Is No Deductible Coverage Unavailable Without Purchasing Vehicle Damage Insurance?
4 Answers
If you do not purchase vehicle damage insurance but have third-party liability insurance, you can still buy no deductible coverage. No deductible coverage can only be purchased as an add-on to commercial insurance and cannot be sold separately. Below is relevant information about auto insurance: 1. No Deductible Coverage: No deductible coverage is an add-on that requires a 'primary insurance' as a prerequisite for purchase and cannot be bought independently. Its insurance liability typically refers to 'after a special agreement, in the event of an accident, the portion of the deductible amount calculated according to the deductible rate stipulated in the primary insurance policy, which should be borne by the insured, will be covered by the insurance company within the liability limit.' The process for no deductible coverage is the same as that for regular insurance claims. 2. Vehicle Damage Insurance: Vehicle damage insurance under auto insurance is a commercial insurance and is voluntary to purchase. Vehicle Damage Insurance: When the insured or an authorized driver causes an insurance accident while driving the insured vehicle, resulting in damage to the insured vehicle, the insurance company will compensate within a reasonable range. Common types of vehicle damage include collisions, overturning (rollover), and natural disasters (such as hailstorms, heavy rain, explosions, etc.).
I've been driving for over twenty years and have extensive experience with insurance. Regarding the zero deductible coverage, it's mainly an add-on to the vehicle damage insurance. Vehicle damage insurance covers the loss of your own vehicle, such as repair costs after a collision or natural disaster. When the insurance company settles a claim, they deduct a deductible, usually a few hundred yuan, which you have to pay out of pocket. The zero deductible coverage helps cover this deductible, making your out-of-pocket expenses almost zero when filing a claim. However, if you don't purchase vehicle damage insurance, there's no base for the add-on coverage—it naturally can't exist. It's like building a house without a foundation; without vehicle damage insurance, how can there be an add-on? I recommend that new or high-value cars should still have vehicle damage insurance for safety. Otherwise, repair costs after an accident might be overwhelming. Even if you want to save money, you need to weigh the risks.
When I first got my driver's license and bought my first car, I was completely clueless about insurance. It wasn't until I asked at the dealership that I learned the non-deductible coverage is an add-on tied to the vehicle damage insurance. The vehicle damage insurance covers repairs for my own car in case of an accident, but the insurance company always deducts a certain amount (the deductible) when paying out. That's where the non-deductible coverage comes in to fill that gap. However, you can't even choose this add-on if you don't purchase the vehicle damage insurance. The agent explained that non-deductible coverage can only be attached to specific primary insurance policies—how can you attach something without a primary policy? I've gotten smarter now, and next time I buy insurance, I'll make sure to understand the primary and secondary relationships. If I don't insure for vehicle damage and only get third-party liability insurance, those policies only cover others' losses, leaving my own car's damages uncovered.
From a cost-saving perspective, I carefully calculate every time I buy insurance. The deductible waiver is indeed quite practical, as it can save me from paying the few hundred dollars out-of-pocket during a claim. However, it must be attached to the vehicle damage insurance to take effect. If you don’t have vehicle damage insurance, this option is completely off the table because there’s no base coverage. Vehicle damage insurance covers the cost of repairing your own car—without it, the insurance company won’t even consider processing a claim. In the event of a minor accident, you’d have to pay for repairs out of pocket, which would be a much bigger loss. While I usually avoid non-essential coverage options, I don’t recommend cutting out vehicle damage insurance—the risk is simply too high.
