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汽车保险中的不计免赔是什么意思?

来源:http://www.sdrunao.com/ 发布时间:2020-04-03   发布人:admin
  奥迪专修告诉你,汽车保险中的不计免赔究竟是什么意思?你了解吗
  Audi special repair tells you, what is the meaning of no deductible in automobile insurance? Do you understand?
  不计免赔险都是有一定免赔金额的!例如车损险免赔15%、三责险免赔20%等等(举例而已,具体数据各保险公司不同)。
  There is a certain amount of deductible without deductible insurance! For example, 15% deductible for vehicle damage insurance, 20% deductible for three liability insurance, etc. (for example, the specific data are different for each insurance company).
  不计免赔险就是车辆出险,保证保险公司赔付损失的附加商业险种。
  No deductible insurance is an additional commercial insurance to ensure that the insurance company pays for the loss of the vehicle.
  举个例子
  For instance
  比如,出现单车剐蹭,报了“车损险”,修车花了1000元。
  For example, when a bicycle is scratched, it reports "car damage insurance". It costs 1000 yuan to repair the car.
  没买不计免赔险,保险公司会有一个免赔率,例如免赔15%。那么:1000-(1000*15%)=850,这个金额是最终赔付你的,而剩下的150元就是免赔金额,需要你自己承担了。
  If you don't buy deductible insurance, the insurance company will have a deductible ratio, such as 15%. Then: 1000 - (1000 * 15%) = 850, which is the final compensation for you, and the remaining 150 yuan is the deductible amount, which needs to be borne by yourself.
济南奥迪专修
  买了不计免赔险,保险公司就按照1000元赔付。
  The insurance company will pay 1000 yuan if it buys the non deductible insurance.
  需要注意没投保的部分、不在保险范围内的部分,和不计免赔是没关系的。并不是说买了一个不计免赔,就一切都保了。
  It should be noted that the uninsured and uninsured parts have nothing to do with the deductible. It doesn't mean that if you buy one without deductible, everything will be covered.
  比如车辆轮胎不在保险范围内,买了不计免赔,依然不保。
  For example, if a vehicle's tires are not covered by the insurance, no deductible will be charged if you buy them.
  各保险公司、各险种的“不计免赔率”都不太一样,也会有一些失效的情况发生(比如过于频繁出险),小伙伴们在上保险之前可以咨询清楚。
  The "no deductible ratio" of insurance companies and insurance types is not the same, and there will be some failures (such as too frequent risks). Partners can consult clearly before going to insurance.
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