Does compulsory traffic insurance count the number of accidents? Will the premium increase in the se

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 not been involved in a road accident for which he or she is responsible in the previous two years, the premium for the second year will be reduced by 20%;

If the user has not been responsible for a road traffic accident in the previous three years or more, the premium for the second year will be reduced by 30%;

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 of the second year of commercial insurance should be determined according to the regulations of the insurance company, and the preferential policies of commercial insurance of different insurance companies are different, and the specific details need to contact the insurance company for consultation.

Insurance**According to the model, different types of insurance, insurance** will be different, different insurance companies and different models of car insurance** may be different, if it is Ping An insurance, you can call Ping An car insurance property insurance accident insurance 95511-5 consultation.

Rates of compulsory liability insurance are floating:

If there is no traffic accident in the previous year, a copy of the policy of the previous year --- 10% discount

If there is no traffic accident in the first two years, a copy of the policy of the previous year (10% discount confirmed in the previous year) - 20% discount

If there is no traffic accident in the first three years, a copy of the policy of the previous year will be provided (the discount of 20% confirmed in the previous year) - 30% discount

First insured or one traffic accident (no fatalities) in the previous year - base premium.

In the event of 2 or more traffic accidents (no fatalities) in the previous year, an additional 10% will be charged

In the event of a traffic fatality in the previous year--- 30% of the fee will be added

If you apply for compulsory traffic insurance, the original price will be restored, regardless of the number of times, and the original price will be restored once. To apply for commercial third-party insurance, it depends on the specific regulations of each company. You can consult the salesman of the company where you purchased the insurance in detail.

If the compulsory insurance is out once, the premium of the compulsory insurance will not rise in the second yearRenewal is based on the basic premium rate. According to Article 8 of the Interim Measures for the Floating of Compulsory Insurance Rates for Motor Vehicle Traffic Accident Liability, if only a non-liability road traffic accident occurs, the compulsory traffic insurance rate can still enjoy downward floating.

There are two main parts to the cost of compulsory liability insurance, which are the basic premium and the floating rate, and the final premium of compulsory liability insurance is calculated as follows:

Final premium of compulsory liability insurance = basic premium of compulsory liability insurance (1 + floating rate x linked to road traffic accidents, x is the value corresponding to one of the ABCDE schemes).

For example, for a 5-seater private car, the premium for compulsory traffic insurance is $950.

1. If the insurance is out once, the premium will be restored to 950 yuan;

2. If there are two or more traffic accidents with responsibility, the cost will rise by 10%, which is 950 + 950 * 10% = 1045 yuan;

3. If there is a responsible traffic fatality, the floating will be higher, up 30%, that is, 950 yuan + (950 30%) = 1235 yuan.

4. If there is no insurance in this year, the cost of the second year is 950 yuan minus 950 yuan * 10%, which is 855 yuan;

5. If there is no insurance this year, it is equivalent to not being out of insurance for two consecutive years, and 950 yuan * 10% is subtracted on the basis of 855 yuan, which is 760 yuan;

6. In the third year, subtract 950 yuan * 10%, which is equivalent to 30%, which is 665 yuan; If the fourth and fifth years are still paid by 30%, 30% is capped.

7. If there is no insurance, the compulsory traffic insurance can save up to 30% of 950 yuan, which is 285 yuan.

It won't go up. The rate of compulsory traffic insurance is fixed, the rate of compulsory traffic insurance is related to the accident of the car in the previous year, and there are two or more compulsory traffic insurance liability accidents that have been paid in the previous year and the car is the main responsible party, then the premium of the next year will rise by 10% as a penalty, of course, there are penalties and rewards. If there is no major liability accident in the previous year, you can enjoy a discount of 10% of the premium in the next year.

Compulsory traffic insurance is a mandatory type of insurance, and the first insurance needs to be paid according to the price list, and the annual cost of a general private car is 950 yuan. At the time of renewal in the following year, the final premium is the basic premium (1 floating rate associated with road traffic accidents) (1 floating rate associated with traffic safety offences).

Compulsory traffic insurance is paid according to the type of car, and the compulsory insurance will not rise several times.

Whether it goes up or not is relative. If you are a new car in the first year (5-seater family, the standard premium for the first year is 950 yuan), and the compulsory traffic insurance is insured once, the renewal premium in the next year is the same as the previous year (950 yuan), and it does not rise; If you have not had an insurance car for two consecutive years (760 yuan this year), you will be insured once, and the renewal of the policy in the next year will return to the standard premium (950 yuan), which will rise sharply.

Yes, it will be a little more expensive to pay the next year.

It's not going up, it's going back to the original price, and it's going up after two times.

Whether the premium for the second year after the compulsory traffic insurance will be ** depends on the actual situation:

If the compulsory traffic insurance is insured once but does not involve a fatal accident, the second year's premium will not enjoy any discount, that is, it will not **, but there is no discount;

If the compulsory traffic insurance is insured once but involves a fatal accident, the second year's premium**30%;

If there are two or more cases of compulsory liability insurance, the second year's premium**10%.

1. Motor vehicle insurance, that is, automobile insurance (referred to as automobile insurance), refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents of motor vehicles.

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. 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. Mobile insurance.

1. Motor vehicle insurance is a kind of insurance that uses motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject of insurance. Motor vehicle insurance can be divided into two categories: compulsory traffic insurance and commercial insurance, and commercial insurance can be specifically divided into two parts: basic insurance (also known as main insurance) and additional insurance. Motor vehicle insurance was born at the end of the 19th century, and the world's earliest motor vehicle insurance policy was issued by the British "Legal Accident Insurance Company" in 1895, with an insurance premium of 10 pounds to 100 pounds.

