Does only compulsory insurance affect the premium for the second year?

No, according to the "Table of Floating Factors and Ratios of Compulsory Insurance Rates for Motor Vehicle Traffic Accident Liability", the main factors affecting the increase of compulsory traffic insurance rates are as follows:

1. If the owner has a road traffic accident that does not involve death in the previous year, the compulsory traffic insurance rate remains unchanged; Taking a 5-seater car as an example (the following also takes the model as an example), the compulsory traffic insurance is still 950 yuan a year;

2. If the owner has two responsible road traffic accidents in the previous year, the compulsory traffic insurance rate will increase by 10%, that is, 950 yuan + (950 10%) = 1045 yuan;

3. If the owner has three responsible road traffic accidents in the previous year, the compulsory traffic insurance will rise by 30% or more;

4. If the owner has a responsible road traffic fatality accident in the previous year, the compulsory traffic insurance rate will increase by 30%, that is, 950 yuan + (950 30%) = 1235 yuan.

The impact of claims on premium concessions is determined based on factors such as the number of trips, vehicle type, and risk assessment of the insurance company (except for cases that are closed and pending). It is recommended to call the official customer service of the insurance company** for detailed consultation.

Compulsory insurance will affect the premium for the second year.

Compulsory insurance only affects the premium of the second year's compulsory insurance, and does not affect commercial insurance.

The premiums of commercial insurance will not increase due to the risk of compulsory insurance. The premium of the second year of compulsory liability insurance is mainly affected by the number of accidents, if there is one compulsory insurance in the current year, then the premium of the second year of compulsory liability insurance will not increase, but the corresponding discount will be lost. If there are 2 or more compulsory insurance policies in the current year, the premium of the compulsory liability insurance in the second year will be increased by 10% on the basis of the standard premium.

In addition, in the event of a road traffic fatality that is responsible, the premium of compulsory liability insurance will be increased by 30% on top of the standard premium in the second year. Also, drunk driving.

It will also make the premium of the compulsory traffic insurance rise. If there is no insurance for 1 year, the premium of compulsory traffic insurance will be discounted by 9% in the second year; If there is no insurance for 2 consecutive years, the premium of compulsory traffic insurance will be discounted by 20% in the third year; There has been no insurance for 3 consecutive years, and the premium of compulsory traffic insurance will be discounted by 7% in the fourth year.

Whether the payment of compulsory liability insurance will affect the premium of the following year is mainly determined by the number of compulsory payment times.

Generally, only one claim will not affect the premium of the second year, and the policies and regulations of different insurance companies for the increase of the premium of the next year after the compulsory insurance is also different. Generally, it is 25% higher than 2 times out of insurance; The risk has risen by 50% for 3 times, and the price has increased by 75% for 4 times, and it has been directly doubled if it is more than 5 times. Coverage of compulsory traffic insurance.

It mainly includes: death and disability compensation, medical expense compensation, property damage compensation, etc. Compulsory insurance for traffic accident liability of imitation vehicles.

The limit of liability shall be determined by the insurance regulatory authority in conjunction with the public security department.

Prescribed by the competent health department and the competent agricultural department.

The insured motor vehicle was involved in a road dating accident.

If the personal and property losses of the victim other than the vehicle personnel and the insured are caused, the insurance company shall compensate within the limits of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with the law. The loss of a road traffic accident is caused by the victim's deliberate failure and the insurance company will not compensate for it.

Legal analysis: It will not affect the fact that if the car has been insured once, the premium will not rise in the second year, and the standard of the first year will be maintained.

Legal basis: "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" Article 21 If a road traffic accident occurs in an insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the scope of the compulsory insurance liability limit for motor vehicle traffic accident liability in accordance with the law, and the loss of the road traffic accident is intentionally caused by the victim, and the insurance company will not compensate. Sleepy fight.

The impact of the two-year premium of the compulsory traffic insurance is divided into three situations:

1. The amount of one-time insurance claim does not exceed the premium: the premium for the second year is not discounted;

2. The amount of one-time insurance claim exceeds the premium: the premium of the second year is not discounted;

3. Death event in a single accident: the premium will be increased by 30% in the second year.

Extended Materials. About car insurance.

1. Motor vehicle insurance.

That is, car insurance (referred to as car insurance) refers to the motor vehicle due to natural disasters.

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

Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance. 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. Compulsory traffic insurance is a compulsory insurance system that is stipulated to be implemented. The premium is subject to a unified charging standard, which is uniformly stipulated, but the compulsory traffic insurance for different car models is also different, and the main influencing factor is the "number of car seats".

3. With the development of the economy, the number of motor vehicles is increasing. At present, motor vehicle insurance has become the largest type of insurance in China's property insurance business. Motor vehicle insurance has covered most of the dangerous accidents of automobiles, the Ministry of Communications of China.

