Why is the non-deductible clause for third-party liability in auto insurance no longer available?

[GemmaLynn]

The non-deductible clause is no longer charged separately but has been incorporated into the auto insurance coverage. According to the 'Guiding Opinions on the Implementation of Comprehensive Auto Insurance Reform,' under the principle of not significantly increasing consumers' premium expenditures, the industry is supported in expanding the scope of commercial auto insurance liability coverage. The industry is guided to include the main clauses of the motor vehicle demonstration product's vehicle damage insurance in the existing insurance liability coverage. Below is a detailed introduction to commercial auto insurance: 1. Vehicle Damage Insurance: Covers losses caused by natural disasters and accidents to the vehicle itself. Recommended for new drivers. 2. Third-Party Liability Insurance: Covers losses caused by the policyholder to third-party personal injuries or deaths. This is mandatory as it provides protection for both the policyholder and others. 3. Non-Deductible Clause: An additional insurance that transfers the policyholder's liability to the insurance company, reducing the policyholder's losses. It is advisable to purchase this if both Vehicle Damage Insurance and Third-Party Liability Insurance are bought. 4. Theft and Robbery Insurance: Covers damages caused by theft, robbery, or hijacking of the vehicle. Recommended for owners without a garage. 5. Passenger Liability Insurance: Covers losses suffered by the driver and passengers due to traffic accidents. Premiums are usually paid per seat. Recommended for new drivers or family vehicles. 6. Spontaneous Combustion Insurance: Covers losses caused by fires due to the vehicle's own electrical or wiring issues. Suitable for older vehicles. 7. Glass Breakage Insurance: Covers the separate breakage of windshield and window glass. Since replacing glass can be very expensive, it is recommended for vehicles frequently driven in unsafe areas. 8. Scratch Damage Insurance: Covers losses caused by intentional, malicious, or accidental scratches during driving.

[VonAngelina]

I used to be confused about the 'non-deductible' clause when buying car insurance. Later I learned that after the auto insurance reform, third-party liability coverage already includes deductible protection by default, without needing additional riders. Insurers usually incorporate this cost directly in their quotes, and you can find the compensation details in the policy terms. Some friends with older policies might still see it listed separately, but newly issued policies generally have it integrated. If you're concerned about coverage gaps, you can check your policy details or call the insurer's customer service to confirm. After all, since third-party insurance covers the other party's losses, having the insurer assume the deductible portion is crucial. Actually, this integration makes insurance purchases more straightforward, saving us the trouble of figuring out these piecemeal add-ons.

[RiverLee]

I've had similar confusion before. Nowadays, third-party liability insurance quotes generally bundle the no-deductible coverage, unlike before the reform when it had to be selected separately. Insurers default to including the deductible waiver in the main policy price. After receiving your electronic policy, you can check the detailed terms. I particularly recommend reviewing the 'Claims Settlement' section, which should clearly state 'no deductible rate'. Last time, my neighbor found out it was indeed included when reviewing the policy, which gave him peace of mind. The key point to remember is: as long as you have standard third-party insurance, the insurer will cover the full amount when you're liable for damages in an accident, without you having to pay the deductible portion.

[DiCody]

I've checked this issue for my colleague. Since the comprehensive auto insurance reform, the third-party liability insurance automatically includes the no-deductible coverage, so it's normal that you can't find a separate option. The insurance company has already included the deductible rate liability when issuing the policy, and the price has been adjusted accordingly. I recommend logging into the insurer's APP to check the electronic policy - there's usually a note about 'no-deductible rate coverage' in the insurance liability section. Note that special additional riders like absolute deductible clauses require separate purchase, while ordinary third-party insurance deductibles are now covered by the main policy. If you're still unsure, the safest approach is to directly ask customer service for a screenshot of the policy terms.