投保人要想得到全额赔偿，前提条件是只要购买“不计免赔附加险”。

If the insured wants full compensation, the prerequisite is to purchase "no deductible additional risks".

实践上投保了不计免赔险，也不是必定就可以取得全额理赔。

In practice, insurance is not deductible, nor is it possible to obtain full compensation.

稳妥公司为了防备“道德危险”，会对一些特定的事端，定出独自的免赔率，这些免赔率是不属于不计免赔规划的。如屡次出险、超规划行驶、理赔证件不全等等，稳妥公司会加扣免赔率。

In order to prevent the "moral hazard", the company will set a special exemption for some specific events, which do not belong to the claim free plan. If there are repeated risks, *** planning, incomplete claims, etc., the company will deduct the franchise.

关于找不到第三者的事端，稳妥公司一般以为难以客观断定当事车主的实践事端责任，其理赔规范无法将车主事端责任作为理赔参阅依据，所以稳妥公司设定了特别的加扣免赔率。

As for the failure to find the third, the company generally thinks that it is difficult to objectively determine the responsibility of the owner of the car, and its claim can not be regarded as the basis of the claim, so the company has set a special rate of exemption.

误区四：定损、修补、理赔不分居

Misunderstandings four: fix, repair, and claim not to be separated

简直***车主都以为，和4S店联合定损就是实践的维修费，也是稳妥理赔的金额。

Almost all owners think that joint damage with 4S shop is a practical mainenance fee, and it is also the amount of a safe claim.

实践上定损是稳妥公司的程序，之所以和修配厂联合定损，是因为稳妥公司不是万的，它要听取4S店的定见。

In practice, fixing the damage is a safe procedure for the company. The reason is that the company is not a panacea. It must listen to the opinions of 4S shop.

4S店不能左右定损额度，稳妥公司会归纳各方状况后，给出合理的定损额度，定损一旦完成，理赔额度也根本断定了。

4S store can not be left and right limit, the company will conclude the situation after the parties, give a reasonable quota, once the completion of the loss, the amount of claim is also fundamentally determined.

至于怎么修补已与稳妥公司无关，由车主和修配厂来决议，实践修车费用视车主要求可能高于或低于定损额度，甚至修车地点也可能不是帮忙定损的厂家。

As to how to repair the company has nothing to do with the company, the car owners and the repair factory to the resolution, the practice of car repair costs may be higher or lower than the limit, or even the location of the car repair may not help the manufacturer.

误区五：托付修补厂理赔

Misunderstanding five: pay a claim for a repair factory

许多车主为了避免费事，发生事端后不与稳妥公司直接联络，就将理赔全权托付给较为了解的修补厂。这样做虽然挺简单，但也存在不小的危险。

In order to aoid any trouble, many owners do not conact the safety company directly after the accident happens. They will be enrusted to the more familiar repair works. Although this is quite simple, there is also a great danger.

一些规划小、资质差的修补厂往往使用客户的信任，用廉价的零部件为客户修补，以高价的零部件向稳妥公司索赔，这样修补厂就可以获取不同零部件之间的差价。

Some small planning, poor quality repair plants often use customer trust, use cheap parts to repair customers, claim high price components to the firm, so the repair plant can get the difference between different parts.

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