What is the purpose of excluding deductible in car commercial insurance

When we buy insurance for the first time, there will be a lot of terms that we don't understand, for example, excluding deductible is a proper noun in car insurance, and we don't know that this type of insurance will really lose money:What is deductible insurance? You'll understand after reading it! 》

What's so special about not counting deductibles?

1.Excludes deductible definitions and functions

If the insurance purchased is a car damage insurance, it has a 15% deductible, which tells us that it cost us 100 yuan to repair the car, 85 yuan is the amount that the insurance company will compensate us, and the remaining 15 yuan is what we need to pay. This is the free odds, excluding the deductible means that there is no free odds, the insurance company wants to compensate us for all the losses after the accident, the main insurance is relatively high, and you also need to pay for some really good losses, in summary, you still need to buy the deductible insurance.

We now know what the deductible means, the deductible is an additional insurance, which means that only the main insurance can be attached, excluding the deductible In fact, each main insurance needs to be attached separately, after all, the deductible insurance is not a general insurance, not to buy one can be used. Don't get me wrong, think that all the add-ons need to be purchased, and what add-ons don't have to be purchased"One article tells you what car insurance is and what you don't need to buy".

2.Regardless of when the deductible is invalid

If you think you can sit back and relax without deductible, then you are still too naïve, and there are some situations where you can't use it.

There is no responsible person, no accident location

If your car has been scratched, it may have been several months since you found it, and the person who scratched the car has not been able to find it, and there is no place to scratch your car, in which case it is useless to ignore the deductible.

If you do not purchase the corresponding type of insurance, the deductible will not be counted

We have said before that the deductible is an additional insurance, and you must buy the main insurance to attach, such as the third party liability insurance without deductible, car damage insurance without deductible, etc., if your car is damaged, there is no additional deductible when you buy car damage insurance, in this case, the insurance company will not pay 100%. It looks like there are a lot of car insurance to buy, what to do if you exceed your budget too much, don't be afraid that I have a money-saving strategy here:How to buy car insurance wisely?

Hope!

The special insurance without deductible is only for losses within the scope of vehicle damage insurance and third party liability insurance, and the deductible provisions of other additional insurance cannot be cancelled. According to the provisions of the article, under normal circumstances, the calculation of each insured accident and compensation within the scope of the above insurance implements the principle of liability and deductible, and the car owner must bear a certain proportion of the loss (called the deductible) according to the size of the accident liability. However, if the insurance company has purchased special insurance without deductible, after the occurrence of the insured accident, the insurance company will no longer deduct the deductible according to the original deductible provisions, but will pay compensation for the actual losses calculated according to the regulations.

However, in the Shenzhen clause, the absolute deductible of 1,000 yuan shall be deducted from the compensation for each accident loss.

As the name suggests, the deductible and deductible are not deducted after you are out of insurance, but the general company will have regulations that after you appear many times, you still have to slowly deduct the deductible.

Summary. Definition of commercial insurance: Commercial insurance refers to the form of insurance operated by entering into an insurance contract for the purpose of profit, operated by specialized insurance companies

The commercial insurance relationship is a contractual relationship voluntarily concluded by the parties, in which the policyholder pays insurance premiums to the insurance company according to the contract, and the insurance company bears the responsibility of compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility of paying insurance money when the insured dies, is disabled, sick or reaches the agreed age and period. The so-called social insurance refers to a social security system that collects insurance premiums to form social insurance**, which is used to provide basic living security for members who lose their ability to work or lose their job opportunities due to old age, illness, maternity, disability, death and unemployment.

Hello dear, included.

Excluding deductibles is a commercial insurance, and the deductible insurance needs to be purchased separately. The non-deductible insurance of commercial insurance mainly exists in the car damage insurance and three-liability insurance of car insurance, and there is no additional deductible insurance for life insurance, life insurance and other property products. The full name of the deductible insurance is "the special clause without deductible", which is an additional insurance to commercial insurance (car damage insurance or triple liability insurance).

Definition of commercial insurance: commercial insurance refers to the form of insurance operated by Bu Jian to conclude an insurance contract for the purpose of profit, and the group is operated by a specialized insurance company: the commercial insurance relationship is a contractual relationship voluntarily concluded by the parties, and the policyholder pays insurance premiums to the insurance company according to the contract, and the insurance company bears the responsibility for compensating for the property damage caused by the occurrence of the accident that may occur according to the contract, or when the insured dies, is disabled, sick or reaches the agreed age, Bear the responsibility to pay the insurance money when the deadline is due.

The so-called social insurance refers to a social security system that collects insurance premiums to form social insurance**, which is used to provide basic living security for members who lose their ability to work or lose their job opportunities due to old age, illness, maternity, disability, death and unemployment.

The so-called non-deductible special insurance refers to the non-deductible special clause in the car insurance, which is a kind of commercial additional insurance. This type of insurance usually refers to a kind of insurance that the insurer is responsible for compensating for the part of the deductible that should be borne by the insured after the occurrence of an insured accident calculated according to the deductible calculated according to the terms of the main insurance corresponding to the insurance. After the suspect key is insured, the car owner can not only enjoy the part of the compensation that should be borne by the insurance company according to the terms of the insurance; You can also enjoy the part of the compensation that should be borne by the car owner because he is responsible for the accident.

According to the different insurance objects, the deductible insurance can be divided into the basic insurance without deductible and the additional insurance without deductible, the owner should understand in detail when applying for insurance.

This clause[1] can be understood with reference to Article 17 of the Motor Vehicle Insurance Clauses, which stipulates that "according to the responsibility of the driver of the insured vehicle in the accident, the vehicle damage insurance and the third party liability insurance shall be absolutely exempt from odds." 20% for those who are fully liable, 15% for those who are primarily liable, 10% for those who are equally liable, and 5% for those who are secondarily liable.