2. Mobile insurance.

Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle loss insurance and third-party liability insurance, full vehicle theft insurance (theft insurance), and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).

3. Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, vehicle cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, and special insurance excluding deductibles. Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured. On-board liability insurance, no-fault liability insurance, on-board cargo drop liability insurance, etc., are additional risks to third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured; Each insurance plan can be insured independently, excluding deductibles.

Under normal circumstances, the second year's premium will not**. Premiums will only be paid in the case of consecutive.

There are two types of changes in premiums for the second year after a car insurance policy is issued once:

1.The first is that the premium will increase.

If you are insured by the same company, apply once in the first year and plan to renew in the second year, the required premium may increase. The reason is that the insurance company paid more compensation last year, and the insurance company will naturally use other methods to make up for its own losses last year. Also, if you make the insurance company bear a huge amount of compensation in the first year of insurance, then the insurance company will think that the same situation may happen this year, so the insurance company can only increase the amount of insurance for the customer by increasing the premium.

2.Premiums remain the same.

First of all, a once-a-year adventure is a relatively rare adventure. If the amount of compensation from the insurance company is not very high, then the insurance company will generally not increase the cost of insurance. If the premium is raised only once without causing a huge loss, then some people may go to other insurance companies to buy insurance.

Under normal circumstances, insurance companies do not raise insurance premiums unless the insurance compensation amount for the previous year is too high, so I hope that all car owners can drive safely.

Car insurance is divided into compulsory traffic insurance and commercial insurance, although we said above that there will be no increase in premiums, but in fact, the premium of car insurance once and in the second year** is actually increased compared with the first year.

Extended Information:1Compulsory traffic insurance.

Compulsory insurance will not affect the premium of the second year, that is to say, the premium of the second year will not**, but you will not be able to get a preferential exchange rate of 10%, which is equivalent to a premium in disguise**.

2.Business Insurance.

Commercial insurance accidents are similar to strong insurance accidents, and the second year premium will not**, but the rates for commercial insurance accidents will not be discounted. Therefore, if the damage caused by the traffic accident is small, it may be more cost-effective to get a discounted premium for the second year without showing up.

What is included in car insurance.

1.Compulsory traffic insurance.

Compulsory traffic insurance must be purchased. Some netizens summed it up in one sentence: paying a high amount of insurance doesn't mean you don't want to buy it.

It is illegal to hit the road without paying a high insurance premium. Although traffic insurance is paid to the other party after an accident, not to the car owner, it is a must-buy item and is non-negotiable.

2.Business Risk.

Other business risks, such as water-related risks, self-expansion risks, car scratch risks, glass breakage risks, theft insurance, and other additional risks, can be carefully selected by the car owner based on their own conditions (e.g. driving skills, vehicle condition, parking environment, etc.). Not only will you save money on your premiums, but you will also get more comprehensive insurance coverage.

3.Third-party liability insurance.

Paid to the other party after the accident. Because the compensation for paying strong insurance is limited, if you crash into a luxury car, the amount of insurance paid for strong insurance is really not enough. Therefore, we can understand that third-party insurance is an enhancement and supplement to compulsory traffic insurance, and it is recommended to start with the insured amount of 1 million.

After all, after an accident, the person is injured and the other party's car is damaged.

If you use compulsory traffic insurance to take out insurance, even if you only have one insurance, the premium of the second year's compulsory traffic insurance is disguised. If there are two or more accidents, then the premium of the compulsory insurance in the second year will be**. However, for commercial auto insurance, as long as there is no insurance in the previous year, even if the compulsory traffic insurance is out of insurance, it will not affect the premium discount for the second year.

In the case of compulsory insurance, only the premium of the second year of compulsory insurance will be **, and commercial auto insurance can still enjoy discounts.

The number of accidents and the severity of the accident are important factors that will affect the premium of the following year. Under normal circumstances, if the compulsory traffic insurance is insured once and the accident is not serious, and there is no personal **, then it will not have an impact on the premium of the next year, and the premium of the second year is still the same as the premium of the first year. However, if the compulsory traffic insurance is more serious and causes personnel, then the premium for the second year will be about 30% on the basis of the premium for the first year.

In addition, if there are too many occurrences of compulsory insurance, it will also lead to the premium of the following year**. If the owner has not been insured for a certain number of years, he can also enjoy a certain premium discount.

Precautions for compulsory traffic insurance:

The compulsory implementation of compulsory traffic insurance must have its necessity, which can ensure the compensation of victims of motor vehicle road traffic accidents and promote road traffic safety. Compulsory traffic insurance provides timely and basic protection for traffic accident victims, and it is necessary to purchase it. Therefore, all car owners must be insured.

When compensating for compulsory traffic insurance, it will involve a property loss, and car owners need to clarify what the definition of property loss is, property loss refers to the actual damage to the existing property of the victim at the scene of the accident caused by the road traffic accident of the insured motor vehicle. If it is the loss of one's own things or the loss of property in the insured vehicle, it is not covered by the compulsory traffic insurance.

There are five main differences between compulsory traffic insurance and commercial insurance:

First, the principle of compensation is different.

Second, the scope of protection is different.

Third, it is mandatory.

Fourth, according to the provisions of the "Regulations", the compulsory traffic insurance implements a unified national insurance terms and basic rates, and the China Insurance Regulatory Commission follows the compulsory traffic insurance business as a whole"No profit, no loss"The principle of approval rates. It can be seen that the purchase of compulsory traffic insurance is basically the same.

Fifth, the compulsory traffic insurance implements a sub-liability limit. It can be seen that the purchase of compulsory traffic insurance should clarify the sub-responsibilities.