What is included in Ping An car insurance, what does it mean that Ping An car insurance does not inc

Auto insurance does not include the deductible clause, which refers to the special clause excluding the deductible, which means that the car owner will transfer the deductible amount borne by the car owner due to the accident liability to the insurance company after purchasing this type of insurance, and the car owner will receive more claims.

Although car insurance without deductible insurance can transfer all the deductible amount borne by the car owner's accident liability to the insurance company, the deductible insurance without deductible insurance is ineffective on the deductible odds and the deductible odds of some specific accidents. Car owners should know the scope of the exclusion of liability from deductible insurance to avoid claims disputes.

1. Deduction of free odds.

The terms of the car insurance stipulate that the coverage of the car without deductible does not include the deductible odds. Generally, the conditions for the implementation of the waiver are that the car has been in insurance for many times, the driver is not in danger, the car violates the safety loading regulations, and the increase in the free odds due to the lack of claim information of the car owner in the process of theft insurance claim. Since the deduction of deductible odds does not involve the deductible amount that the car owner should bear for the accident liability, it is naturally useless to them without deductible insurance.

Second, no third party accident can be found.

The insurance company sets up a separate absolute deductible for car damage accidents where no third party can be found, usually 30% or 50% deductible, but such deductibles are not covered by the car deductible insurance. Moreover, the reason why insurance companies set separate waivers for such accidents is to avoid the moral hazard of some duplicate claims.

Third, it is difficult to determine the responsibility for the accident.

When the two cars collided, the insurance company's loss adjuster did not have time to arrive at the scene of the accident, and some car owners drove the car away from the scene at will and privately negotiated to deal with the traffic accident. This makes it impossible for the insurance company to determine the accident liability of both vehicle owners from the traces of the accident scene. For this phenomenon of unclear accident liability, the insurance company can only give a separate deductible, usually 30%, as the basis for the claim for such accidents.

However, this kind of deductible odds is also difficult to bear without deductible insurance, after all, the deductible odds of this kind of accident do not involve the accident responsibility of the car owner, and it is naturally helpless to not count the deductible insurance.

Ping An Auto Insurance Tips: It is the duty of the car owner to assist the insurance company's loss assessor to do a good job of investigating the accident vehicle and the traces of the scene, so the car owner does not rush to negotiate and deal with the accident independently, and it is also very important to properly protect the accident scene.

What is included in car insurance without deductible.

Deductible usually refers to deductible insurance in vehicle insurance: it is an additional insurance to commercial insurance (car damage insurance or triple liability insurance). As an additional insurance, deductible insurance needs to be insured with the "main insurance" as the precondition for insurance, and cannot be insured separately.

The insurance liability usually refers to the part of the deductible amount that should be borne by the insured after the occurrence of an accident according to the deductible calculated according to the corresponding main insurance clause, and the insurance company will be responsible for compensation within the liability limit".

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 rolling shirt deductible odds stipulated in the main insurance clause of the corresponding insurance.

Ping An car insurance does not have a deductible.

What is the meaning? According to the network, the so-called deductible insurance is not counted.

Its full name is "Special Liability Insurance without Deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The specific deductible clauses of Ping An Auto Insurance are as follows:

The basic insurance does not include the special clause of the deductible odds.

Article 1 Insurance Liability.

After the occurrence of the insured event, the commercial third-party liability insurance shall be purchased according to the policyholder's choice.

Vehicle damage insurance or occupant liability insurance.

The insurer shall be responsible for compensation for the part of the deductible amount that shall be borne by the insured, or calculated according to the absolute deductible of the whole vehicle theft insurance.

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.

Article 2 Exemption from Liability.

The insurer is not responsible for compensation for the following amounts:

1) For violating laws and regulations.

the deductible amount increased in relation to the motor vehicle loading requirements;

2) Because the actual driving area of the insured vehicle exceeds the insurance policy.

the amount of the deductible increased by the agreed range;

3) The deductible amount increased due to the designated driver at the time of insurance application but the non-designated driver driving the insured vehicle at the time of the insured accident, and the increased deductible amount due to the untrue information of the designated driver provided;

4) The amount of the deductible increased because the third party should be responsible for compensation but the third party cannot be found;

5) The insured vehicle is stolen, robbed or snatched because the insured is unable to provide the motor vehicle registration certificate.

The deductible amount increased by the motor vehicle driving license, vehicle purchase invoice and other proof of motor vehicle origin, vehicle acquisition tax payment certificate or tax exemption certificate; The deductible due to the loss of the original set of car keys due to the theft of the entire insured vehicle;

6) The amount of pickpocketing exemption calculated according to the absolute deductible odds of the special clause of the multiple accident deductible clause shall be borne by the insured.

The rider does not include the odds waiver clause.

