新的保险加了一个条款# Automobile - 车轮上的传奇
s*8
1 楼
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.
，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.