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当出现赔款时,对于赔多少、如何赔,不同的人有不同的理解,特别是在目前国内保险公估人制度还不完善的情况下,大多数赔案都由保险人单方完成,计算赔款时难免会产生意见分歧。因此,保险公司更要本着公平、公正以及对客户负责的态度,正确计算赔款金额,维护客户的利益。 产险业务中,包括财产、机损、责任及运输险都可能在承保条件中订出一个免赔额或免赔率。当发生保险责任范围的损失时,就要从损失金额中扣除免赔金额,以提高投保人的防灾防损意识。通常保单是这样规定的:每次事故免赔×元（免赔
When there is compensation, the compensation for how much, how to pay, different people have different understandings, especially in the current system of domestic insurers is not perfect, most of the claims are completed by the insurer unilaterally, calculate the compensation It will inevitably lead to differences of opinion. Therefore, the insurance company should, in a fair and impartial manner and in a responsible manner, correctly calculate the amount of compensation and safeguard the interests of its clients. Property insurance, machine damage, liability and transportation insurance may all be subject to underwriting conditions with a deductible or deductible. When a loss of insurance coverage occurs, it is necessary to deduct the deductible amount from the amount of loss so as to raise the awareness of disaster prevention and loss prevention of the applicant. Usually the policy is provided for: Each accident deductible × × (no compensation