That is, the compensation rate of the two main types of insurance in the event of an accident is not 100%, but according to the size of the insurer's responsibility in the accident, proportional compensation, for example: the insured vehicle that bears the main responsibility in the traffic accident can only receive 80% of the compensation amount that meets the requirements, and the remaining 20% must be borne by itself.

Therefore, it can be seen that if you have taken out "deductible insurance", you can receive 100% compensation in the event of an accident that is covered by the insurance.

Special insurance without deductible is a type of additional insurance. The insurer is responsible for compensating the part of the deductible amount that should be borne by the insured after the occurrence of an insured accident according to the deductible calculated according to the deductible stipulated in the terms of the corresponding main insurance policy.

The special liability of each type of basic insurance without deductible exists independently of each other, and the policyholder can choose to apply for insurance separately and apply different rates. Special insurance without deductible also has its own corresponding deductible part, such as the deductible odds of adding slag and rough deduction, the deductible of additional insurance, and the difficulty in determining accident liability. Generally, the insurance company will make a detailed and clear description of the "deductible" exclusion in the insurance clause of the insurance, and the car owner should carefully read and understand this part of the clause when applying for insurance to avoid unnecessary trouble when making a claim.

Legal Analysis: The definition of commercial auto insurance without deductible refers to the additional insurance of car damage insurance or triple liability insurance. It specifically means that after the occurrence of an accident, the insurance company will be responsible for compensating the part of the deductible amount that should be borne by the insured according to the deductible calculated according to the terms of the main insurance corresponding to the insurance.

Legal basis: Article 1213 of the Civil Code of the People's Republic of China.

If a motor vehicle is injured in a traffic accident and is the responsibility of the motor vehicle, the insurer who underwrites the compulsory insurance of the motor vehicle shall first compensate within the limit of liability for the compulsory insurance; For the shortfall part, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it.

Legal analysis: The so-called non-deductible insurance refers to the special clause without deductible in car insurance, which is a kind of commercial additional insurance. This type of insurance usually refers to a kind of insurance that the insurer is responsible for compensating for the part of the deductible that should be borne by the insured after the occurrence of the insured accident according to the deductible calculated according to the deductible stipulated in the corresponding main insurance clause.

Legal basis: Article 1213 of the Civil Code of the People's Republic of China If a motor vehicle is involved in a traffic accident and the damage is the responsibility of the motor vehicle, the insurer underwriting the compulsory insurance of the motor vehicle shall first compensate within the limit of the liability of the compulsory insurance; For the shortfall of the insurance contract, the insurer underwriting the commercial insurance of motor vehicles shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it. Walk next to the palace.

To put it simply, China's car insurance has a clear division of responsibility, unless it is 100% not responsible for lying down and being shot, the insurance company can only pay for 80% of the loss, and the remaining 20% needs to be borne by the car owner. And this deductible insurance is aimed at this situation, the 20% will be returned to the insurance company, and the car owner does not need to pay compensation.

Excluding deductibles, macro car insurance has a complementary effect on most of the current commercial insurance, and will have a relatively obvious effect in many kinds of accidents. For example, it is often encountered in daily life, the car was scratched with a key, there is no monitoring, and it cannot be found.

At this time, even if we buy car damage insurance, scratch insurance and other types of insurance, if we can't find a clear responsible party, the insurance company will only compensate for 80% of the loss, and we still need to pay some money. And if you buy deductible insurance, you don't have to pay for it, and the insurance company will pay for it.

"Deductible insurance", officially known as the special clause without deductible, is an additional type of car insurance, as long as the owner of this insurance is insured, the car owner can be responsible for the liability of 5 to 20 to transfer to the insurance company. Because this rider has comprehensive coverage and relatively cheap rates, it is very popular with car owners as soon as it is launched.

It usually means that after the car owner purchases this insurance, the car owner will transfer the deductible amount borne by the car owner due to the accident liability 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. Although the deductible insurance can transfer all the deductible amount borne by the car owner's accident liability to the insurance company, the deductible insurance is ineffective on the deductible odds, additional insurance waivers and the deductible odds of some specific accidents. Car owners should be aware of the exclusions from deductibles to avoid claims disputes.

Car insurance without deductible refers to the deductible in vehicle insurance, which is an additional insurance to the commercial insurance (car damage insurance or three liability insurance). Excluding deductible insurance, the insurance company will be responsible for compensation within the liability limit for the part of the deductible calculated according to the deductible calculated according to the deductible calculated in the terms and regulations of the main insurance that should be borne by the insured, regardless of the deductible insurance policy.

Categorical Terms. There are two types of deductible insurance: basic insurance without deductible and additional insurance without deductible.

1. The basic insurance without deductible clause is a supplement to the amount of deductible according to liability stipulated in the basic insurance, if the customer chooses to insure the basic insurance without deductible clause, then the insurance company will be responsible for compensating the part borne by the customer. However, as an additional insurance, it serves the main insurance, and the deductible part of the additional insurance cannot be compensated. For example, "Scratch Insurance" and "Theft Insurance" are additional risks.

In this case, consumers can consider purchasing "rider insurance without deductible" to pass on the risk.

2. The special clause of the additional insurance without deductible is similar to the special clause of the basic insurance without deductible, which is a supplement to the deductible amount of the additional insurance. However, in this case, there is also an "absolute deductible" in which the owner bears part of the cost, which is called the deductible odds.

In addition, according to the regulations, the insurance company also has the right not to pay compensation for accidents in which a third party cannot be found and the liability for the accident is difficult to determine.