How much to add in the second year if the car insurance is out of business

I believe that many car owners are not very clear about this problem. We have sorted out the regulations of Ping An, Pacific, PICC and life car insurance.

Ping An Car Insurance: If you only have one insurance in the previous year, it will not affect the premium of the second year. However, if the amount of the claim does not exceed the premium of the previous year, then the second year can enjoy the same discount as the first year, and if it is exceeded, the premium will be increased.

Personally, I think this kind of regulation is very chicken.

Pacific Auto Insurance: This is more generous, stipulating that if there are no more than two accidents in the previous year, the price of commercial insurance will not increase in the second year. Pacific Auto Insurance only looks at the number of insurances and does not look at the amount of claims. It's still better than peace.

PICC car insurance: If there is no insurance in the previous year, or only one insurance, the premium can be discounted by 7% on the basis of the standard premium, and you can enjoy about the discount if you sell it by telemarketing. If Wu Guo has more than 1 accident, then the discount after the discount will no longer be enjoyed.

The insurance premium for the second year of car insurance is related to the number of accidents, the amount of insurance, the number of insurance, etc., as follows:

1. Compulsory traffic insurance:

If the user has not been involved in a road accident for which he or she is responsible in the previous year, the premium for the second year will be reduced by 10%;

If the user has a road traffic accident in the previous year for which he is responsible but does not involve death, the premium for the second year remains unchanged;

If the user has two road traffic accidents in the previous year that are responsible but do not involve death, the second year's premium**10%;

If a user is responsible for a traffic fatality in the previous year, the second year's premium**30%.

2. Commercial Insurance:

The premium for the second year of commercial insurance is determined according to the regulations of the insurance company, and the preferential policies of commercial insurance of different insurance companies are different, and you need to contact the insurance company for specific details.

After a car insurance policy is out once, if it does not involve death, the car owner's premium for the second year will not rise, that is, the cost will be the same as the first year. If there is one accident and there is death, the car owner's premium will increase by 30% for the second year.

If the car owner does not have insurance in the first year, then the premium for the second year can be reduced by 10%, if the car owner has not been insured for two consecutive years, the premium can be reduced by 20%, and if the car owner has not been insured for three consecutive years, the premium can be reduced by 30%.

Commercial auto insurance is calculated as follows:

Commercial Auto Insurance Premium = Benchmark Premium * Rate Adjustment Factor Benchmark Premium = Benchmark Pure Risk Premium (1 - Surcharge Rate) Rate Adjustment Factor = No Claim Preferential Factor Traffic Violation Factor Voluntary Underwriting Factor Autonomous Channel Factor.

That is to say, the main rate coefficient that affects the premium of the next year is the preferential coefficient of no claim, and if there is a new insurance or one insurance claim in the previous year, the preferential coefficient of no claim in the following year remains unchanged; In the event of 2, 3, 4 and 5 insurance claims, the preferential coefficient of no claim will be increased by % respectively. Leave the insurance once or maintain the premium of the previous year.

1. After the car is out of insurance, the car insurance premium will be increased in the second year, and the specific increase amount needs to be determined according to the amount of the claim, whether there is personal injury** and whether the insured item is compulsory traffic insurance or commercial insurance.

2. There is compensation for the compulsory traffic insurance, and the compulsory traffic insurance cannot be discounted in the second year, and the basic premium will be charged in the second year.

3. There is compensation for commercial insurance, and the second year of commercial insurance depends on the compensation amount of the first year to determine the premium for the second year, which is based on the discount table.

The factors that affect the car insurance rate generally include: the purchase price of the vehicle, the different uses and performance of the vehicle, the technical level of the car owner, safety awareness, violation records, claim records, etc.

The specific need for the actual accounting of the staff of the insurance company shall prevail.

If you need to apply for car insurance, we have a professional consultant one-on-one service, consultation is also free, you can apply for insurance after specific consultation, do you need to arrange for you?

You can provide the name of the mobile phone number and the city (please separate the mobile phone number with a comma, e.g. 138, 1234, 5678).

Question: My car was hit by another car, and the driver of the accident escaped and was not found, so I had to take an accident.

Question: Jinzhou District, Dalian City, Liaoning Province, my name is Wang Qinghua.

I also called the police on my side, and the traffic police didn't check it, the car ran away, and the traffic police brigade issued me a certificate of the driver who caused the accident, and I also contacted the insurance company on this side, and I don't know how much the insurance amount can be raised in the coming year.

