“您没有责任,我们不能赔您的损失”“您没有48小时内通知我们,所以不能赔偿您”……这些可能是保险公司在拒赔过程中说过最多的话。这些拒赔理由已经成为大家默认的规则。然而这些默认的规则在法律上并非一定有效。拒赔理由一:交管部门认定无责案例:去年6月份,李先生在晚上开车回家的途中正常行驶时,被一辆送货的电动三轮车追了尾,造成车尾部严重 “You are not responsible, we can not lose your loss ” “You did not notify us within 48 hours, so can not compensate you ” ... These may be the insurer in the process of claiming the most. These grounds for refusal have become the default rules. However, these default rules are not legally valid. Refuse to pay a reason: the traffic control department found no responsibility Case: last June, Mr. Lee on his way home at night driving normally, was a delivery of the electric tricycle chased the tail, resulting in serious tail