How to compensate for deductibles: Analysis of hot topics on the entire network and structured data
In the past 10 days, among the hot topics on insurance claims across the Internet, "How to compensate for the full liability without deductible" has become the focus. This article combines hot content and structured data to analyze the compensation rules for this insurance clause in detail.
1. What is the total responsibility and deductible?
The full liability is not included in deductible is an additional insurance in auto insurance. When the insured bears full liability for the accident, the deductible amount set by the insurance company can be exempted and the full compensation can be obtained.
2. Hot topics across the Internet
Based on data analysis of 5 hot topics in car insurance claims:
| Ranking | Hot lot topics | Discussion volume (10,000) |
|---|
| 1 | How to settle claims after the deductible insurance is cancelled | <653>
2| Full responsibility accident claims process | 421 |
| Different insurance companies' claims standards | 387 |
| 4 | Identification and prevention of fraudulent bicycle insurance | 298 |
| 5 | Comparison of claims efficiency for large companies such as PICC and Ping An | 256 |
3. Deductible compensation standards for installation
There are differences in the compensation standards for all liability and deductibles:
| Insurance companies | Full compensation ratio | Free payment (yuan) | Special Terms |
|---|
| Chinese Insurance | 100% | 500Limited liability accident |
| Peace of China | 100% | 0378 | Bypass abetina |
| Pacific Insurance | 85-100% | 300-1 Racine | By accident type
| Earth Insurance | 95% | 700 | Complete evidence is required |
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4. The process of applying for full responsibility is not subject to deductible
Excess
1. Report insurance within 24 hours after the accident
2. Provide an accident responsibility identification letter issued by the traffic management department
3. Submit complete claims materials (including but not limited to):
| Material Type | Specific requirements |
|---|
| Claim application form | Fill in full and sign |
| Driver's license | Copy with official seal |
| Repair invoice | 4S shop or regular repair shop | Loss list | Must be listed in detail |
4 Dion5. Waiting for insurance companies to verify damage
6. Confirm the amount of compensation
5. Popular claims dispute cases
Three typical claims disputes that have attracted much attention from the recent equest:
| Case type | Controversy Focus | Processing results |
|---|
| Full responsibility but refused compensation | Driver drunk driving | Court ruled that insurance company wins |
| The full responsibility application was rejected | Not reported in time | Payment at a rate of 70% |
| Dispute not subject to deductible | Disagreement of insurance terms | Full compensation after mediation |
64. Expert advice
1. Carefully read the terms and conditions of the insurance contract regarding the exclusion of deductibles
2. Conspicuously preserve all evidence after the accident
3. If there is a claim dispute, you can call the 12343 Insurance Consumer Complaint Hotline
4. Consider purchasing supplementary commercial insurance and improve the coverage
Through the above structured data and case analysis, I believe you have a more comprehensive understanding of "how to compensate for the full responsibility without deductible". It is recommended that car owners reasonably compare the terms of different insurance companies many times based on their own glass conditions and choose the most suitable insurance plan.
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