My car is out of insurance, how much will the premium increase the next year?

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?

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.

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 first year of the new car compulsory insurance and commercial insurance are not discounted, the second year of the insurance compulsory insurance and commercial insurance and the first year of the premium are the same as the original price, the second year premium is not discounted, if there is no insurance in the first year of compulsory insurance and commercial insurance will have a certain discount.

The first year of compulsory traffic insurance is purchased according to the original price, there is no insurance within one consecutive year, the insurance premium of the next year will drop by 10%, if the insurance is out of the insurance once, the premium of the next year is the original price, taking the first year of the new car compulsory insurance of 950 yuan as an example, the insurance is out once, and the second year is still 950 yuan;

The first year of commercial insurance for a new car is based on the original price, and if there is no insurance in the first year, the premium will be 85% off in the next year, and if the insurance is out once in the first year, then the premium for the next year will not be discounted.

After the insurance once, the range of a lot of premiums has not increased significantly, the increase rate is very small, many accidents after the fourth accident, or the loss ratio reaches 100%, the premium will rise significantly, the rate of increase is 10% to 20%.

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.