If the car has been insured 5 times, Ping An Insurance, the insurance cost in the second year, will

Car insurance 5 times, Ping An insurance, the second year of insurance up to 30%, there is a possibility of refusal.

If the vehicle owner has not been involved in a traffic accident in the previous year, the premium can be reduced by 10%; if it has not occurred for two consecutive years, it will be reduced by 20%; If it has not occurred for three consecutive years or more, it will be reduced by up to 30%; On the contrary, if there are two or more traffic accidents with liability in the previous year, it will increase by 10%; In the event of a fatal accident attributable to liability, the maximum increase is 30%.

There is no discount for the first purchase of compulsory traffic insurance, such as no accident in the first year, 10% discount in the second year, no accident in the second year, 20% discount in the third year, no accident in the third year, and 30% discount in the fourth year. The maximum discount is 30%.

The ** of compulsory traffic insurance is related to many factors. There may be a difference between the first purchase and the second purchase**. The first purchase of compulsory traffic insurance, the ** of compulsory traffic insurance is related to the model.

According to the relevant regulations of compulsory traffic insurance, the basic premium of compulsory traffic insurance is different for different models. However, for the same model, the whole country implements unity**.

The formula for calculating compulsory liability insurance is: basic premium (1 + floating rate linked to road traffic accidents) (1 + floating rate linked to traffic safety violations).

There are three main types of situations in which you may experience car insurance denials:

Object 1: High-risk vehicles that have been insured multiple times.

The reason for the insurance company's refusal is to avoid business risks, and customers with a large number of insurance trips are classified as high-risk customers, and insurance companies will generally adopt the practice of significantly increasing premiums or "refusing insurance".

Refusal of insurance object 2: **luxury car.

The reasons why luxury cars are often denied insurance are also quite simple, the repair cost is too expensive, the loss ratio is too high, and the repair ** often ranges from hundreds of thousands to millions. If a luxury car worth millions or even more than 2 million yuan is insured, it will cost hundreds of thousands or even hundreds of thousands of yuan, and the premium of car damage insurance is only tens of thousands of yuan.

Refusal of insurance object 3: elderly cars.

For cars with a long service life, insurance companies have adopted a "stay away" attitude, although there is no limit to the service life of small private cars, but it will be difficult for older cars to purchase car insurance. Not much, for the identification of elderly cars, different companies range from 7 to 15 years, and the same insurance company also has different internal regulations in different regions.

The main reason for refusing to insure elderly cars is that the car equipment parts tend to be aging and easy to be damaged, and at the same time, the owner's degree of cherishing is reduced, and the probability of insurance is larger, so that the underwriting risk is larger, and it is easy to induce moral hazard such as "insurance fraud", therefore, most insurance companies have restrictions. On the other hand, as the speed of car replacement continues to accelerate, the shortage of spare parts is very common, resulting in a surge in maintenance costs.

Insurance companies generally do not refuse insurance, and there are particularly serious cases. Ping An is that you have been out of danger 8 times this year, and it will pull you into the blacklist. Then the next time you go and buy it, it's half as expensive. In your case, it will be more expensive to insure, but not much.

Hehe, big brother, first of all, I sympathize with your situation, I am safe in China, your situation is generally nothing, the first year of underwriting, your car is out of insurance 5 times, it doesn't matter It's just that the discount for the second year is gone, generally if the first year is safe and sound, the second year is reduced by 10%.

No one wants to be in danger! You're in danger yourself! In addition to the loss of oneself in the insurance, it is also very large!

Because no one knows if they will always be lucky! Only buy full insurance to give yourself a protection! It's not fair to be rejected if you have too many risks!

There are losses and gains in business! As long as you make money overall! If you have more insurance, you will be rejected in the second year, which is really a heavy blow to the driver!

It is only reasonable to increase the premium!

Yes, if it is more than 3 times, it will face the problem of denial of insurance in the following year, 5 times, hehe.

Ping An's insurance premium for the second year can be to Ping An's ****!

Is it true that a ten-year-old car refuses to be covered by damage insurance? And if you don't tell the owner of the car after being refused, who will be held responsible if there is an accident?

Under normal circumstances, the insurance company allows 3 times of insurance, and more than 3 times will not be renewed.

