What is car deductible insurance used for? In terms of function, what role can it have

Hello! Deductible insurance is an add-on to car insurance, and if you take out insurance, you can transfer 5% to 20% of the liability that you should be responsible for to the insurance company. Although this insurance provides broad coverage, it does not imply an absolute payout.

What is car deductible insurance used for? What are the features of deductible-free insurance.

It usually means that after the car owner purchases the insurance without deductible insurance, the deductible amount borne by the car owner due to the accident liability is transferred to the insurance company, and the car owner will receive more compensation. However, excluding deductible insurance, only the accident liability deductible odds of car damage insurance and third-party liability insurance are passed on to the insurance company. When purchasing car insurance, car owners should separately insure car damage insurance and third-party liability insurance without deductible insurance, so as to maximize their own claim rights.

1.When purchasing car insurance, car owners should separately insure car damage insurance and third-party liability insurance without deductible insurance, so as to maximize their own claim rights.

2.It is necessary to purchase the relevant main car insurance before it can be insured.

3.There are two types of deductible insurance: "basic insurance without deductible" and "additional insurance without deductible", and the service objects of the two are different. "Basic insurance without deductible" is an additional type of insurance, which serves the main insurance.

If the policyholder chooses this clause, then the insurance company will bear part of the risk in the event of an accident in the event of a car damage and third party liability. As the name suggests, "additional insurance without deductible" is for additional insurance, such as body scratch insurance, spontaneous combustion loss insurance, wheel damage insurance, new equipment loss insurance and other additional insurance, some insurance companies have corresponding deductible insurance for sale. You can choose according to the specific protection needs of your car.

4.In addition, free registration as a member, you can also enjoy various member preferential policies.

Deductibles are not included in the insurance for the right car, and you need to take out the main car insurance in addition to the main car insurance to be insured. In addition, if you choose the most affordable insurance without deductible, it is recommended that you try to choose a formal insurance platform to purchase. There are many insurance companies on the car insurance products, you may wish to come and compare and choose.

When buying car damage insurance, what is the deductible insurance that is generally attached? What does it do?

Excluding deductible insurance is excluding deductible special contract clauses, it is a kind of commercial additional insurance, but it should be noted that this type of product cannot be purchased separately and must be attached to the main insurance.

What's the use of deductible insuranceWhen the commercial auto insurance we buy is out of the insurance, it will not pay all the compensation, but will only pay according to the amount of loss, which will include a certain percentage of the free odds, and only more than this proportion will be paid.

However, if the owner of the car is insured without deductible insurance, then the part of the deductible that should be borne by the insured will be borne by the insurance company, so that the owner can pay the full amount after the accident, providing comprehensive protection for the car and himself.

The premium is calculated without deductible as follows:

Premium excluding deductible = premium for the type of insurance purchased Insurance rate.

The following are the premium rates for each type of insurance:

1. Third-party liability insurance: the insurance rate is 15%;

2. Motor vehicle loss insurance: the insurance rate is 15%;

3. Liability insurance for on-board personnel: the insurance rate is 15%;

4. Body scratch insurance: the insurance rate is 15%;

5. Theft insurance: the insurance rate is 20%.

What does "deductible exclude" mean in car insurance?

The deductible insurance of the car is a kind of commercial insurance, the full name is "excluding the deductible special clause", which is an additional insurance, which requires the main insurance when insured, and cannot be purchased separately without deductible insurance. Excluding deductible insurance, part of the compensation that the car owner needs to bear in a traffic accident can be passed on to the insurance company. However, deductible insurance does not pay all the time, and there are certain rules.

If the owner of the other car cannot be found after the accident, and the other driver escapes and there is no record with the public security organ, the deductible insurance cannot be used. If the car is involved in a series of accidents in a short period of time and needs to be paid, the insurance company will not pay the claim, and the insurance company will definitely think that it is deliberately defrauding the premium. In practice, however, accidents rarely occur one after the other.

Resolve traffic accidents on your own. After the accident of the motor vehicle of the two parties, the two parties reached a compensation agreement through negotiation, and did not retain the evidence at the time of the accident, and the deductible insurance will not take effect. In China, if it is not not not not liable, the insurance company will generally only pay 80% of the loss, and the remaining amount needs to be borne by the car owner, if the car owner has purchased deductible insurance, car damage insurance and third-party liability insurance, the liability amount can be borne by the insurance company.

The deductible of the answer to the car insurance includes the following situations: 1. In the motor vehicle loss insurance, the third party should be responsible for the compensation and the third party cannot be found; 2. Increased due to violation of safe loading regulations; 3. The insured chooses to deal with the traffic accident through negotiation on his own in accordance with the relevant laws and regulations, but cannot prove the cause of the accident. According to Article 13 of the Insurance Law, the insurance contract is established when the policyholder makes an insurance request, and the insurer agrees to underwrite the insurance.

The insurer shall issue an insurance policy or other insurance certificate to the policyholder in a timely manner. The insurance policy or other insurance certificate shall clearly state the content of the contract agreed upon by the parties. The parties may also agree to set out the contents of the contract in other written forms.

An insurance contract established in accordance with the law shall take effect from the time of its establishment. The policyholder and the insurer may agree on the validity of the contract with conditions or a time limit.