Insurance Bian Xiao helps you answer, and more questions can be answered online.

First understand the types of insurance: compulsory insurance and commercial insurance; Commercial insurance includes: three-person insurance, seat insurance, car damage insurance, burglary insurance, etc. Additional risks include deductibles, scratches, water risks (engine) and separate glass breakage = = = =. Excluding deductible (deductible): According to the relevant regulations of the China Insurance Regulatory Commission, the insurance compensation is generally 80%, and 20% (deductible) is borne by the driver himself. Excluding the deductible insurance is equivalent to transferring 20% of the risk to the insurance company! Generally, after you make a deductible, there is no deductible. In addition: if your car is damaged by a third party and the third party can't find it, the insurance company will only pay 70% of the loss.

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