However, it is necessary to analyze the specific problem on a case-by-case basis, because some companies also need to look at the amount of compensation, and if it is not too high, it will also be underwritten.

However, if there are more times or more amounts, some companies will cover by increasing the policy premium for the current year.

Different insurance companies have different standards for refusal of insurance, and sometimes the credit status of the policyholder will also affect the insurance application.

There is no clear rule that insurance will be denied, but many insurance companies do not accept these cars that appear too much.

It will not be denied a few times, but the premium will increase next year.

Some insurance companies start to refuse insurance after 4 times.

Behind the Mpemba phenomenon, a cup of cold water and a cup of hot water are placed in the freezer compartment of the refrigerator at the same time, which glass of water freezes first? "Of course the cold water froze first! "I believe that many people will not hesitate to do this.

Unfortunately, this answer is wrong. The mistake was discovered by Mpemba, a junior high school student at Magamba Middle School in Tanzania, Africa. One day in 1963, Mpemba found that the hot milk he kept in the freezer of his refrigerator froze before the cold milk of his classmates.

This puzzled him, so he immediately ran to the teacher and asked for advice. The teacher said easily, "You must be mistaken, Mpamba."

Unconvinced, Mpemba tried again, but the hot milk froze before the cold milk. One day, Dr. Osborn, Head of the Department of Physics at the University of Dar es Salaam, visited Mpemba's school. Mpemba mustered up the courage to ask the doctor his question.

Dr. Osborn said, "I can't ask you questions right away, but I promise to do this experiment myself as soon as I get back to Dar es Salaam." As a result, the doctor's experiment was exactly what Mpemba said.

As a result, this phenomenon is known as the "Mpemba phenomenon". For more than 40 years, the "Mpemba phenomenon" has been recognized as truth to this day. It doesn't end there.

In 2004, Yu Shunxi, a girl from Xiangming Middle School in Shanghai, questioned this phenomenon. Under the guidance of Huang Zengxin, a famous science and technology teacher, Yu Shunxi and two other female students began to study the Mpemba phenomenon. They use sugar, water, milk, starch, ice cream and other ingredients to collect.

It is possible that each insurance company will have different denials for the number of car accidents. Generally, if you make 5 or more claims in a year, you may be rejected by all insurance companies in the second year to renew your commercial insurance.

Some insurance companies refuse to renew commercial insurance because they have to go out three times a year and the amount of each claim is large. However, compulsory liability insurance cannot be denied, and the insurance company will increase by 10%-30% in accordance with national regulations in the second year.

Compulsory insurance for 1-2 accidents is paid according to the base premium, 10% for 3-4 accidents, and 30% for 5 or more accidents or 30% for death.

Finally, it should be noted that compulsory traffic insurance is a business that must be underwritten by law, and it belongs to the statutory insurance stipulated by the state, and the insurance company has no right to refuse insurance. In addition, if the insurance is denied, the car owner can take the initiative to negotiate with the insurance company, whether it is a lot of insurance, or a luxury car, an elderly car, the insurance company avoids the risk, to see if it can be insured in the form of increasing premiums.

The first year of the new car insurance 5 times will not be denied insurance, but can not enjoy the discount, according to the actual situation with the following materials to the local car insurance business hall for processing:

1. Private car:

A copy of the owner's ID card, a copy of the vehicle's driving license, a copy of the insurance policy, etc.

2. Unit car:

The owner needs to submit a copy of the organization's ** certificate, a copy of the vehicle driving license, a copy of the insurance policy, and the official seal of the terms.

If you go out of the accident 5 times, you will be denied insurance. The insurance company reported the accident within 48 hours. You can now ** report the crime first.

Car insurance is paid once a year, no matter how many times in a year, the claim will be settled, and the maximum amount of each claim is the maximum sum insured. Multiple accidents in one year will not affect the second year's compulsory traffic insurance insurance, but there is no discount, but it may affect commercial insurance, and you should be asked to increase insurance. Whenever you are in danger, you should report to the police and inform the insurance company.

No, there will be no discount next year.

It should be denied next year.

The insurance was denied after 5 accidents. In the previous year, the premium increased by 10% in the second year, 20% for 3 accidents, and 30% for 4 accidents.

