How much impact does car insurance have on future renewals?

Hello! If you buy car insurance, it will increase the car owner's premium for the next year. As for the specific amount of floating, it is related to the number of times the owner has been out of insurance.

In the case of compulsory liability insurance, in a policy year, the insurance is insured once, and the premium remains the same; If you accidentally go out of insurance twice, the premium will increase to 10%; If there are more than two accidents, the premium will increase by 30%. In terms of commercial auto insurance, the premium coefficient of 2 times of general insurance is increased by 25%; 3 times of insurance, the premium will increase by 50%; 4 times of insurance, the premium increased by 75%; 5 times out of insurance, double the premium!

Compulsory traffic insurance increases accordingly according to the number of accidents, and the coefficient is the previous year, etc.; Commercial insurance increases accordingly according to the rules of the insurance company, and the more times it occurs, the higher the premium; If the number of accidents is more than five times, it should be noted that it is more difficult to buy insurance at this time, and it is difficult for major insurance companies to accept such customers, which may lead to the consequences of not being able to buy car insurance, take care. If it is a minor injury, you can report it together several times. Car insurance can be purchased three months in advance, and it is recommended that you can inquire by yourself, and now there are some online car insurance platforms (such as Haozhoudao) that can achieve instant accuracy**.

If the landlord does not have a special channel, if he has applied for insurance more than five times, the rate will definitely be high, and it is difficult to buy insurance.

If the car insurance is insured, the premium will be increased for the next year.

It has an impact on the discount on the cost of later renewals!

The renewal premium is high, and if the insurance is paid three times a year, Ping An will be denied.

The next year's premium will revert back to the amount of money in the first instalment.

The premium will be increased for the next year.

Since each company's policy is different, it is recommended to call the insurance company** directly for consultation.

The renewal premium will be high.

As we all know, when we choose to buy a vehicle, whether it is a new car or a second-hand car, we must pay car insurance for the vehicle we hold, if the car insurance expires, then the vehicle will lose the protection of the original insurance, the question is, if the vehicle is out of insurance, what adverse effects will it bring?

If the vehicle insurance expires and is not renewed immediately, or even exceeds a certain period, then the vehicle will not be able to enjoy the discount when it is renewed last year. After all, we also know that we choose to buy car insurance, if there is no insurance in the year, then the insurance company will also choose to give the owner a certain discount on car insurance in the next year, and it may be hundreds of dollars cheaper after the loss of the company. If the car is not renewed within the normal period, the discount will undoubtedly be lost.

The car is not renewed, the vehicle in the process of driving accidents by the owner of the car may also have such a fluke mentality, they may think that they usually do not use the car, and even some owners do forget the specific date of the vehicle insurance, so they missed the renewal period at that time, so many car owners did not choose to renew the car, in short, the insurance period of the car expired, the policy will be invalid. If a traffic accident occurs in the process of driving, the loss caused by the car will be borne by the owner himself, so in the face of the expiration of the car policy term, the owner must pay careful attention and never miss the renewal period.

In fact, only the owners of the vehicle know that according to the relevant traffic laws and regulations in China, the car must be compulsorily purchased after owning the vehicle. If the vehicle involved has been seized by the traffic police department and has not paid compulsory traffic insurance, then the owner will undoubtedly face a fine and even impound the vehicle.

Therefore, for the owners of the vehicle, they must pay careful attention to the protection period of their models, and do not miss the renewal time, but now many insurance company salesmen, after learning about the relevant insurance information of the car owner, will generally inform the car owner in advance of the renewal period, so the car owners are still careful to pay attention to the main.

If you don't renew the insurance, the impact on the vehicle is very large, if the vehicle has an accident, the money will have to be compensated by yourself. If there is no compulsory traffic insurance, the traffic police will detain your car and your driver's license, which will have a very big impact on you.

In fact, there will be no impact in life when you are in Pingdoushantan, but if you have an accident, then it will have an impact, which will make you lose a lot of compensation, and it will also make you lose a lot of benefits, so I think that if the car insurance is due, you must only stop the timely renewal of the insurance, and you must leave yourself a way back.

There may be various problems, and they will also be punished for omission, and at the same time, Libuhong will also have to bear part of the responsibility, and there will be a variety of normative risk books, and there will also be various traffic accidents.

If the policy has been renewed, the insurance will not affect the premium that has been renewed, so there is no need to worry. However, the insurance reported will be recorded in the system, which will affect the premium for the next year.

At present, the companies will give about 7% discount on the benchmark rate (the same below) above the benchmark rate (the same below) for the vehicles that have not incurred compensation for 3 consecutive years or more in the last insurance year, and only the previous year without compensation will also be given a discount of about 9%.

Those who do not have compensation can enjoy different degrees of preferential treatment, and once the insurance is out of nature, they will not enjoy the maximum preferential measures, and if the number of claims is too much, the premium will have a large increase.

In addition, after the reform of the auto insurance policy, there are many rate factors that affect the premium of auto insurance, and the number and amount of claims are one of them. Usually, many customers will roughly estimate the impact of insurance on the next year's premium based on the past situation, so as to decide whether to issue insurance.

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If there is an accident after forgetting to renew the car insurance, the insurance company is not responsible for the claim, and the individual bears the claim, and if you drive on the road without insurance, you will be seized by the traffic police and fined twice the basic premium.

