机动车商业行业示范汽车保险条款
1.本保险合同适用于机动车商业行业，包括货车、客车、工程车等。
This insurance contract is applicable to the commercial vehicle industry, including trucks, buses, construction vehicles, etc.
The insurance company is responsible for compensating for accidental loss of vehicles during the insurance period.
3.车辆保险标的包括车辆本身以及固定装置和非固定装置的车载设备。
The subject matter of vehicle insurance includes the vehicle itself, as well as fixed and non-fixed vehicle-mounted equipment.
The insurer shall pay the insurance premium as stipulated in the insurance contract.
5.保险合同约定的保险金额应当真实准确，保险人不得故意低报或高报价值。
The insured amount stipulated in the insurance contract shall be true and accurate, and the insurer shall not intentionally understate or overstate the value.
6.保险人应当对车辆进行定期维护和保养，保证车辆良好的使用状态。
The insurer shall regularly maintain and upkeep the vehicle to ensure its good operational condition.
7.保险人应按规定购买车辆第三者责任险，并及时办理相关手续。
The insurer shall purchase the vehicle's third-party liability insurance as required and process the related procedures in a timely manner.
8.如果车辆发生意外损失需要保险赔偿，保险人应当及时向保险公司报案并提供相关证明材料。
If the vehicle incurs an accidental loss requiring insurance compensation, the insurer shall
promptly report the case to the insurance company and provide relevant supporting documents.
9.保险公司收到报案材料后应当及时进行核定并予以赔偿。
The insurance company shall promptly assess and compensate upon receipt of the reported materials.
10.保险赔偿应当基于车辆实际损失和保险金额，合理、公正、及时地进行赔偿。
Insurance compensation shall be based on the actual vehicle loss and insured amount, and shall be reasonably, fairly, and promptly compensated.
11.保险人不得擅自拆卸、改装车辆，否则引起的损失将不在保险赔偿范围之内。
The insurer shall not dismantle or modify the vehicle without authorization, otherwise, the resulting losses will not be covered by insurance compensation.
12.保险人应当定期对车辆进行安全检测和年检，确保车辆的合法使用。
The insurer shall regularly conduct safety inspections and annual inspections on the vehicle to ensure its legal use.
汽车保险理赔查询13.保险人应当妥善保存车辆行车记录、维修记录等相关资料，以备日后需要。
The insurer shall properly keep vehicle driving records, maintenance records, and other related materials for future reference.
14.保险公司有权要求保险人提供车辆相关资料和信息，以便核定保险赔偿。
The insurance company has the right to request the insurer to provide vehicle-related materials and information for the assessment of insurance compensation.
15.保险人不得故意损坏车辆或制象以骗取保险金，一经发现将取消保险合同并追究法律责任。
The insurer shall not intentionally damage the vehicle or create a false impression to deceive insurance money, and once found, the insurance contract will be canceled and legal liability will be pursued.
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