Zhengzhou cross strong insurance insurance: what is non deductible special risks?

China's "insurance clause" the seventeenth stipulation: "according to the liability insurance vehicle drivers are negative in the accident, the vehicle damage insurance and third party liability insurance the deductible franchise. Deductible 20% negative total liability, deductible 15% primary responsibility, equal responsibility for the negative 10% franchise, franchise 5% negative secondary responsibility." The two main categories: at the time of the accident compensation rate is not 100%, but according to the insured persons in the accident responsibility size, proportional compensation, for example: Insurance vehicles bear the main responsibility in the traffic accident, can only receive the amount of compensation shall comply with the 80%, the remaining 20% be self responsible.

Insurance against loss of vehicle and three party liability insurance vehicle such as an accident not within the insurance deductible special risks, caused by loss of vehicles (excluding robbery) or third party liability, the insurer on the basis of insurance compensation specified amount for compensation. If the owner purchased non deductible special risks, then the provisions in the law, after insurance accident happens, according to the commercial third party liability insurance, the vehicle damage insurance or liability of the personnel on the car accident liability odds choice the insured, or in accordance with the whole car robbery insurance deductible franchise calculation, should the deductible amount shall be borne by the insured, the insurance company responsible for compensation. Basic coverage of all types of irrespective of percentage special responsibility to each other, the insured can select separately insured, and is applicable to different rates.

In simple terms, as long as the owners for this insurance, can put this should be responsible for their own 5%~20% of the liability to pay compensation to pass on to the insurance company.

Zhengzhou cross strong insurance insuranceComment.

Non deductible special risks that achieved 100% coverage, responsible for compensation is deductible amount themselves insurer in car insurance and third party liability insurance shall be borne by the. Because of this additional risk safeguard the overall, while the rate is relatively cheap, so a launch is owners welcome. Car owners to purchase this insurance in the insurance, the owners because the deductible amount accident responsibility to the insurance company, the owner receives the claim amount will be more. Buy non deductible special risks, can decrease the owner's losses to a minimum.

Note that, there are some conditions, shall be deductible amount shall be borne by the insurer, the insurer shall not be liable for:

1 motor vehicle insurance should have third responsible for but couldn't find the third party;

2 because of Weifang's security in the provisions to increase;

3 insured according to the provisions of relevant laws and regulations to choose negotiation to deal with traffic accidents, but can not prove that the cause of the accident;

The specified driver 4 insurance, accident insurance for non designated driver using the insured motor vehicle increases;

5 insurance, driving regional, accident insurance in terms of travel outside the region and increased;

6 for many times occurred within the insurance compensation insurance increased;

7 additional clauses in the regulations.

If you need a car to pay travel tax and insurance auto insurance of words, can contactZhengzhou cross strong insurance insuranceI, you can get large insurance fee discount, you can call 13183002867 to contactZhengzhou cross strong insurance insurance.

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