How to calculate car insurance full risk, how to calculate car full insurance

The car full orange insurance is specifically for traffic force and round force insurance + car damage insurance + third party liability insurance + deductible + car personnel insurance.

1. Compulsory traffic insurance: The full name of compulsory traffic insurance is compulsory insurance for motor vehicle traffic accident liability, which is a compulsory liability insurance for the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by a road traffic accident caused by the insured motor vehicle within the liability limit.

2. Vehicle damage insurance: Vehicle loss insurance refers to the loss of the insured vehicle itself due to natural disasters (excluding **) or accidents within the scope of insurance liability, and the insurer shall compensate according to the provisions of the insurance contract.

3. Third party liability insurance: Commercial third party liability insurance refers to the direct loss of personal or property suffered by others due to the insurer's liability accident of the insured vehicle, and the insurer shall compensate in accordance with the provisions of the insurance contract.

4. Excluding deductible: The insurance company shall be responsible for the compensation caused by the insured accident caused by the vehicle damage insurance or third-party liability insurance.

5. On-board personnel insurance: If the vehicle accident causes injuries to the personnel on the car, the insurance company shall be responsible for compensation.

There is no such thing as all-risk in car insurance. Under normal circumstances, most of the insureds insure insurance types include: motor vehicle damage wheel loss insurance, third party liability insurance, theft insurance, glass insurance, scratch insurance, vehicle personnel liability insurance and deductible and other types of insurance.

Motor Vehicle Damage Insurance: In the event of an insured accident, the insurance company will compensate the insured for the cost of repairing the vehicle in accordance with the insurance contract. For example, the vehicle collides, overturns, fires, **, or is collapsed by external objects, smashed by falling objects, and collides with other people's vehicles, resulting in damage to their own vehicles.

Third party liability insurance: In the event of an insured accident, the insurance company will compensate the third party (person or thing) for the loss suffered by the third party (person or thing) on behalf of the insured in accordance with the insurance contract.

Liability insurance for persons on the car: In the event of an insured accident, the insurance company will compensate in accordance with the insurance contract if the car is responsible for the personal life of the passenger (non-driver) of the car.

Theft insurance: If the vehicle is stolen, robbed or snatched, the insurance company will compensate in accordance with the insurance contract after the public security organ files a case and proves it.

Deductible: In the event of an insured event, the insurance company will calculate the deductible amount that should be borne by the insured according to the terms, and the insurance company will be responsible for the compensation of this part of the deductible after taking out the deductible insurance.

How to calculate car insurance This is a more important question, the calculation of car insurance is calculated according to different types of insurance, for example, compulsory traffic insurance needs to be calculated according to the calculation standard of compulsory traffic insurance, but also consider factors such as past driving records and accident records.

How car insurance is calculated

1) Vehicle loss insurance premium = basic insurance premium + insurance amount of this insurance rate. The basic premium of the car price (342 yuan).

2) Third-party liability insurance: 200,000 yuan for insurance claims, with a fixed premium of 952 yuan.

3) Seat insurance for the bus: 10,000 yuan per seat, 10,000 seats.

4) Full car theft insurance: car price.

5) Glass damage insurance: car price.

6) Car damage insurance does not include deductible: 15% of the premium for car damage insurance.

7) Third party deductible: 15% of the third party liability insurance premium.

8) Compulsory traffic insurance: 950 yuan.

How to calculate the car insurance premium will also consider the owner's own conditions, one is from the age and gender and other aspects; The second is to consider the aspect of the car, including the nature of the car, the brand style, the number of accidents, etc. When renewing the policy, you should also consider factors such as past driving records and accident records.

How commercial auto insurance is calculated

1. Vehicle loss insurance premium = basic insurance premium + insurance amount of this insurance rate.

2. Third-party liability insurance premium = fixed insurance premium corresponding to the fixed grade compensation limit.

3. The premium for theft insurance = the actual value of the vehicle.

4. The newly added equipment loss insurance premium = the insurance amount of this insurance.

5. Glass breakage insurance premium = new car purchase price.

What are the specific materials required for car insurance damage assessment?

a) A copy of the driving license (both parties to the accident), a copy of the driver's license (both parties to the accident).

2) A copy of the ID card of the insured (car owner) (the unit's ** certificate), a copy of the bank card or passbook.

3) On-site survey sheet, damage assessment form (vehicles of both parties), invoices of both parties.

