Is it necessary to buy a no-deductible insurance for small cars?

[MacRhett]

It is necessary to buy a no-deductible insurance for small cars because it is a very practical supplementary insurance. The role of no-deductible insurance: After an accident occurs, the insurance company will usually calculate the deductible amount that the policyholder should bear according to the deductible rate specified in the main insurance policy. The insurance company will be responsible for compensation within the liability limit. After purchasing this insurance, the 5% to 20% liability for compensation that should originally be borne by the policyholder can be transferred to the insurance company. Precautions for no-deductible insurance claims: As an additional insurance, no-deductible insurance serves the main insurance. No-deductible insurance is only effective for the deductible rates of third-party liability insurance and vehicle damage insurance, transferring the deductible rate that the car owner should bear in an accident to the insurance company. However, additional insurances cannot interact with each other. No-deductible insurance cannot transfer the deductible rates of theft insurance, spontaneous combustion insurance, and no-fault liability insurance to the insurance company.