Loss or damage sustained by the vehicle by the above causes are covered in case of: volcamiento, shock or fire.

Damage to keep on and / or start the vehicle after an accident, without the necessary technical repairs have been done.

In the driver accidents

Death, disability or dismemberment as different from a traffic accident consequence.
Suicide, attempted suicide or self injury, or not being normal use of his mental faculties.
Accidents occurring when the driver authorized to participate in speed or skill competitions.

The general policy will not cover the insured vehicle when:

  • It is retained by the authority or be kidnapped.
  • It is used for a purpose other than agreed in the policy.
  • It is used for driving instruction.
  • Participate in automobile competition or training.
  • Hale another
  • It is given for rent, unless the insured or beneficiary is a leasing company legally constituted.
  • Vehicle ownership has been transferred, whether or not in writing and regardless of whether or not legally registered.
  • fines and expenses that relate to reprehensible behavior is not indemnified.
  • In the claim there is bad faith or forged or altered documents are submitted.
  • I have fraud by the insured.
  • loss or damage to the vehicle occur by direct or indirect cause of war or acts of foreign forces, or by direct or indirect nuclear radiation or radioactive contamination accordingly.
  • Beech fraud, breach of trust and any other crime against different heritage theft, according to the definitions of the penal code.