The odds of a basic category, free

   Usually the insurance clause is provided for accident claims deductible franchise, franchise and buckle, deductible. The insurance company claims in the process of calculation amount to the loss as the basis, to deduct deductible franchise and deductible franchise, according to the status of specific accident may be added to buckle a franchise, the last remaining indemnity is delivered to the owner.
    1, the responsibility of the accident franchise
    Firstly, the insurance company will according to accident liability owners in the calculation of indemnity, deduct a certain franchise, franchise owners usually full responsibility is 20%, the main responsible for the franchise for 15%, with responsibility and liability of franchise time is 10% and 5%, bicycle accident franchise for 20%.
    If the owners of car damage insurance and third party liability insurance are insured non deductible insurance, can the accident responsibility franchise all pass on to the insurance company, get a full indemnity. But the non deductible insurance is not effective for additional insurance insurance franchise. Usually some additional insurance are deductible franchise, such as the risk of spontaneous combustion and the no fault liability is provided with a 20% absolute 免赔率, guarantee and indemnity computation of owners in the purchase of these additional insurance to see these types of insurance clauses, more detailed, the owners to maintain their own insurance rights nature more reasonable.
    2, the deductible
    Some insurance items within a deductible, usually for 500 yuan of the following small car accidents are not claims. In fact, the insurance companies to set up the deductible is beneficial to the owners of the. First, the owners do not make claims for 500 yuan of the following car accidents, maintain their own claims blank record, can receive premium discounts on renewal. Secondly, some accident claims process can be quite tedious, the owners of a small claims consumes a lot of time and energy, was not worth it. But some owners require the insurance company to offer the most comprehensive service claims, even though the car accident again small also claims to the insurance company for the purchase, excluding the deductible special risks, although the car is much premium, but can enjoy the 500 yuan of the following small claims service.
    3, plus button franchise
    Usually buckle franchise refers to the insurance company for the specific accident conditions increase the odds of a free. Despite the provisions of the insurance company to add button franchise has each different, but often with buckle franchise execution conditions mainly concentrated in the owners repeatedly out, non designated driver's accident, as well as pilfer the claims process documents missing etc..
    (1) repeatedly
    When the owners several times at the time of the accident, the insurance company will increase the franchise claims at the time, through the deduction must indemnity, urge owners when driving to Caution. Of course, from another perspective, owners repeatedly be or get out of danger, that he driving technology is still inadequate, resulting in usually insurance accident probability than, should belong to the owners of negligence. The insurance company to add button indemnity, equivalent to offset what he should bear more premium obligation, as the owners in the one year period of claim too many times, when he renewal, the insurance company will ask him to pay more premium.
    Some owners will ignore the continuous danger plus button franchise, actually this kind of franchise sometimes sharply reduce customs claims. For example, if the car second times losing amount only 1000 yuan, even if the two at the time of the accident was added to buckle 5% deductible, perhaps the owner just get 50 yuan, but when the car accident unfortunately third loss amounted to 3000 yuan, the insurance company might want to add button 10% claims, car owners to receive 300 yuan indemnity.
    (2) agreed driver
    When the owners agreed to the driver when the insurance, can get the car damage insurance premium discount, however when non designated driving this car accident, the insurance company usually will increase 5% or 10% franchise. When the owners agreed to the driver of the insured, lock drivers, no doubt to indirectly reduce automobile probability, nature can enjoy preferential premium. When the non designated drivers, car probability natural increase, equivalent to the original owners in violation of policy agreement, the insurance company claims when appropriate increase in the franchise, or buckle a deductible, is conducive to the maintenance of justice claims.
    (3) driving range
    Some insurance products restrictions on vehicle driving range, namely when the car damaged in the left area km away from danger, the insurance company will usually increase in claims 10% franchise. This kind of insurance products usually price will be relatively low, if the owners drive usually in urban driving, rarely drove to the provincial business travel, consider insure against such risks, lighten the burden; if the owner likes weekend drove to the provincial tourism or often drive travel, should choose some of the driving range is not limited insurance coverage, to maximize the protection of their rights of claims.
    (4) claims documents do not
    When the car is stolen, the owner to insurance company claim for compensation, make sure you complete documents. Provisions of pilfer rush to deal with an emergency clause, when the owners lack of certain documents, insurance companies based in the calculation of indemnity in the implementation of the 20% absolute 免赔率 on, also increase the corresponding with buckle franchise. For example, they fail to provide the vehicle license the original invoice, purchase a car or vehicle purchase surcharge receipts, each lacks a, the insurance company will increase 0.5% franchise, the lack of car keys, the insurance company will increase 5% franchise.
    (5) specific accident specific
    The insurance company for certain traffic accidents, usually set a certain deductible franchise, the most common is not to find the third traffic accident. Unable to find the third traffic accidents are often difficult to accurately and objectively determine the actual accident liability when the owner's claim, the standard definition does not involve the accident responsibility may be owners, but by the insurance company independent set absolute 免赔率, even non deductible insurance is not effective for this type of franchise.
    The reason of this kind of accident insurance company set franchise single, mainly based on the moral risk aversion repeated claims of. As a result of the accident responsibility cannot be clearly determined, very few car owners will drill the loopholes in the claim, collect other car owners claim after the man-made accidents, claim to the insurance company, to achieve the dual purpose of payment. Secondly, this kind of accident insurance company to set up separate franchise, is conducive to the owners supervise each other in two car accidents, together with the traffic police department to complete the accident proof and accident process of judgment, so the claim rights owners can get reasonable accident guarantee, insurance companies pay adjustments can be more objective and fair.

