What is Motor Vehicle Damage Insurance without Deductible? Is it necessary to buy?

In recent years, there are more and more families buying cars, and the types of insurance for cars are also classified, especially many, for various types of motor vehicle insurance, many people may still not be clear so far, mainly because the categories of motor vehicle insurance are particularly many, and the choice is particularly large. The most important thing here is a vehicle loss insurance and deductible insurance, in fact, some people think that there is no need to buy, and some people think that they must buy, so let's take a look at some of the two types of insurance.

First of all, vehicle loss insurance generally refers to the insured vehicle suffering from natural disasters or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and as a type of insurance with the highest premium in private car insurance, so many car owners do not know how to calculate the vehicle loss insurance, not very clear, this is actually the basic premium + new car purchase price * rate, so that the loss rate of the vehicle loss insurance is like this, and the things measured are generally only guaranteed in lightning strikes, heavy rains, storms, floods, or vehicle accidents caused by natural disasters and collisions and overturns.

The deductible insurance here refers to a kind of additional insurance of commercial insurance, and the additional insurance of commercial insurance is an additional insurance that does not include deductible insurance, and only the main insurance of insurance is a prerequisite for insurance, and this type of insurance generally refers to the calculation of the deductible after the occurrence of a specially agreed insured event, according to the main terms of the corresponding insurance, and the insured shall bear the deductible odds, and some insurers are responsible for compensating for an insurance. As long as the policyholder chooses not to count the deductible insurance, the car owner can enjoy a part of the compensation to the insurance company in accordance with the terms of the insurance, and can enjoy the responsibility of the car owner in the accident, so that he can bear the part of the compensation. Generally, deductible insurance is an add-on insurance that can be bought or not.

But to be honest, in general, it is necessary to buy the loss insurance of the vehicle, after all, for some natural disasters, everyone can not predict it, regardless of the deductible insurance, this one is an additional insurance and the probability of the situation is relatively low, if you feel that it is not necessary to buy, you can choose not to buy deductible insurance, but in general, depending on the willingness of each owner, as long as there is a need to sell.

It means that after a special agreement, when the insured event occurs, the insurer shall be responsible for the part of the deductible amount that should be borne by the insured in accordance with the deductible calculated according to the terms of the main insurance corresponding to the insurance. There is no need to buy. Because not all cases can be compensated, and the purchase of ** is also a bit high.

If the motor vehicle is damaged, you can compensate for all of it if you buy this insurance, and you can't compensate if you don't buy it, I think it's still necessary to buy it, so it's more cost-effective.

It means that in the event of a traffic accident, the insurance company will pay for the loss that the car owner has to pay. Of course it is necessary to buy.

Deductible is not counted if uninsured.

According to the proportion of liability borne by the vehicle in the accident, the insurance company implements the accident liability exemption rate within the amount of compensation: 15% for those who are fully liable, 10% for those who are primarily liable, 8% for those who are equally liable, and 5% for those who are secondarily liable.

This means that if two cars collide with each other. Party A is fully responsible, the losses of both parties are 10,000 yuan, car damage insurance and three insurances, and these two types of insurance are also insured, then Party A can get 10,000 compensation.

If only car damage insurance and three insurances are insured, and there is no deductible, Party A can only get 10,000 * (1-15%) 8,500 compensation.

Excluding the deductible means that the insured vehicle is not held accountable for the accident and is paid in full.

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What does "deductible exclude" mean in car insurance?

The full name of the deductible insurance is "the special clause without deductible", which is an additional insurance for commercial insurance (Zheng Quiet Car Damage Insurance or Three Liability Insurance). As an additional insurance, the insurance liability of the deductible insurance usually refers to the part of the deductible amount that should be borne by the insured within the liability limit calculated according to the deductible calculated according to the deductible stipulated in the main insurance clause of the corresponding insurance after a special agreement. Different insurance companies have different rates for deductible insurance, but most insurance companies have special insurance rates for third-party liability insurance, motor vehicle loss insurance, vehicle personnel liability insurance, body scratch insurance, etc., which are 15% of the purchase amount of each type of insurance, and the rate of the special terms of theft insurance is 20% of the purchase amount of the insurance.

