For the majority of car owners and friends, when we have a small car, we will basically buy car insurance for the car at the first time, after all, with car insurance, we can drive on the road with confidence. On the issue of buying car insurance, I believe that car owners often encounter various problems, such as which car insurance is more appropriate to buy, how much is better to buy three insurances, etc. It can be said that car insurance is not only of little use but also spends more money. The author remembers very clearly, before a car friend bought a car to the car to buy traffic insurance, car damage insurance, three insurance, etc., and even bought no deductible insurance, I think that after the vehicle traffic accident, there will be an insurance company to bear all the responsibility, I don't know in the end it is still insured to the routine. It's like saying that buying 3 million sodas in the three insurances is also a pit, when the owner personally experiences it, tell you that the car insurance should be bought like this!
It turned out that the rider bought 3 million three insurances, including deductible insurance, but due to a road rear-end accident, in addition to crashing the rear of the front car and collapsing, it also caused small damage to the passengers in the front and rear rows, and fractured the arm due to fright. When the traffic accident occurred, the owner of the car thought that he was relatively lucky, did not cause more serious harm to the other party's personnel, and he also purchased 3 million three insurance and no deductible insurance. However, when settling the corresponding accident claim to the other party, the damage to the other party's vehicle is paid through the three insurances and no deductibles, but in the other party's personnel claim, the insurance company did not pay in full, and he still undertook a certain amount of medical compensation, it is reasonable to say that the three insurances and the deductible insurance are bought, why is there still insurance not fully claimed?
Subsequently, the rider specially studied the claim terms of the car insurance, and found that he was finally tricked by the car insurance, and the original insurance clause clearly wrote a provision for medical insurance external drugs. So what are Medicare exclusionary drug provisions? In fact, this can be understood as an additional insurance of the three insurances, although in the traffic accident caused by the injury of the other party, and some drugs and services used by the patient during the hospitalization, although the insurance company gives compensation, but if the patient uses drugs outside the scope of medical insurance in the treatment process, such as imported drugs, the insurance company cannot give claims. Therefore, even if the owner of the car has purchased 3 million three-way insurance, as well as deductible insurance, but in fact, when treating the patient with a claim, he uses medication outside of medical insurance, and the owner needs to pay out of his own pocket.
It is not difficult to find out here as a car owner that the three insurances of 3 million and the deductible insurance are actually a pit, it sounds like the insurance claim amount is as high as 3 million, and there is a special deductible insurance as an auxiliary, but in fact, the owner of the car still has to face the risk of paying each other for the patient's claim. Since it is said that the three insurances buy 3 million yuan and do not count the deductible is a pit, how can car owners buy car insurance to avoid such risks? In fact, of course, there is a method, that is, car owners take the initiative to ask for the purchase of medical insurance external drug liability insurance while purchasing car insurance, and this insurance is not expensive, basically it is the cost of dozens of dollars. Maybe some car owners are going to ask questions, since it is said that the medical insurance external drug liability insurance is tens of dollars, why doesn't the insurance salesman recommend it to the car owner? In fact, there is a hidden mystery in this.
Car owners should be able to understand such a truth, for insurance companies, like those with high insurance rates and low yields, do you think the insurance company or salesman will recommend it to you? Usually when handling car insurance for the car, the salesman only cares about the traffic insurance that must be bought, and recommends you to buy car damage insurance, three insurance, seat insurance, and no deductible insurance, etc., and the owner of the car will think of buying a medical insurance external drug liability insurance. Therefore, for the majority of car owners and friends, when you are buying car insurance for your car, you must take the initiative to ask and buy a medical insurance external drug liability insurance, after all, it is a matter of dozens of dollars, once a serious traffic accident leads to the accidental injury of the other party, even if more expensive imported drugs are used during the treatment period, there will still be insurance companies to pay in full, as a car owner, why not enjoy it?
The above is about the analysis of the three insurances to buy 3 million is also a pit, if you read this article feel useful, you may wish to remember to collect likes and forward to the car owner friends around ha!