Car insurance under what circumstances the insurance will increase in the second year

Car Insurance 2nd Year Premium:

The calculation of the insurance premium for the second year of the automobile should separate the compulsory traffic insurance and the commercial insurance, because the nature of the two types of insurance is different, and the calculation method of the insurance premium is also different. The ** of compulsory traffic insurance is floating, and the floating rate will be implemented in the second year according to the number of accidents, whether there is a road traffic accident, whether there is a traffic violation and drunk driving, etc. If Mr. Liu does not have an insurance in the first year, he will get a 9% discount in the second year, an 8% discount in the third year, and a discount in the fourth year, and at most he can only get a discount.

However, if there is an accident once in the first year, there will be no discount in the second year, and it will still be the same as the first year's compulsory traffic insurance**, if there are more than two accidents (including two), it will rise by 10%. If a responsible road traffic fatality occurs in the previous year, the compulsory traffic insurance** will be increased by 30% when the policy is renewed in the second year. In addition, if there is a case of drunk driving, according to the regulations of the place where the owner is located, the compulsory insurance rate for drunk driving violations is controlled between 10% and 15%, and the compulsory insurance rate for drunk driving violations is more severe, and the cumulative increase rate shall not exceed 60%.

The implementation of the floating insurance rate system, according to the driver's illegal, traffic accident records, in the car owner to pay the second year of the car insurance premium to dynamically adjust the amount of their compulsory insurance payment, in other words, the more the driver violates the law, the more the second year to pay the compulsory insurance fee, the fundamental purpose is to encourage safe driving, to prevent traffic accidents.

Generally, there are three situations in the insurance company, and you can get preferential insurance in the next year**: 1. There is no insurance in the first year; 2. The number of accidents is less than two (including two); 3. The amount of compensation paid in the first year is lower than the amount of premium. Therefore, if the car is insured twice a year, it will generally not affect too much, and if it is insured three times, the premium will be relatively large.

1. After the current year's car insurance claim is settled, it will have an impact on the total premium of the next year's car insurance, and the specific impact will be calculated according to the latest car insurance rate terms - mainly affected by the number of accidents and the amount of claims, the more claims and the larger the claim amount, the more expensive the premium will be in the following year. According to the type of car insurance, it can be divided into two aspects: compulsory traffic insurance and commercial insurance.

Second, the commercial insurance part of each insurance company's policy is different, and there are two indicators to measure, one is the number of accidents, and the other is the amount of claims. However, the preferential policies of each insurance company will be adjusted every year, and the policies will be different depending on the model and type of insurance.

Generally speaking, if the number of occurrences is only one and the total amount of claims does not exceed the total premium of the commercial insurance part of the previous year, you can enjoy the same preferential range in the previous year. However, if the number of accidents exceeds the number of trips to reach or exceed twice, not only will you not enjoy the discount, but it may also be increased.

3. Insurance laws and regulations stipulate that the premium of compulsory traffic insurance for cars without insurance for one year will be discounted by 9% on the basis of the standard premium; If you do not have insurance for two consecutive years, you will be discounted by 20% on the standard premium; For three consecutive years, there is no insurance 7% off - 7% off is also the lowest discount for compulsory traffic insurance.

If the insurance is issued once in the previous year, the premium will be issued according to the standard premium, and if the insurance is insured twice or more, the premium will be issued at 10% above the standard premium; Depending on the number of accidents, it can be increased by up to 30%.

If you are out of insurance, the insurance will reduce the insurance discount given to you by the insurance company next year! However, the price will not exceed the premium of the current year, and the car insurance will be insured more than 3 times, or the amount of compensation will exceed the invoice amount of your insurance for the current year, and it will rise a lot in the second year. A lot of meaning is 3000 yuan up 600 approximately!

If the policy limit is exceeded, the additional money will be more than 2,000 yuan.

Hello dear! On the question of how much the insurance will go up in the second year of the vehicle's insurance.