Article 1 Insurance Liability.

Upon special agreement, after the occurrence of an insured event, the insurer shall be responsible for compensating for the part of the deductible that shall be borne by the insured if the accident liability waiver and absolute waiver of the additional insurance chosen by the policyholder are calculated.

The special liability of each type of additional insurance without deductible odds exists as a whole, and the policyholder cannot choose to apply for insurance separately.

Article 2 Exemption from Liability.

The insurer is not responsible for compensation for the following amounts:

(1) The amount of the deductible increased due to the violation of the provisions of laws and regulations on the loading of motor vehicles;

2) The deductible amount increased due to the fact that the driving area of the insured vehicle is beyond the agreed scope of the insurance policy;

3) The deductible amount increased due to the designated driver at the time of insurance application but the non-designated driver driving the insured vehicle at the time of the insured accident, and the increased deductible amount due to the untrue information of the designated driver provided;

4) The amount of the deductible increased because the third party should be responsible for compensation but the third party cannot be found;

5) The amount of deductible that shall be borne by the insured based on the absolute deductible odds calculated according to the special clause of the multiple accident deductible agreement.

Car damage, three, seats, theft, spontaneous combustion, and scratches are all not counted without bucket burn compensation.

Excluding deductibles means that the insurance company has a 20% deductible for each loss accident, which means that 100 yuan is less than 20 yuan. If you buy without deductible, you will be fully compensated within your insured amount. It is recommended to buy insurance without deductible.

About headlights and reflectors, 100% compensation is possible.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"Pit the gods"

Summary. Hello, car insurance without deductible does not need to be purchased separately. After the 2020 car insurance reform, the deductible will be included in the coverage of car damage insurance, and car owners do not need to purchase it separately, as long as they purchase car damage insurance, they can enjoy the protection without deductible.

And excluding the deductible, it is an additional insurance and cannot be purchased separately.

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Hello, car insurance without deductible does not need to be purchased separately. After the reform of car insurance in 2020, the deductible will be included in the coverage of car damage insurance, and car owners do not need to purchase it separately, as long as they insure car damage insurance, they can enjoy the protection without deductibles. And excluding the deductible, it is an additional insurance, which Hanqing cannot buy separately.

There is no deductible, and Ping An Che Xiaodan insurance has not been canceled. After the comprehensive reform of motor insurance was officially implemented on September 19, 2020, the deductible was not cancelled, but it was directly included in the coverage of car damage insurance. Owners of large virtual vehicles do not need additional deductible insurance, and car damage insurance can directly enjoy deductible protection.

In addition, there are also vehicle theft rescue, engine wading insurance, spontaneous combustion insurance, glass damage insurance, third party no third party insurance, and designated repair shop insurance are also included in the scope of vehicle damage insurance, and no additional insurance is required.

No deductible insurance refers to the additional insurance of commercial insurance (car damage insurance or triple liability insurance). Regardless of the deductible insurance as an additional insurance, it needs to be based on the main insurance of the insurance as the premise, and cannot be insured separately, and its insurance liability usually refers to the fact that after the occurrence of an accident, according to the corresponding main insurance terms, it should be borne by the insured, and the insurance company will be responsible for compensation within the liability limit. Generally, if you have this type of insurance, you can transfer between 5% and 20% of your liability to the insurance company.

The special liability of the various basic insurances, regardless of the deductible odds, exists independently. Policyholders can choose to apply for separate insurance with different rates. Regardless of the deductible, special insurance also has its own corresponding deductible, such as deducting deductibles, additional insurance deductibles, and accident liability is difficult to determine.

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.

First of all, you must have the accident liability certificate issued by the traffic police, and secondly, you must have the traffic accident damage compensation mediation letter issued by the traffic police or the judgment of the people's court to claim compensation, and the insurance company can compensate for the following items:

1. Medical expenses: with a ticket, but drugs that are not related to the injury in this accident should be excluded. Within 10,000 yuan, compulsory traffic insurance will be paid. Excess third-party insurance coverage.

2. Hospitalization meal subsidy: number of days of hospitalization * business trip subsidy for local state agency staff (about 35 yuan a day).

3. Lost work pay: the average daily wage of the injured * (number of days of hospitalization + the number of days of rest required after discharge from the hospital issued by the doctor). If the monthly salary meets the standard of individual income tax, a tax payment certificate must be provided, otherwise it will be calculated based on the minimum living standard of the city.

4. Nursing expenses: daily wage of nursing staff * number of days of hospitalization. If the monthly salary meets the standard of individual income tax, a tax payment certificate must be provided, otherwise it will be calculated based on the minimum living standard of the city.

5. Transportation expenses.

6. If you become disabled and have been assessed, you can also pay disability compensation, and the compensation standard for different degrees of disability is different.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"