4) The accident responsibility determination letter (or agreement) issued by the traffic police.

5) A copy of the insurance policy of the insured vehicle (including compulsory traffic insurance and commercial insurance), and a copy of the compulsory traffic insurance of the non-responsible party (the hit vehicle).

6) Other materials required by the insurance company

How long does it take for the car insurance to be paid after the damage is assessed

According to Article 23 of the Insurance Law, the insurance company is required to pay within 10 days for undisputed claims, and for difficult cases, the time can be negotiated by both parties, and if not, the part that is not disputed shall be paid before compensation within 60 days.

After the occurrence of an insured event, when the policyholder, the insured or the beneficiary makes a claim, if the insurance company considers that it is necessary to submit relevant certificates and materials, it shall notify the other party in a timely and one-time manner; After the materials are complete, the insurance company shall make an assessment in a timely manner, and if the situation is complicated, it shall make an assessment within 30 days and notify the other party of the verification result in writing.

If there is a claim after the damage assessment, you also need to submit the compensation information to the insurance company for a claim. Only when the information is handed over to the insurance company will there be a long time to lose money. According to the Insurance Act, it is within 10 working days that the information is complete.

According to the current compensation efficiency of mainstream auto insurance, small cases of less than 10,000 yuan can be transferred in about 1 working day.

First of all, it is a misunderstanding that there is no all-risk idea. Specifically, if you don't enter the system, it is impossible for you to determine the type of insurance and the amount of insurance you want to insure, and then find the salesman to calculate or ask ** to be accurate;

In addition to compulsory traffic insurance and vehicle and vessel tax, there are many types of commercial insurance that must be purchased, which are roughly as follows:

Car damage insurance: If you crash the car, the insurance company can show up to repair the car for you, insure the new car at the purchase price, and determine the insurance amount according to the brand model by the unified vehicle purchase platform;

Third-party insurance: (50,000, 100,000, 200,000, 300,000, 500,000, 1,000,000 optional) If you break someone else's things, the insurance company can help you pay, but only for direct losses, and medical treatment is only responsible for the part within the scope of medical insurance.

Separate glass breakage insurance: (some companies are divided into imported and domestic, ** different) your car glass is broken when there is no traffic accident, and the insurance company can replace it for you;

On-board personnel insurance: It can be insured for 10,000, 20,000 or 50,000 seats, and some companies can choose to insure the seats (for example, only 2 seats in the front row or only the driver, and even some companies can choose 20,000 seats in the front row and 10,000 seats in the back). In the event of a car accident, you can pay for the medical expenses of the people in your own car, and only be responsible for the medical insurance coverage;

Spontaneous combustion insurance: If your car burns by itself due to oil circuit problems, the insurance company can lose money by 20% discount according to depreciation (if you do not apply for deductible insurance, you can not get 20% discount), and the insurance is depreciated according to the depreciation price;

Full car theft insurance: the car is stolen, there is a certificate from the public security organ, and it cannot be found within 3 months, and the money will be lost by 20% according to depreciation (if the insurance does not include deductible insurance, it can not be discounted by 20%), and the insurance will be depreciated according to the depreciation price;

Excluding deductible insurance: as an additional type of insurance for car damage insurance, three liability insurance, vehicle personnel insurance, full car theft insurance and spontaneous combustion insurance (some companies are sold together, and some companies can be selected separately), if you do not insure the insurance, you should deduct the responsibility according to the size of the insurance, 20% of the full liability, 15% of the main responsibility, 10% of the same responsibility, and 5% of the secondary liability;

Compulsory traffic insurance is compulsory, and when you apply for car insurance in the first year, it is fixed, 950 yuan. Commercial insurance includes car damage insurance, theft insurance, three liability insurance, vehicle personnel liability insurance, etc. For car damage insurance, the insured amount is the value of the motor vehicle, which is generally about 1,000 yuan.

Theft insurance, related to the value of the vehicle, generally costs about 1,000 yuan. The third liability insurance is the third-party liability insurance, and the cost is 1,000 yuan.

There is no so-called all-risk insurance, which is said by the business staff in order to save trouble. All risks are not complete. General car insurance includes:

Vehicle loss insurance, third-party liability insurance, theft insurance, vehicle seat liability insurance, compulsory traffic insurance, spontaneous combustion insurance, scratch insurance, excluding deductible odds, etc. **From around 2000-4000. The corresponding car price is 30,000-100,000 or more.

