Who is responsible for a vehicle tire blowout?

" The chance of tire blowout has greatly increased, and the number of car tire thefts has also increased. However, for car owners who have purchased insurance, these two situations cannot be compensated by the insurance company. Yes Therefore, the reporter specifically interviewed Mr. Wan, who is responsible for vehicle insurance at an insurance company, to answer the above situation.

Tire rims

You are responsible for the losses

Weekends. Mr. Fu and his family from Chang'an District, Xi'an went for a drive on the suburban road. Just as the family was happily admiring the beautiful scenery in the suburbs, a loud noise startled everyone in the car. It turned out to be a car tire. Suddenly, the tire burst, and the car lost control at the moment. Mr. Fu was unable to brake in time, and the car hit a tree on the side of the road and stopped, causing not only damage to the front tires, but also multiple scratches on the headlights and hood. Wait, fortunately no one was injured.

So, how should the insurance company settle the compensation for this accident? According to Mr. Wan, according to the provisions of motor vehicle damage insurance, traffic accidents caused by tire blowout In the event of an accident or collision with another vehicle causing damage to other vehicles, the insurance company will determine the liability for the accident and pay compensation for the car accident according to the car damage insurance and third party liability insurance and other related insurances involved in the accident. Any damage to the car other than the tires caused by hitting the roadside will also be compensated. However, the insurance company will not compensate for the damage to the tires and steel rims caused by the puncture. Therefore, Mr. Fu's losses to the tires and steel rims should be compensated. It is your own responsibility

The tires were stolen

The insurance company will not pay the compensation

In the morning, Mr. Wang came down from the residential building with his briefcase and prepared to drive as usual. Go to work. Unexpectedly, when I arrived downstairs, I was dumbfounded. Why was my car parked downstairs raised by a few bricks and all four tires were missing?

This happened. Afterwards, the police will usually inspect the scene and make a record. Afterwards, the police will issue a certificate to the car owner. The insurance company's claims adjuster will also rush to the scene. However, when the claim adjuster sees this situation, he will usually say to the car owner: According to the insurance terms. According to the regulations, the insurance company cannot pay for your loss, and the car owner will wonder: Why doesn’t the insurance company pay for the loss of the tire even though they are covered by car damage insurance? Mr. Wang said that the terms of the motor vehicle damage insurance clearly stipulate that the insurance company is not responsible for the additional compensation for the vehicle that is stolen, robbed, or robbed, or is damaged due to theft, robbery, or robbery, or the vehicle parts and ancillary equipment are lost. The theft insurance clause also stipulates that if not the entire vehicle is stolen, but only the parts or ancillary equipment on the vehicle are stolen or damaged, the insurance company is not responsible for compensation. Therefore, from the perspective of these two clauses, tires are vehicle parts. If it is lost alone, the insurance company can refuse to compensate.

Warm Tips

Don’t over-inflate your tires in summer

In hot summer, tires are most vulnerable. If an accident occurs, how to avoid such things from happening? Mr. Wan told reporters that some car owners have a habit of driving with enough air inflated, thinking that this way the car will run more powerfully and faster, and it will also save fuel. However, in particularly hot weather, when such a car is driving on the highway, it is easy to have a tire blowout, and the consequences will be disastrous. Although insurance companies can compensate for car damage other than tires caused by traffic accidents or collisions with the roadside. However, the car owner will inevitably suffer some financial losses, and he himself will also be in a bad mood due to injuries to his car.

If the tire pressure is too high, the car will easily burst when climbing steps or being hit, and the steel rim will be damaged accordingly. Therefore, car owners are reminded not to over-inflate the tires in summer to prevent the air pressure inside the tire from expanding due to heat and causing a puncture; if the wheel tread is severely worn, you must consider replacing the car tires with new ones. Our reporter Wang Rongzhong

Case selection

The insurance company refused to compensate for the accident if the driver's license expired

Shortly after Mr. Zhang insured his Audi, the vehicle There has been an accident. But because the driver he hired had an expired driver's license at the time of the accident, the insurance company refused to pay. Mr. Zhang believed that he had insured the car and paid the premium and deserved compensation, but his claim was not supported by the court. The reporter learned that the court held in the first instance that according to the contract clause that "the insurance company will not pay compensation if the driver drives with an unverified driver's license", the insurance company should not pay the claim.

Mr. Zhang complained that he insured the Audi sedan he owned with vehicle loss insurance from a Beijing insurance company and paid the insurance premium. More than two months later, the driver he hired was involved in a traffic accident. The passenger was injured and the two cars collided and were damaged. The police determined that the driver he hired was 40% responsible. Mr. Zhang asked the insurance company to compensate him for 40% of the more than 180,000 yuan in car repair costs, which is more than 70,000 yuan in property losses.

The court held that according to the terms of the insurance contract, when Mr. Zhang’s car was involved in an accident, the driver’s driver’s license was expired and had not been verified, which would constitute a non-compensation situation under the terms of the insurance contract.