Chuxian want to lose all "non-Mianpei and dangerous" to buy a whole

Mr Yip early this year to buy vehicle insurance, specifically the selection of a "non-Mianpei risk." He would like to, so that once their own cars Chuxian, get all the claims. However, earlier this month, his car Chuxian, the insurance company to bear his own 15% of the maintenance costs. Since Mr Yip has purchased "non-Mianpei dangerous", why can ultimately have to pay part of their own pockets? » PICC Property Insurance motor Ministry officials explained that this was because Mr Yip's "non-Mianpei and dangerous" not to buy the whole.

This reporter has learned that many owners believe that as long as the purchase of a "non-Mianpei dangerous," no matter under what circumstances can be compensation so that you can drive to reduce the maximum level of risk. In fact, is not the case.

"Excluding Mianpei and dangerous" is divided into two cases

Experts, "non-Mianpei risks" into "non-basic insurance Mianpei and dangerous" and "no additional risk of Mianpei risk." Mr Yip is to buy the "basic insurance excluding Mianpei dangerous", this is a additional provisions, if the insured the choice of this provision, then after the accident, the vehicle damage and third party insurance companies will bear the responsibility he should Bear part of the risk.

For example, Mr Yip drove to the accident, traffic police found him to bear 20 percent of the responsibility of the case, insuring the "non-Mianpei risk," he can not take responsibility and commitment to the insurance company. However, "non-basic insurance Mianpei and dangerous" as an additional insurance is the main risk services. Mr Yip insured by the "body scratches and dangerous" of additional insurance, "basic insurance excluding Mianpei dangerous" Mian Peishuai not part of their compensation. In this case, the owners may consider the purchase of "non-Mianpei additional risk insurance" to shift the risk.

Several "non-Mianpei dangerous" useless

This reporter has learned that not all insurance companies have "no additional risk of Mianpei risk." In addition, even if the owners bought a "non-Mianpei dangerous", the owners themselves are also part of the cost of the "absolute Mianpei." Insurance experts to remind the owners, must buy auto insurance when asked to suggest a re-purchase, or the insurance agent in accordance with your choice of models tailored for the insurance programme.

Need to remind that the following conditions, "non-Mianpei and dangerous" is non-functional. Such as when Che Sunxian by a third party should be responsible for compensation, and indeed can not find a third party; In addition, for violating safety regulations loading caused by the accident, insurance companies can also Jupei.