First of all, explain a problem, the full insurance you said should be the state of commercial insurance all kinds of content are purchased, in addition to the full insurance of commercial insurance, there is also a compulsory insurance, no matter how much the price of the car, it is 950 (for family use), just now I calculated the proportion for you, first explain the reason, just yesterday I just gave a car to my relatives, ** in 177800, when I bought a car, the sales staff gave me a ** single, there is this thing, he is according to the full price of the people's insurance is not discounted, I calculated it separately, if you estimate that you can calculate the price of the car (4s insurance is generally not discounted, if you discount you can multiply a coefficient on the line), the specific following models of several 7551 186800 =, 8468 222800 =, a model of 6129 129800 =, of the model 5796 116800 =, 5284 96800 =, several examples of the model 5028 89800=

First of all, it is a misunderstanding that there is no all-risk idea.

Principle 1: Priority is given to purchasing sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

Principle 2: The insurance amount of the third-party insurance should refer to the compensation standard of the location. According to the highest standard of auto insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may exceed 600,000 yuan.

It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

Principle 3: Buy car damage insurance after buying enough car occupancy insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and passengers.

If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

Principle 4: Buy car damage insurance and then buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important.

Vehicle damage insurance is the most widely used type of insurance in vehicle insurance, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation for repair costs. However, there are also various exemption clauses for vehicle loss insurance, so car owners should carefully study the terms of vehicle damage insurance and grasp the content of vehicle damage insurance before applying for insurance, so as to avoid falling into the misunderstanding of claims.

Principle 5: Purchase deductible insurance for three-party insurance, driver's seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting.

The full name of the so-called deductible insurance is "special liability insurance without deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance.

The additional insurance does not include deductibles, corresponding to additional insurances such as "scratch insurance", "theft insurance" and so on.

Principle 6: Other types of insurance should be selectively purchased according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

It's about 4% to 5% of the fare

The first year fee is calculated, and the more insured and the higher the purchase price of the vehicle, the higher the premium. As far as the calculation formula of motor insurance is concerned, compulsory traffic insurance is calculated according to the basic standard.

The formula for calculating commercial insurance is roughly as follows:

Vehicle Damage Insurance Premium = Basic Insurance Premium + Insurance Amount of This Insurance Rate;

Third-party liability insurance premium = fixed insurance premium corresponding to the fixed grade compensation limit;

Full vehicle theft insurance premium = actual value of the vehicle rate;

On-board liability insurance premium = indemnity limit rate of this type of insurance;

Excluding deductible premium = (vehicle damage insurance premium + third party liability insurance premium) rate, etc.

After the first year, the higher the rate will be, the more times the insurance is out and the more unreasonable the insurance is suspended, the higher the rate will be. The outstanding performance is the calculation of the rate of compulsory traffic insurance, if there is no insurance in the first year, the corresponding discount in the second year, the basic premium of the compulsory insurance cost of the vehicle (1 floating rate linked to road traffic accidents) (1 floating rate linked to traffic safety violations).

Commercial insurance will also implement a floating rate according to a number of factors, one of the most important principles is that if you have more insurance records in the first year, the insurance premium will rise in the second year, and if you have less insurance records, you can enjoy premium discounts.

The specific cost calculation method of car insurance, car owners can calculate according to the corresponding basic rate, according to their actual situation according to the specific calculation formula (relatively cumbersome). Relatively speaking, it is recommended to use some online car insurance calculators to calculate, which is more time-saving and convenient.

Types and rates of car insurance. Car insurance is mainly divided into compulsory insurance and commercial insurance. Among them, the rate of compulsory traffic insurance is set by the state, which is basically certain and easier to calculate.

The difficulty lies in the fact that the rates of commercial insurance are formulated by car insurance companies according to the basic standards of the country, and most of them are inconsistent.

Factors influencing car insurance rates. One is the driving record, drive carefully and without accidents, and your premium will be lowered. The second is the car model, the higher the price, the higher the premium.

The third is the driving area, and some insurance companies will even take into account whether your car is parked in the garage or underground public parking lot in front of your home when determining the premium. Fourth, if there is no sufficient reason to stop the policy, you will be considered as a new customer when it resumes, which usually means a premium increase.