Question: The insurance officer told me that I would have to raise 25% of the sum insured for the next year, and I didn't understand it, so I wanted to consult.

Driving on the road will inevitably have some small scratches, then we think of insurance, many friends have a doubt, how much will the premium of the car in the second year after the insurance increase?

Car insurance is issued twice a year, and the insurance should be increased by 20% in the second year.

Car damage insurance, after the car is damaged, the insurance company can repair the car for you, insure according to the purchase price of the new car, and determine the insurance amount according to the brand model by the unified vehicle purchase **** platform. Car insurance will affect the next year's premium as follows:

1. If there is no insurance within one year, the premium for the second year will be discounted by 10%;

2. If there is no insurance for two consecutive years, the premium for the second year will be discounted by 20%;

3. If there is no insurance for three years or more, the premium for the second year will be discounted by 30%;

4. If you go out of insurance once in a year, the general insurance cost remains unchanged, but you have enjoyed the preferential premium, the premium will be restored to the standard premium after the insurance is out once;

5. If you go out twice in one year, the insurance cost will rise by 20%, the premium for 3 times will increase by 50%, 75% for 4 times, and 100% for 5 times or more;

6. In the event of a road traffic fatality accident in the previous year, the premium will be increased by 30%.

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 within a year that does not involve death.

In the coming year, compulsory traffic insurance will not rise or be preferential, commercial insurance.

You 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.

Precautions for car accidents.

Under normal circumstances, if the vehicle is stolen in a paid parking lot or a commercial repair shop, the insurance company is not responsible for paying compensation, because the insurance company believes that the parking lot has the responsibility to keep the vehicle in the above places. Therefore, the custodian needs to be responsible for the loss of the vehicle caused by the custodian's miscustody.

When the vehicle is out of danger, the insured vehicle must meet two conditions: one is that it must have a driving license issued by the public security traffic management department.

and number plates. The other is to pass within the specified time.

The public security traffic management department passed the inspection.

The above content refers to People's Daily Online-Commercial Auto Insurance Reform and Expansion, and the premium for continuous insurance will rise.

Compulsory traffic insurance is easier to calculate, the premium of the second year of the insurance and not involving the death of the person will become the benchmark premium, taking the old family car 5 seats as an example, whether it is 950 855 this year, or 760 655, the insurance once, next year's premium is 950. (Compulsory traffic insurance floating rules, no insurance in the previous year, this year's premium = benchmark premium*, no insurance for two consecutive years, this year's premium = benchmark premium*, three years or more without insurance, this year's premium = benchmark premium*, the above insurance once, this year's premium = benchmark premium * 1, reincarnation.) Different provinces are slightly different, this I press Guangdong's, and some provinces in the country can have the lowest coefficient behind.

Commercial insurance is more complicated, involving the NCD coefficient of the industry platform and the independent pricing coefficient of the major insurance companies. One accident will affect the NCD coefficient for three years, but this effect is not the greatest. The biggest impact is the independent pricing coefficient of the major insurance companies, which will be affected by insurance, but the impact of once or twice a year is not very large, and the impact on age, model, whether the province is in the province, and the type of insurance is more affected.

Personally, if it involves compulsory traffic, this year's premium is also more than 855, and the insurance is taken. If the premium of the compulsory traffic this year is already 665 and below, the one within 500 will be out by itself, and the insurance will not be taken, after all, the difference between 950-665 is a bit large, and it will be affected in the next few years.

If the amount of commercial insurance is a few hundred yuan, it will be out by itself, and it will not take insurance, after all, it will affect the NCD coefficient for three years, and if it is thousands, it will be insured.

If you don't know how much it costs, you can report to the insurance company **, and the report ** has the policy. The amount of the report is determined, and as long as the claim is not settled, it is not counted as the number of accidents. Whether there is an accident or not is subject to the closure of the case.

Answer: Hello Car insurance is insured three times a year, and the premium will increase in the second year, right? Compulsory traffic insurance is out once a year, there is no discount in the second year, and then it is charged according to the basic rate. For commercial insurance, it is necessary to determine the premium for the second year based on your insurance amount in the first year.

It usually goes up to 10%. If there is a road liability traffic fatality in the first year of compulsory traffic insurance, your premium will increase to 30% in the second year.