   Two, the provisions of

   1, "motor vehicle third party liability insurance clause" (A) [PICC (2007) No. 1]

  Article ninthInsurance claims in the basic calculation according to the insurance contract, stipulated in the insurance policy within the limits of liability, according to the following franchise deductible:

  (a) negative secondary liability franchise was 5%, the negative equivalent accident responsibility exempts the odds of 10%, bear the primary liability franchise for 15%, bear all liability franchise for 20%;

  (two) in violation of regulations on safe loading, increase the franchise 10%;

   (three) designated driving people buy insurance, accident insurance for non designated driver using the insured motor vehicle, increase the franchise 10%;

  (four) the insured when running area, accident insurance in terms of travel outside the region, increase the franchise 10%.

   2, "motor vehicle third party liability insurance clause" (B) [PICC (2007) No. 2]

   Eleventh according to the proportion of liability accident drivers have negative in the accident, this insurance shall carry out corresponding: franchise accident liability in traffic accidents, people with negative total liability insurance vehicle driving, accident responsibility franchise for 20%, bear the main accident responsibility exempts the odds of 15%, the negative equivalent accident liability free secondary. At 10%, the responsibility for the 5% franchise.

   The twelfth time when the insurance accident occurs, in violation of laws and regulations relating to motor vehicle loading requirements, the implementation of 10% absolute 免赔率.

   The thirteenth time when the insurance accident occurs, the insurance vehicles travel region beyond the scope of insurance, 10% increase in the absolute 免赔率.

   Article fourteenth...... The designated insurance vehicle drivers, by non designated driving insurance vehicle insurance accident occurs, the designated driver or the insured provide information not true, for a 10% increase in the absolute 免赔率.

    3, "motor vehicle third party liability insurance clause" (C) [PICC (2007) No. 3] in sixteenth, seventeen, eighteen, nineteen, twenty have the similar provisions of section A, paragraph B.

   Three, the franchise calculation example

   1, when (in accordance with the contract approved third the amount of loss - making partial compensation limit per accident) is equal to or higher than the limit of indemnity liability ratio X:

   The X limit of indemnity claims (1- = every accident liability accident franchise) x (1- absolute 免赔率) - deductible

   In addition to all traffic accident compulsory insurance loss amounted to 200000 yuan compensation for personal injury as an example, if the car in the insurance coverage for 100000 yuan third party liability insurance. The main negative accident responsibility when the owners, the owners have to bear the loss of accident usually amount to 70%, equivalent to he shall bear the compensation of 140000 yuan, because the compensation liability limit has exceeded 100000 yuan. Therefore, the insurance company will deduct 15% franchise reduction in limit compensation 100000 yuan, compensation to the owners of 85000 yuan.

  2, when (in accordance with the contract approved third the amount of loss - making partial compensation limit) X accident liability ratio is lower than when the accident compensation limit:

   Indemnity = actual approved compensation X (1- accident franchise) x (1- absolute 免赔率) - deductible

　In addition to together double car collision accident insurance to pay strong external loss amounted to 1000 yuan as an example, if the car in the insurance coverage for 100000 yuan third party liability insurance. If the owner negative accident of main responsibility, usually the owner must bear the accident loss of 70%, equivalent to 700 yuan he should bear the repair costs, then the insurance company will deduct 15% franchise from the indemnity of 700 yuan in compensation to the owners of 595 yuan.