According to Article 39 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, if the owner or manager of a motor vehicle fails to take out compulsory insurance for motor vehicle traffic accident liability in accordance with the regulations, the traffic management department of the public security organ shall detain the motor vehicle, notify the owner or manager of the motor vehicle to take out insurance in accordance with the regulations, and impose a fine of twice the insurance premium that should be paid in accordance with the minimum liability limit for insurance in accordance with the regulations. Where the owner or manager of a motor vehicle reapplies for compulsory insurance for motor vehicle traffic accident liability in accordance with regulations, the motor vehicle shall be returned in a timely manner.

Article 40 If the motor vehicle on the road is not placed with an insurance mark, the traffic management department of the public security organ shall detain the motor vehicle, notify the party concerned to provide the insurance mark or go through the corresponding procedures, and may be given a warning or a fine of not less than 20 Yuan but not more than 200 Yuan. If the party concerned provides the insurance mark or goes through the corresponding formalities, the motor vehicle shall be returned in a timely manner.

If there is no impact, it is normal for the insurance time to be a few days earlier than the initial registration time. 1. For subsequent car insurance renewal, the car owner can negotiate with the insurance company on the effective time of the policy, and in order to avoid the car insurance being broken, the car owner can usually renew the policy 30 days in advance. 2. If the policy is renewed after expiration, the insurance company will also assume the protection responsibility from 0:00 on the next day of the insurance date, and the premium during the insurance break period does not need to be paid.

Extended Information: 1. Motor Vehicle Insurance.

1. Motor vehicle insurance, that is, automobile insurance (referred to as car insurance), refers to the protection of motor vehicles due to natural disasters.

or a kind of commercial insurance that is liable for personal ** or property damage caused by accidents.

2. Motor vehicle insurance, that is, "car insurance", is a kind of transportation insurance with the motor vehicle itself and its third-party liability as the subject of insurance.

3. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

2. Motor vehicle registration regulations.

1. Vehicle management office.

When accepting the application for motor vehicle registration, the application materials are complete and comply with laws and administrative regulations.

and these provisions, it shall be completed within the prescribed time limit. Where the application materials are incomplete or otherwise do not conform to the legally-prescribed form, the applicant shall be informed of all the contents that need to be supplemented and corrected at one time. Where the provisions are not met, the reasons for not accepting or registering shall be notified in writing.

2. The vehicle management office shall publicize the matters, conditions, basis, procedures, time limits and charging standards of motor vehicle registration in laws, administrative regulations and these provisions, the catalog of all materials to be submitted and the model text of the application form in the place of registration.

3. Provincial-level and districted cities.

Or equivalent to the same level of the traffic management department of the public security organs shall establish a homepage on the Internet, publish information, facilitate the masses to consult the relevant provisions of motor vehicle registration, **, use the relevant **.

3. According to Article 13 of the Insurance Law of the People's Republic of China, the insurance contract shall be established if the policyholder submits an insurance request and the insurer agrees to underwrite. The insurer shall issue an insurance policy or other insurance certificate to the policyholder in a timely manner. The insurance policy or other insurance certificate shall clearly state the content of the contract agreed upon by both parties.

The parties may also agree to set out the contents of the contract in other written forms. An insurance contract established in accordance with the law shall take effect from the time of its establishment. The policyholder and the insurer may agree on the validity of the contract with conditions or a time limit.

Article 14 After the insurance contract is established, the policyholder shall pay the insurance premium according to the agreement, and the insurer shall begin to bear the insurance liability according to the agreed time.

If the previous year's car insurance has not expired, and the car insurance is renewed, it should be counted in the insurance range of the new year. According to the relevant regulations of the Insurance Regulatory Commission, if the insurance date is between the two annual insurance purchase dates, even if the old policy has not expired, the new policy will be deemed to have an insurance record. Moreover, the car owner has signed a contract with the insurance company, the premium has been settled, and may have enjoyed the relevant discounts, if the number of accidents is still counted in the old insurance, it is really unfair to the insurance company.

Since the car insurance premium reform has been implemented, this insurance will inevitably affect the premium for the next year. The new policy stipulates that during the annual insurance period, the premium of one vehicle insurance will not be discounted, and the premium will be increased by 25% for two accidents, 50% for three accidents, 75% for four accidents, and doubled for five accidents.

Therefore, car owners need to be cautious during future driving and do not allow the number of accidents to increase.

At present, the companies will give a 7% discount on the base rate (the same below) for the vehicles that have not incurred compensation for 3 consecutive years or more in the previous insurance year, and only the previous year without compensation will also be given a 9% discount.

Those who do not have compensation can enjoy different degrees of preferential treatment, and once the insurance is naturally not able to enjoy preferential measures, and if the number of claims is too much, the premium will have a large increase.

At present, the policy adopted by most insurance companies is that for those who settle claims twice a year, it will not affect the premium of the next year, and they can also enjoy the preferential treatment of the insurance company; If the claim is made three times, the premium will not be discounted; For more than three times, the premium will increase by 10% to 20%; If there are more than five times, there is a high possibility of being "denied insurance", and each insurance company can determine according to the customer's situation.

A few days after the expiration of car insurance has no effect on the renewal, but if the expiration time is too long, it will have a certain impact on the renewal. Among them, the compulsory traffic insurance will no longer enjoy the discount if it is renewed after three months of expiration, and the commercial auto insurance will be renewed after three months of expiration, then a certain fee will be added on the original basis.