After the first year of commercial insurance, the second year will be raised by a standard. If the amount is greater than 80% of the premium of the previous year, it will be discounted by 20%, and if the compensation for three times is greater than 80% of the premium, it will be discounted by 23% in the second year, and then it will be increased by 30%. If the compensation is less than 80% for four accidents, it will be discounted by 30% and increased by 20%, and if the insurance is more than 5-7 times, it will increase by an average of 30% in the second year.

If there are more than eight accidents, the insurance company will refuse to insure.

This can be determined, not as some people understand that the insurance will increase three times, the premium of the second year will increase, this is determined by the amount of insurance, if you have an insurance greater than the sum insured in the second year, your premium for the second year will also increase.

The amount of premium increase for the first year of car insurance and the second year depends on the specific situation.

After a car insurance policy is out once, if it does not involve death, the car owner's premium for the second year will not rise, that is, the cost will be the same as the first year. If there is one accident and there is death, the car owner's premium will increase by 30% for the second year. If the car owner does not have insurance in the first year, then the premium for the second year can be reduced by 10%, if the car owner has not been insured for two consecutive years, the premium can be reduced by 20%, and if the car owner has not been insured for three consecutive years, the premium can be reduced by 30%.

The claim process after car insurance is:

1. Report the case. After the accident, the owner of the car needs to call the insurance company's ** to report;

2. Survey. The insurance company will find someone to investigate the scene and confirm the situation;

3. Damage assessment. The insurance company will know that the inspectors will go to the scene to check the loss, and some insurance companies will let the car owner go to the designated place to assess the loss;

4. Audit. The owner of the car submits the insurance policy.

and other information to the insurance company, and the insurance company will review it;

5. Close the case. If the wild pants are approved, the owner meets the conditions for compensation, and the insurance company will pay compensation.

If the insurance is issued once in one year, the standard premium will usually remain unchanged in the second year, and the standard premium will be reinstated in the second year if the preferential premium is enjoyed in the previous year.

In the event of a road traffic fatality accident or a vehicle owner who is involved in an accident due to drunk driving in the previous year, the insurance premium will be increased by 30% on the basis of the original premium.

Commercial insurance will affect this year's car insurance coefficient according to the previous year's vehicle usage, insurance situation and other factors, and the specific coefficient will fluctuate mainly to the actual **. In accordance with regional rules, the compulsory traffic insurance will be reduced by 10% if it does not take out the risk for one year, and the original price will be increased once the insurance will be issued.

If there was a fault traffic accident in the previous year that did not involve death, the premium will not change.

If there were two at-fault traffic accidents in the previous year that did not involve death, the premium would be increased by 10%.

If there has been a fatal accident in the previous year, the premium will be increased by 30 per cent

So I bought car insurance,"Drive well"It's also equivalent to saving money!

Commercial auto insurance, like compulsory traffic insurance, will increase or decrease the premium due to the situation of car insurance, butThe exact circumstances of the change depend on the local policy and the regulations of the insurance company.

Some car owners due to the second year of car insurance premium increase, surrender and buy the premium will still **, car insurance expires and renew and feel very lost, if you also have this problem, this article can help you solve the problem:What should I do if my car insurance expires? How to renew the insurance in a cost-effective and reliable way?

There are two scenarios for the premium to change in the second year after one accident, the first is that the premium will increase. If you are insured by the same company, you have to pay a premium if you are insured once in the first year and you are ready to renew it in the second year. The reason for this situation is that the insurance company compensated a large amount in the previous year, and the insurance company, as a profit-making institution, will naturally use other ways to make up for its own losses in the previous year.

In addition, if you have a large amount of compensation for the insurance company in the first year, the insurance company will think that this situation is also likely to occur this year, so the insurance company can only increase the insurance amount of the customer by increasing the premium.

The second scenario in which the premium changes in the second year is that the premium will remain the same.

First of all, once in a year, is a relatively small number of accidents, if the insurance company's compensation is not very high, then the insurance company will not increase the insurance cost under normal circumstances. Secondly, insurance companies also want to retain customers. If the premium is increased without causing a huge loss after just one accident, then the customer may be able to purchase insurance from other insurance companies.

Under normal circumstances, insurance companies will not increase the cost of insurance, unless the amount of compensation in the previous year is too high, I hope that all car owners can drive safely.