Do insurance premiums increase after one car violation?

will increase. According to Article 8 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability:

If the insured motor vehicle has not been involved in road traffic safety violations or road traffic accidents, the insurance company shall reduce its insurance premium rate in the following year.

In the following years, if the insured motor vehicle still does not have road traffic safety violations or road traffic accidents, the insurance company shall continue to reduce its insurance premium up to the minimum standard.

If the insured motor vehicle is involved in a road traffic safety violation or road traffic accident, the insurance company shall increase its insurance premium rate in the following year.

In the event of multiple road traffic safety violations, road traffic accidents, or major road traffic accidents, insurance companies shall increase the range of their insurance premiums.

If the insured is not at fault in a road traffic accident, the insurance rate shall not be increased. The standard for reducing or increasing the insurance rate shall be formulated by the China Insurance Regulatory Commission in conjunction with the public security department.

There is no relationship between vehicle violations and premiums, but if there is a claim, it will be related, and if there is no claim normally, the premium will be preferential in the second year, and the claim will not be discounted, or the premium in the first year will be calculated.

According to the "Motor Vehicle Third Party Liability Insurance Rate Adjustment Coefficient", the specific formula for calculating the premium of the three insurance is the sum of the original three insurance premiums of the car owner and the traffic violation adjustment premium of the previous year, and then multiplied by the sum of the original three insurance bases and the compensation adjustment base of the previous year.

For example, if a car owner's traffic violation premium reaches 400 yuan, and the compensation adjustment coefficient is 1,800 yuan for him to purchase 200,000 yuan of three-party insurance, then his premium is (1800 + 400) (1 + yuan, an extra 620 yuan. If a car owner has no claim record in the previous year, when he renews the insurance amount of 200,000 yuan, he will enjoy the preferential treatment of no compensation, that is, the compensation adjustment coefficient is reduced, and he only needs to pay 1,620 yuan, which is 180 yuan less.

Violations rather than insurance have nothing to do with premiums.

Violations can affect premiums, but they are divided into several situations. If you run a red light, generally speaking, less than two times will not affect the third time on top of the premium**. For example, speeding by more than 50%, violating traffic lights, or driving in the opposite direction; Driving (operating) a motor vehicle after drinking, driving while intoxicated, etc., as long as there is one violation, the premium of car insurance will increase by 10%.

Factors influencing vehicle insurance premiums: 1. Driving record: When applying for car insurance in the second year, the insurance company will look at whether the owner has a bad driving record, such as drunk driving, etc., in short, drive carefully and have no accidents, then you will want to have a certain discount when you apply for car insurance in the second year.

2. Car model: Each insurance company has different risk values for different models and years of cars. In short, the higher the value or popularity of the car, the higher the premium.

3. Accident claim record: If the car owner has no insurance claim record in the previous year, then he will also enjoy certain discounts when he applies for car insurance in the second year. On the contrary, if the car owner has been out of insurance many times, the cost of car insurance will not only not be discounted, but also the risk of premium**.

Even if there is a violation, the insurance premium paid for 4 years will not change in any way, and it will still be the same according to the previous payment.

The cost of insurance will increase in the second year, because the higher the number of car insurance reimbursements, the higher the premium paid in the second year.

This insurance fee should not be changed, it is similar to the first payment, and your violation record is not related to the insurance premium paid.

The cost of illegal deduction insurance will not be **, the premium of insurance is determined with the number of accidents, the more occurrences, the higher the premium of He Zao's. Automobile commercial insurance is actually motor vehicle commercial insurance. Commercial insurance for motor vehicles means that the owner of the vehicle has purchased the compulsory insurance of motor vehicles that must be insured by the state, and voluntarily insures the automobile insurance of a commercial insurance company.

Precautions for Insurance Claims:

1. Carry a clear copy of the "Three Certificates and One Document" of the motor vehicle with the car, that is, the owner's ID card, driver's license, driving license and insurance policy.

2. Report the case in time. When calling the insurance company to report the accident**, you need to provide basic information such as the policy number, the time and place of the accident, and the nature of the accident.

3. Vehicles with temporary license plates generally only handle short-term compulsory traffic insurance, and there is a specified route and time, and the insurance company does not assume the liability for compensation for accidents that occur on a route and time other than the specified route.

4. When the vehicle is out of danger in a different place, it shall be reported to the insurance company in time, and the damage assessment personnel at the place of accident shall conduct investigation and damage assessment on behalf of the company. The compensation cost is generally valued according to the industry standard of the place of insurance, and if there is partial damage found after returning to the place of insurance, the insurance company can make up the compensation for the repair cost.

5. If the insured wants to entrust the repair shop to handle the compensation, or directly transfer the accident compensation fee to the repair shop, he should sign the power of attorney in person and report to the insurance company for the record. Every time we repair, we sign a quality contract with the repair shop, so that we can protect our legitimate rights and interests. <>