Car buyers have been compelled to purchase motor vehicle insurance to ensure that the legitimate rights and interests of the injured World Bank are protected in the event of a car accident. For example, compulsory liability insurance is a type of insurance for the purpose of ensuring the rights and interests of third parties. The more famous auto insurance companies in China have Chinese property insurance shares****.

Ping An Insurance Company of China, Pacific Insurance Company.

Wait. 4. Regardless of whether the insured is responsible for the traffic accident or not, the insurance company will comply with the "Regulations on Compulsory Traffic Insurance" and the terms of compulsory traffic insurance.

The specific requirements are to be compensated within the limit of liability for the wide space. It plays an important role in maintaining the personal and property safety of road traffic passers, ensuring road safety, and at the same time can reduce legal disputes, simplify handling procedures, and ensure that victims receive timely and effective compensation.

Whether the premium in the second year after the compulsory insurance will be ** also depends on the actual situation: if the compulsory insurance is insured once in the previous year, but the accident does not cause death, the second year's premium is not**, but it cannot enjoy any discount; If the accident caused the death of someone in the previous year, the premium for the second year will be **30%.

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability." , which is a road traffic accident caused by an insurance company on an insured motor vehicle.

Compulsory liability insurance that causes personal and property losses to the victim (excluding the vehicle personnel and the insured) and compensates within the liability limit. Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

Passenger cars, police cars, general prisoner cars, and general ambulances used by hospitals for driving instructors, postal companies for postal services, and courier companies for express delivery services.

Funeral vehicles in accordance with their driving licenses.

The approved number of passengers indicated on the list shall be subject to the rate of the corresponding enterprise non-commercial passenger car.

Benefits of Compulsory Insurance:

1.Compulsory traffic insurance does not need to be transferred, you can directly go to the insurance company to apply for a name change; Compulsory traffic insurance is common throughout the country and can be used directly; Both ID cards are required.

A photocopy, a copy of the current driving license, the first page of the property registration certificate and the page with your name can be faxed to the insurance company where you purchased, and you can handle it through the assistance of the local insurance company.

2.The disadvantages of not buying compulsory traffic insurance, compulsory insurance is a compulsory type of insurance by the state, and only the purchase of compulsory traffic insurance can be registered, and simply put, if you don't buy compulsory traffic insurance, you can't go on the road, that is, if you have a car, it is equivalent to no car.

3.Precautions for purchasing compulsory traffic insurance, when applying for insurance, the policyholder shall truthfully fill in the insurance policy, truthfully inform the insurance company of important matters, and provide the driving license and driver's license of the insured motor vehicle.

Copy; When signing a compulsory traffic insurance contract, the policyholder shall pay all the insurance premiums at one time. Not in the terms of the insurance and the premium rate.

request the insurance company to attach other conditions; An insurance symbol should be placed on the insured motor vehicle.

No road accidents attributable to the previous year can be reduced by 10%.

According to Article 6 of the Interim Measures for the Floating Rate of Compulsory Insurance for Motor Vehicle Traffic Accident Liability, the floating standard of compulsory traffic insurance rate is calculated according to the road traffic accident that occurs in the insured motor vehicle. Motorcycles and tractors do not float for the time being.

Article 7 The floating ratio A linked to road traffic accidents is one of A1 to A6 and is not cumulative. If multiple floating factors are satisfied at the same time, it shall be calculated according to the higher of the upward or downward floating ratio.

Article 8 If only a road traffic accident without liability occurs, the compulsory traffic insurance rate can still enjoy downward floating.

Article 9 The calculation range of the floating factor is between the date of issuance of the previous policy and the date of issuance of the current policy.

If it does not, the compulsory traffic insurance will not affect the premium of the second year. The rate floating standard of commercial auto insurance only refers to the number of commercial auto insurance trips of the car owner, and is not affected by the number of trips of compulsory traffic insurance.

Compulsory traffic insurance is a compulsory liability insurance that the insurance company compensates the victim (excluding the vehicle personnel and the insured) for personal and property losses caused by road traffic accidents caused by the insured motor vehicle within the liability limit. In layman's terms, any loss caused to a third party (except for the car and the people on the car), regardless of whether it is liable or not, is within the scope of compulsory traffic insurance. When liable, the third party property loss can be compensated up to 2,000 yuan; When there is no liability, the maximum compensation for the loss of third-party property is 100 yuan.

It is worth mentioning that if the property damage caused to a third party is large2000 yuanThe limit of compulsory traffic insurance is not enough to compensate, and the rest should be purchased by the car owner in the commercial auto insuranceThird Party Liability InsuranceResponsible for compensation. WhileOnce the reimbursement is made by the commercial auto insurance, it will affect the rate of the commercial auto insurance for the following year.

If the car insurance customer has purchased compulsory traffic insurance and commercial car insurance insurance in the previous yearThere is no record of compensation payments for closed cases, then they can enjoy the preferential treatment of no compensation rate reduction, and the annual discount is discounted, J or for customers who have not been out of insurance within three years, the maximum can be givenpreferential rates.

Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability

Article 21:If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law. If the loss of a road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.