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Data:2009-12-12 2:34
╿on the "absolute deductible"
Where owners said insurance companies under the provisions of 500 deductible, then the driver will inevitably lead to "just another ruthless hit a little" mentality. For this attitude, behavior in the industry believe that it is not rational. Even if the amount of compensation after the crash more than 500 yuan, for example, reached 800 yuan, but because of the absolute deductible system, you can get is only 800-500 = 300 dollars, it is called an absolute deductible to guard against is that moral hazard, so this 300 yuan vehicle consumers have to weigh enough to weigh.
╿Glass insurance cancellation gifts
People's Insurance salesman told reporters that the loss in the family own car insurance policy, the main increase in two: one that excludes the deductible and special provisions, and the other one is the risk of breakage of glass separate the terms. The change also is made of glass as a separate risk insurance for sale. Prior to the glass in risk are Che Sunxian gift. Glass insurance clause provides that: In the insurance liability, the insurance vehicle windshield or broken window glass alone, the insurance company to pay compensation. Manner in which the insured, the insured and the insurer may opt for imported or domestically produced in consultation glass insurance. According to reports, made of glass relatively small number of premium calculation formula for the amount of glass, all-risk insurance = × (one-thousandth of point 45).
