Is No-Deductible Coverage Unavailable Without Vehicle Damage Insurance?

[LaSawyer]

No-deductible coverage is not available without vehicle damage insurance, but you can opt for other types of insurance, as no-deductible is an add-on to the primary coverage. Similarly, if you don't purchase vehicle damage insurance, there's no need for no-deductible coverage since it's only an add-on to specific insurance types. Without vehicle damage insurance, the corresponding no-deductible coverage for vehicle damage simply doesn't apply. Below is relevant information about no-deductible coverage: 1. Definition: No-deductible typically refers to the no-deductible coverage in auto insurance, which exists as an add-on to vehicle damage insurance, third-party liability insurance, passenger insurance, comprehensive theft insurance, and spontaneous combustion insurance. 2. Proportion: If this coverage is not purchased, claims will be subject to deductions based on fault levels: 20% for full responsibility, 15% for primary responsibility, 10% for equal responsibility, and 5% for secondary responsibility.