1. Compulsory traffic insurance: It is used after a traffic accident to pay compensation to a third party when the car is responsible, and the car is not compensated.

2. Car damage insurance: After a traffic accident, in the case of damage to the car, the cost of materials and working hours incurred after repair shall be borne by the insurer.

3. Commercial three-party insurance: In popular terms, it is a supplementary insurance for compulsory traffic insurance, with a compensation limit of 110,000 for death and disability due to compulsory traffic insurance, a medical compensation limit of 10,000 yuan, and a property compensation limit of 2,000 yuan.

4. Deductible insurance: Deductible is an additional type of insurance for the main insurance, which can only be purchased after purchasing the main insurance such as car damage, three, car dealers, etc., as an additional type of insurance for car damage insurance, three liability insurance, car personnel insurance, full car theft rescue and spontaneous combustion insurance (there are some companies that are sold together, and some companies can be selected separately), if you do not insure the insurance, you should deduct the responsibility according to the size of the insurance, 20% of the full liability, 15% of the main responsibility, 10% of the same responsibility, and 5% of the secondary liability. Bear your own responsibility, and the insurer will bear it after purchase.

However, the deductible does not apply to the agreed absolute deductible.

Matters covered by the absolute deductible:

The insurer shall not be liable for the deductible amount that shall be borne by the insured in the following cases:

1. The third party shall be responsible for compensation in the motor vehicle loss insurance but the third party cannot be found; 30%

2. The insured chooses to handle the traffic accident through negotiation on its own in accordance with the relevant laws and regulations, but cannot prove the cause of the accident; 20%

3. Increased due to violation of safe loading regulations; 10%

4. The designated driver at the time of insurance application, and the insured vehicle is increased by the non-designated driver when the insured vehicle is used; 10%

5. The insured accident occurs outside the agreed driving area at the time of insurance application, and the insured accident occurs outside the agreed driving area; 10%

6. The increase is due to the occurrence of multiple insured accidents during the insurance period;

7. In the event of a full-vehicle loss insurance accident stipulated in the motor vehicle theft insurance, the insured fails to provide the "Motor Vehicle Driving License", "Motor Vehicle Registration Certificate", the certificate of origin of the motor vehicle, the certificate of tax payment of the vehicle acquisition tax (the certificate of payment of the vehicle purchase surcharge) or the certificate of tax exemption;

8. The insurance provisions that may be attached to this clause but have not been selected to attach this clause;

9. The insurance provisions of this clause shall not be attached. In addition to theft insurance, all insurance companies can attach special clauses that do not include free odds in their motor vehicle commercial insurance.

3. There are still four non-claims in the special clause excluding the free odds: the additional deduction free odds, the additional insurance free odds, the accident cannot find the third party, and the accident responsibility is difficult to determine;

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<> "Is it car damage insurance without deductibles?"

1. Is it car damage insurance without deductible?

The full name of the deductible insurance is "the special clause without deductible", which is an additional insurance for car damage insurance or triple liability insurance. The insurance liability usually refers to the part of the deductible amount that should be borne by the insured within the liability limit calculated according to the deductible calculated according to the deductible stipulated in the terms of the corresponding main insurance after the occurrence of an accident. Generally speaking, if you take out this type of insurance, you can transfer 5% to 20% of the liability that you should be responsible for to the insurance company.

2. Excluding deductibles, it is a pure defense of which part of the loss is exempted.

First of all, we need to know one principle: the principle of risk sharing. That is, after the accident occurs, the insured also has to bear a certain percentage of the loss amount, the purpose is to restrain the driver, and use economic methods to motivate the driver to drive safely and make it as little as possible to get out of danger.

