Second, the liability exemption clarifies which risk accidents cause property losses and personal injuries that have nothing to do with the insurer's compensation, mainly including statutory and agreed liability exemption conditions.
Three, generally divided into four categories:
1, the risk that is not covered, that is, the cause of loss is exempted. For example, in the current basic enterprise property insurance, it is not responsible for the loss of the insured property caused by the earthquake.
2. Exemption of losses not liable for compensation. The insurer shall not be liable for the expenses and indirect losses caused by normal maintenance.
3. Non-contractual objects include those that are absolutely not guaranteed, such as land and mineral deposits, and those that are specially insured, such as gold, silver and jewelry.
If the applicant or the insured fails to perform the obligations stipulated in the contract, he shall be exempted from liability.
4. After the exemption occurs, the insurance company is not responsible for compensation or compensation, but the contract is still valid, unless you don't want to insure, and the insurance contract is terminated through negotiation.
Extended data:
Exempt from insurance liability
1, the insurance contract has the stipulation of "liability exemption". For losses caused by disasters such as earthquakes and explosions, insurance companies generally do not bear the responsibility. Some specific types of insurance exclude many seemingly related responsibilities;
2, such as car damage insurance, it sounds as if you can compensate as long as the car is broken, but it is not. Auto spontaneous combustion, the insurance company does not pay; The insurance company will not compensate for the broken glass;
3. The insurance company will not bear the cost of tire loss when the tire of the car has a flat tire alone, but if the car crashes due to the flat tire, the insurance company will pay the loss compensation except the tire loss cost.
Because of accidents like broken glass, insurance companies have special insurance coverage, so car damage insurance will not undertake this function.
5. According to Article 18 of China's Insurance Law: "If there is an exemption clause for the insurer in the insurance contract, the insurer shall clearly explain it to the applicant when concluding the insurance contract. If it is not clearly stated, this clause will not take effect. "
6. This clause particularly emphasizes that the insurer has a clear obligation to explain the exemption clause agreed in the insurance contract, but failed to do so;
7. The exemption clause does not take effect. In case of such accidents or events, the insurer will still bear the insurance liability.
8. Exemption from insurance liability is opposite to insurance liability, also known as "exclusion liability", which refers to the agreement of the insurer according to law or contract;
9. Insurance liability exempts the scope or type of risk that does not bear the insurance compensation or payment liability, in order to appropriately limit the insurer's liability.
Baidu Encyclopedia: Exempting from Insurance Liability