In the second year of vehicle insurance, the insurance will increase by 10%-30%. How much insurance will increase in the second year after the vehicle accident is related to the type of insurance, the number of accidents, the severity of the accident, etc. Nowadays, the basic cost of ordinary private car compulsory insurance is 950 yuan, if there is a responsible road traffic accident that does not involve death within a year, the compulsory traffic insurance will not rise or be preferential in the coming year, and the commercial insurance can enjoy 85% off.

If there are more than two accidents in one year, the premium of the second year will increase, and it will rise by 10%-30%, and the actual accounting results of the insurance company shall prevail, if there is no insurance within one year, the premium of the second year only needs to pay 855 yuan, and if there is no insurance in the last two years, the premium only needs to pay 760 yuan.

I hope my answer will help you, dear.

After your car is insured, the premium for the second year will definitely increase, but most car owners have good driving skills and a strong sense of safety, and traffic accidents rarely occur under normal circumstances. Therefore, everyone knows that the premium for the second year after the car insurance will definitely increase, but few people care about the increase.

It just so happened that my friend was in a traffic accident in the past few days, and I learned from the salesman of the insurance company how much the premium will increase in the second year after the car is insured.

Our car insurance is divided into two parts, compulsory insurance and commercial insurance.

Let's start with compulsory insurance. Anyone who owns a car knows that if their car does not have a traffic accident within a year, then the compulsory insurance will be reduced by 10% in the second year, and by 20% in the third yearThe annual compulsory insurance for my current rotten family car is 650 yuan.

If your car is involved in a traffic accident within one year, the compulsory insurance for the second year will be exactly the same as the first year. If your car is involved in two accidents in a year, sorry, you will have to pay 10% more. In addition, in the event of a drunk driver, then compulsory insurance will also**.

Let's talk about commercial insurance. The commercial insurance we generally buy for our cars is mainly third-party liability insurance. Depending on the amount of insurance, the premium will be different.

How to say this, my car has been insured by commercial insurance for more than 10 years, and every year there are business personnel from various insurance companies to contact me, and the ** of each insurance company is different, but the difference is not big. For the sake of insurance, I buy commercial insurance for the car in a large insurance company every year, and I buy it in front of acquaintances, according to them, commercial insurance is automatically generated by the premium system, so as long as the insurance amount is the same every year, there seems to be no difference in premiums, there are not many discounts, at most the salesman will send you a red envelope of dozens of dollars privately. However, the current commercial insurance is not high, 1 million third-party liability insurance, the insurance premium is only a few hundred yuan, how to discount in the second year?

As for how much the premium increases in the second year after the commercial insurance is out, it depends on what kind of traffic accident happened to your car, and it is also related to the number of occurrences within a year. A friend of mine, last year the car had a traffic accident, he bought a third-party liability insurance of 1 million for the car, and the insurance company settled the claim quickly after the traffic accident, and the amount of the claim was also very high. This year, when he bought commercial insurance for his car, he paid more than 600 yuan more than last year.

Again, how much the premium increases in the second year after the commercial insurance is out depends on what kind of traffic accident happened to your car, and it depends on the amount of compensation paid by the insurance company.

I will share it with you today, and I wish all car owners a smooth and safe journey.

The insurance will be increased by 10% for 3 times; No more than 3 accidents, the insurance will not increase; The insurance amount for 4 times of insurance will be increased by 30%.

It will increase by about 20%, which is also calculated according to the amount of vehicle compensation, and each situation is different.

The sum insured may increase by about 10% in the second year, mainly depending on the amount you insure.

Generally, it will not increase, and the insurance fee standard of the Insurance Gongque Qing Auction Division in this area is completely unified, and then the general fee standard is exactly the same as the previous year.

1. If the new car is insured twice a year, the insurance cost of the next year will not be the same as the insurance premium of the new car, which means that the insurance premium is not discounted.

2. If the insurance cost of the current year is already preferential compared with the new car, in the case of two insurance days, the insurance premium of the next year will be higher than the cost of the current year**.