Under what circumstances is the non-deductible clause used in insurance claims?

[RonanLynn]

In the following situations, the non-deductible clause is required for insurance claims: 1. Main insurance non-deductible: Motor vehicle damage insurance, third-party liability insurance, passenger liability insurance, and motor vehicle theft insurance. 2. Additional insurance non-deductible: Spontaneous combustion loss insurance, standalone body paint damage insurance, and water damage insurance. 3. Friendly reminder: The non-deductible clause will not take effect under the following circumstances. Multiple insurance incidents occur during the insurance period. Unable to locate a third-party responsible party. Violation of safety loading regulations. Self-negotiated settlement without proof of the accident cause.