1. However, the insurance company cannot refuse to insure the compulsory traffic insurance, and can refuse to insure other commercial insurance. Compulsory traffic insurance is a business that must be underwritten by law, which is a statutory type of insurance stipulated by the state, and the insurance company has no right to refuse insurance.

2. If the owner has more claims within one year, it is best to change to another insurance company for coverage in the second year.

3. Since the decision to float the premium is the number of claims rather than the number of reports, for the "small bump", the car owner can first report the case and not make a claim, that is, first go through the procedures of reporting, damage assessment, etc., but do not pay for the time being, and wait for the end of this insurance cycle, and then decide whether to make a claim according to the annual insurance situation, so that it can be uniformly deployed at the end of an insurance cycle.

4. Ways to reduce insurance refusals:

1) For some small frictions in the vehicle, it is recommended to pay for it yourself and try to control the number of accidents.

2) After being denied insurance, you can look for an insurance agency to see if there is a corresponding special service. Some insurance agencies** offer the service of applying for insurance in other places.

3) If you are fully confident in your skills, or use less cars, gritting your teeth and getting out of insurance for one year is also a way. The so-called one-year out of insurance is not without insurance, and compulsory traffic insurance still has to be bought. For customers who have been out of policy for one year, the insurance company will generally accept them when they apply for insurance in the next year.

4) Luxury cars can find a few more companies, including foreign-funded property insurance companies, some foreign-funded property insurance companies are engaged in high-end property insurance business, overseas institutions are numerous, and the business is proficient, including luxury car insurance.

5) Take the initiative to negotiate with the insurance company, whether it is a lot of insurance, or a luxury car, an elderly car, the insurance company avoids the risk, to see if it can be insured in the form of increasing premiums.

5. Vehicle insurance, that is, motor vehicle insurance, referred to as car insurance, is also known as car insurance. It is a kind of commercial insurance, the significance of which is that it can be liable for the personal ** or property damage caused by natural disasters or accidents of motor vehicles.

6. Automobile insurance is a kind of property insurance, in the field of property insurance, automobile insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of automobile insurance and development. At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body.

7. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance includes two parts: vehicle main insurance and additional insurance. The main insurance of commercial insurance includes vehicle loss insurance, third-party liability insurance, vehicle occupant liability insurance, and total vehicle theft insurance.

8. Motor vehicle loss insurance is an insurance that covers the insured vehicle suffering from natural disasters or accidents within the scope of insurance, resulting in the loss of the insured vehicle itself, and the insurer shall compensate in accordance with the provisions of the insurance contract. Motor vehicle third-party liability insurance is also responsible for compensation by the insurance company for the amount that should be paid by the insured in accordance with the law if the insured or its permitted qualified driver has an accident during the use of the insured vehicle, resulting in personal damage or property damage to the third party.

One of the measures taken by insurance companies to control the underwriting of customers who had more insurance in the previous year or had a higher loss ratio when they renewed their insurance in the following year is to increase the premium. Under normal circumstances, insurance companies will increase premiums for businesses that have had more than three accidents in the previous year or have a loss ratio of more than 60%.

If you go out of the insurance twice in the previous year, the premium will increase by 10% in the second year

20% increase in 3 accidents

30% for 4 accidents, and 30% for 5 accidents.

No matter how much you pay each time, even if you only pay 1 yuan, it is an accident. But accidents depend on whether there are fatalities, and if there are any, they will rise by 30% at a time. If not, the above will be counted. 10,000 on the case.

on 20,000. More than 30,000 are recorded.

Therefore, some insurance companies will increase their premiums accordingly.

Car insurance out once:

If it is compulsory insurance, there will be no discount in the second year. If it is a commercial insurance, it depends on the amount of compensation to determine the discount for the second year.

Rates of compulsory liability insurance are floating:

If there is no traffic accident in the previous year, a copy of the policy of the previous year will be provided--- 10% discount. If there is no traffic accident in the previous two years, a copy of the previous year's policy (10% discount confirmed in the previous year) - 20% discount. If there has been no traffic accident in the previous three years, a copy of the previous year's policy (20% discount confirmed in the previous year) - 30% discount.

First insured or one traffic accident (no fatalities) in the previous year - base premium. In the event of 2 or more traffic accidents (no fatalities) in the previous year, an additional 10% will be charged. In the event of a traffic fatality in the previous year--- 30% surcharge.