This reason is easy to understand, to put it bluntly, insurance companies are afraid that someone will rely on insurance and drive unscrupulously. If something happens, he will shout, "My dad is Li Gang!" ”。

Regardless of the deductible, what is exempted is the part of "personal conceit".

3. Regardless of deductible and no compensation.

1. Frequent insurance is deducted from the odds. The deductible odds are the part of the insurance company that does not make a claim if the policyholder violates the rules of the state, or the policyholder feels that his driving skills are unreliable. Because there is no determination of responsibility for the deductible odds, it is not compensated without deductible.

2. When only buying basic insurance without deductible. The basic insurance, excluding deductibles, is only available for basic insurances such as vehicle damage insurance and third-party liability insurance. Riders such as wading insurance are not valid.

If the engine is damaged due to water ingress, if you want to get full compensation, you must buy additional insurance without deductible.

3. The car is scratched on the side of the road or a third party escapes.

4. The accident did not leave a certificate, so the traffic police could not determine responsibility. The motor vehicles of the two parties were scratched, and then moved to the side of the road after negotiation, but did not retain the ** and location marks at that time, and the two parties could not give clear evidence and reasons when reporting the case, so even if the insurance is insured without deductible, I am afraid that the full compensation will not be obtained.

To sum up, deductible insurance is an additional insurance to car damage insurance or triple liability insurance. If you purchase deductible insurance for car damage, you can get insurance coverage in the event of an accident. To a certain extent, car owners can reduce the burden of economic pressure and reduce losses.

It is necessary to buy. In this way, the risk of financial loss can be transferred to the insurance company. Under normal circumstances, motor vehicle insurance has a certain deductible, and the range of deductibles is generally between 5% and 20%.

As long as the user is insured with a motor vehicle without deductible insurance, then when the main insurance such as car damage insurance and third-party liability insurance is insured, once a claim accident occurs, no matter how much the claim amount is, Gao Xiang will have the insurance company to pay full compensation.

If you are not insured without deductible, then in the event of an accident, the insurance company's compensation ratio is usually only 80%. Motor vehicle loss insurance refers to the insured vehicle suffering from natural disasters (excluding **) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer shall compensate according to the provisions of the insurance contract. This is the opposite of a third party, which is to take care of yourself, and if you take care of your car, you have to buy it.

Motor vehicle loss insurance refers to the insurance in which the insurer compensates for the damage and loss caused by the accident of the motor vehicle insured by the insured within the scope of insurance liability. Due to the fact that there are many accidents involving insured motor vehicles, in order to expand the protection of the insured, countries generally provide comprehensive insurance, and some dangerous accidents with high loss frequency; It is sometimes classified as an independent risk shop. (Photo by photo:.)

Chen Jie2) @2019

Hello Excluding deductible insurance and car damage insurance are not the same meaning, excluding deductible means that according to the deductible determined by the main insurance deductible early flash to determine the deductible part, the insurance company can be within the liability limit to make a claim, and car damage insurance can mainly be used to protect the insured vehicle due to the damage caused by the insured accident, the two are completely different concepts.

1. The motor vehicle loss insurance does not include a deductible, and if it is, whether the insurance company pays the full amount when the compensation is paid;

When paying out for motor vehicle accidents, there is no deductible, and the insurance company will have an absolute deductible of 20%.

2. The insurance company has the right to imitate the third party to recover the loss of the vehicle that cannot be found, according to the terms of the car damage insurance, "the loss of the insured motor vehicle shall be compensated by the third party, and if the third party cannot be found, the absolute free odds of 30% shall be implemented".

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Now the insurance clause of the insurance company has a free odds, and the remaining vehicle loss insurance in the commercial insurance, the insurance company will deduct 15% when making a claim, which is included in the clause. Therefore, when buying car insurance, if you buy car damage insurance, it is best to buy a car damage deductible insurance to reduce your financial compensation to the minimum, so that no matter how much responsibility the car owner bears in the accident, the insurance company will pay all the premiums to the car owner, and there will be no insufficient compensation after the accident.

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