The owner for non deductible insurance four without compensation

   Although non deductible insurance can be deductible amount accident liability owners undertake all passed onThe insurance company, but non deductible insurance on the plus button franchise, franchise and certain additional insurance accident franchise is not utility. The owner should know the non deductible insurance except responsibility, avoid claims disputes.

1, plus button franchise

    Automobile insuranceClause, non deductible insurance claims range does not include the plus button franchise. Usually put the implementation conditions of buckle franchise is car several times, non designated driver out of danger, car security breach loading provisions, in pilfer the claims process because the owners lack of claims data and result in an increase in the phenomenon of franchise.In fact, these buckle franchise is due to violation of some owners contract or its driving technology does not pass,InsuranceThe company to increase the franchise, convenient warned owners drove to Caution! First.But with buckle franchise did not involve the deductible amount owners should bear the responsibility of accident, non deductible insurance naturally on their no use.

2, additional insurance franchise

   Insurance experts explained, non deductible insurance as an additionalType of insurance, is mainly insurance services. Non deductible insurance only on the third party liability insurance andCar damage insuranceFranchise effective, will be the responsibility of owners of the accident should bear the franchise transfer to the insurance company, but the additional risk is not between the interacting, non deductible insurance cannot daochengjian, risk of spontaneous combustion and the no fault liability insurance franchise transferred to the insurance company.An insurance expert explanation says, because the third party liability insurance and car damage insurance claims of limited scope, failed to cover certain accident claim, and the insurance company will set up additional types corresponding, complementary main automobile insurance claims surface defects. But this is not equal to the interaction between the additional risk, in fact, additional types are mutually independent, non deductible insurance franchise on additional risk is not effective.

3, can not find the third accident

   The car accident insurance company looking for less than third of the establishment of a separate deductible franchise, franchise is usually 30% or 50%, but this type of franchise is not belong to the non deductible insurance claims range.An insurance expert explained, because it can not find the third traffic accidents, are often difficult to objectively determine the actual accident responsibility as owners, the owners will not claim standard liability accident as claims of reference, so the non deductible insurance is not effective for this kind of accident of franchise.And the insurance company has to this kind of accident individually set franchise, moral risk is to avoid certain repeated claims. After all, few owners in the double car collision accident, the first collection of other car owners claim, then made with single vehicle accident, a claim to the insurance company, to achieve the dual purpose of payment; secondly the insurance company to this kind of accident to set up separate franchise, indirect urge owners monitor each other in the face of double car collision accident, together with the police department to complete the accident proof and accident process of judgment, this is the owner maintains the good method of maximizing the interests of their own claims.

4, the responsibility of the accident to determine

   When two cars collided, some owners in the absence of the scene of the accident damage, the car left the scene, the mutual agreement to deal with traffic accidents. When the surveyor to the scene, but can not determine the responsibility of the owner of the accident from the scene of the accident. At this time, some insurance companies say not clear phenomenon also give a separate franchise for the accident responsibility, usually 30%, but this type of franchise is non deductible insurance to bear this kind of accident, after all, franchise is not involved in car accident responsibility, non deductible insurance natural helpless.Sometimes the owners in the negotiation process of handling traffic accident, failed to shoot photos or draw accident accident tire marks, the car left the scene, the insurance company is difficult to accurately judge the accident responsibility; or one owner think car damage is very small, then left the scene, leading to another owner failed to assist the two car accident insurance company the damaged car. When the insurance company will take separate franchise, as the basis of accident claims.The insurance expert reminds say, assist the surveyor to survey the accident vehicle and scene trace is the owner's responsibility, so the owner is not busy handling the accident emergency consultations, properly protect the accident site is also very important.

5, would not forget the "non deductible amount of special risks"

   Some insurance items within a deductible, usually minor damage to 500 yuan of the following is not to make claims. A car insurance experts told the author, insurance companies set deductibles, is beneficial to the owner.First, the owners do not make claims for 500 yuan of the following car accidents, maintain their own claims blank record, for the enjoyment of the renewal of insurance premium discounts. Secondly, when some accident claims procedures cumbersome, perhaps some owners unwilling to small claims and labor.Again, when the insurance companies are no longer small claim cases costs a lot of manpower and resources, can make more power to perfect the insurance services, the owners can enjoy more instead of insurance services.Finally, the owners have greater choice in the purchase of insurance. If some owners for some small car accidents require insurance companies to claim, can buy at about quota by special insurance; premium, enjoy the most comprehensive service claims; if some owners are reluctant to spend time for small claims, than the need for excluding deductible special risks, can also save a sum premium.