Car advocate cast to car protect do not have care for the sake of absolving turn back, but once car borrows,give others, this insurance not firm. Before before long, element does not have violate the rules and regulations with driving for years, without Mr Wang with proud accident, the dicker that receives the branch that make a valve to send continuously inside more than 10 days actually overspeed drives punish sheet, and record according to the photograph, these 10 overspeed place is to happen in same a section of a highway. After be being recollected through, he remembers to the friend is worth to borrow the those day of the car when the accident, because speed limit of not familiar road sets,the likelihood is, create vehicle frequently violate the rules and regulations.

Because of the friend undeserved drive, mr Wang should pay every pieces of 200 yuan fine not only. And, when the car danger add of Mr Wang will be protected May, insurance cost will rise in price. Concern a provision according to Shanghai area, on every one year has had the car that overspeed records, below one year hands in strong danger insurance cost to will go up in proportion tone, and the basis is moved on accumulative total of frequency of traffic violate the rules and regulations, odd second on tone scale is 20% , seal a top for 70% . Outside driving except overspeed, the accident of violate the rules and regulations that is included insurance cost to adjust coefficient likewise still includes: Do not drive according to travel of traffic signal lamp, overload, converse drive etc. Contrary, car advocate if on one year does not have violate the rules and regulations, unjustifiable compensate, insurance company can offer the insurance cost of 10% privilege when add is protected, serve as the encouragement of pair of high grade clients.

If say the experience of Mr Wang still is only " dozens small small be troubled by " if, so the experience of Mr Zhang needs broad car more advocate people " learn a lesson " .

Some day, mr Zhang rents a friend that knows on business field the car, the following day, the police searchs come to come. Original, this friend drives produce traffic postaccident to escape, whole process as it happens is filmed come down by road supervisory system, the police registers information to just find Mr Zhang by right of plate. Although Mr Zhang does not have responsibility this in the accident, but also must bear accident loss as car owner.

The lawyer thinks, car advocate cast for car protect after making strong narrow pass, insurance company is the obligor of the first compensation of case of compensation of traffic accident tort, and the condition that insurance company assumes insurance liability to pay compensation is aimed at cause trouble car, is not cause trouble driver. Accordingly, hire debit to whether have accident responsibility no matter, insurance company should agree according to the contract, liability to pay compensation is assumed inside insurance limit.
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