私家车主在投保车辆保险时,大部分人会选择投保包括车辆损失险、商业第三者责任险等都在内的“全险”。但实际生活当中,还是会有不少“除外责任”的情况发生,容易引发理赔上的纠纷。为此,车主最好还是仔细研读一下保险条款,以免陷入理赔误区。 Private car owners insure vehicle insurance, most people will choose to insure, including vehicle damage insurance, commercial third party liability insurance, etc., including the “all-insurance.” However, in actual life, there will still be a lot of cases of “exclusion of responsibility”, which will easily lead to disputes over claims. To this end, the best owner or carefully study the terms of insurance, so as not to fall into the wrong area claims.