s*****8
发帖数: 147 | 1 上次出了一次事故，新续的Allstate保险加了一个新的条款，大家帮忙看一下什么意思
，是不是保险只保保险声明的司机，其他客人开车的话不保。这个变动是不是和我以前
的事故有关
In Part 4—Protection Against Loss To The Auto, the following
is added Losses We Do Not Cover Under Coverages DD, HH,
JJ, UU, ZA, and ZZ:
20. Loss to your insured auto (including loss to an attached
trailer) from a collision with another object or by upset of
that auto or trailer if, at the time of the loss, the auto was
being operated by a licensed driver who was not listed on
your Policy Declarations as a driver and who was either:
a) a resident; or
b) a guest temporarily staying in your home.
We will not apply this exclusion under the following
circumstances:
a) The driver operating the auto became a resident, a
guest temporarily staying in your home, or a licensed
driver no more than 90 days prior to the loss;
b) At the time of the loss, the driver was listed as an
insured or licensed operator under another
automobile insurance policy; or
c) At the time of the loss, the driver was operating the
auto:
i) for the purpose of obtaining emergency medical
treatment for a passenger in the auto; or
ii) because of the intoxicated condition of all other
licensed drivers in the auto, and the driver was
not legally intoxicated. Coverage will not apply
unless a police accident report is obtained at the
scene of the accident or, if a police accident
report is not available at the scene of the accident,
as soon as possible thereafter. |
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