If there are too many car insurance repairs, will it affect the second year of insurance?

Yes, there is no impact on the insurance application for 1 time, and the discount for the insurance application for the insurance application is reduced by 7%, and the more insurance reports are made, the more expensive the insurance premium will be in the second year.

After the fee reform, the insurance company gives the highest level, not only depends on the car owner's accident rate in the previous year, but also refers to the car owner's driving habits and driving risks. 1 time of insurance, the premium is not discounted; 2 times of insurance, the premium will increase by 25%; 3 times out of danger, up 50%; 4 times out of danger, up 75%; 5 times out of the insurance, the premium doubled. As long as it is an accident, it will affect the premium of the next year, no matter how big or small, so the insurance maintenance of the car will affect the premium of the next year.

After the fee reform, the insurance company gives the highest level, not only depends on the car owner's accident rate in the previous year, but also refers to the car owner's driving habits and driving risks. 1 time of insurance, the premium is not discounted; 2 times of insurance, the premium will increase by 25%; 3 times out of danger, up 50%; 4 times out of danger, up 75%; 5 times out of the insurance, the premium doubled. As long as it is an accident, it will affect the premium of the next year, no matter how big or small, so the insurance maintenance of the car will affect the premium of the next year.

However, if you have not been insured in the previous year, the lowest car insurance rate can enjoy a 6% discount on the base rate, if you have not been insured for two consecutive years, the minimum premium can be discounted by 5%, and if you have not been insured for 3 consecutive years (or more), the minimum premium can be discounted to about 4%. Therefore, if the vehicle is only a minor damage, it is best not to report it to the insurance company, so that you can get a discount when you apply for insurance in the second year.

Extended information: In fact, buying insurance is to obtain the corresponding protection, there is no company regulation that customers can only issue insurance several times a year, but that the first two unilateral small accidents can be exempted from the investigation of the scene, you report the case is to use a free scene service, you can open a 4S store.

Inquire about the damage to your vehicle and the cost of repairing it, as well as the number of trips you need to calculate, as well as the number of trips to your insurance company on the insurance rate.

It is recommended that you understand what type of insurance you are going to insure for your next insurance.

And the approximate insurance premium, and the ** difference and maintenance cost of 1 time of insurance are compared.

Hello! At present, too many car insurance repairs will affect the second year of insurance**. The new policy stipulates that during the policy year, if the vehicle is not insured, the premium will be discounted for the second year; If the vehicle is insured once, the premium for the second year will not be discounted; If the vehicle is insured twice, the premium will increase by 25% in the second year. If the vehicle is insured 3 times, the premium will increase by 50% in the second year. If the vehicle is insured 4 times, the premium will increase by 75% in the second year. If the vehicle is insured 5 times, the premium will be doubled in the second year.

It can be seen that the more car insurance repairs in the first year, the more expensive the premium in the second year.

Normally, the impact of a car insurance claim on the second year is the impact on the premium, and generally a certain number of car insurance accidents will lead to the second year's premium**. Taking compulsory traffic insurance as an example, if the car insurance claims once, there will be no change in the premium for the second year; 2 or more trips will result in a 10% increase in the premium for the second year; And depending on the number of trips, the premium will increase by up to 30% in the second year. And commercial auto insurance.

Depending on the insurance company, the proportion of premium** corresponding to the number of accidents is also different.

Further information: After the car insurance claim is settled, the car owner will not be able to enjoy the preferential premium, whether he continues to renew the insurance with the original insurance company for the next year, or re-insures the insurance with another insurance company.

Because if you want to enjoy the discount of the next year's car insurance premium, the insured vehicle of the previous year cannot be insured. And you need to pay attention to the fact that too many accidents will also lead to an increase in the premium of the next year, such as compulsory traffic insurance and commercial auto insurance, which are basically two or more accidents in the previous year, and the premium will be increased in the next year. Depending on the number of trips, the premium may rise by about 10% to 30%.

If the insured vehicle was not insured in the previous year, then the premium for the next year can be discounted. And if the insured vehicle has not been insured for several consecutive years, then the next year's premium will be more discounted.

Whether it is for their own safety or for the next year's car insurance premium, car owners should be more cautious and strictly abide by traffic rules when driving on the road.

First of all, it should be noted that the compensation of compulsory liability insurance affects the premium of compulsory liability insurance and commercial insurance in the second year.

Claims affect the second year's commercial insurance premium.

Secondly, in the case of liability, the compulsory traffic insurance pays up to 122,000 yuan, and even if this money is compensated at one time, the premium for the second year of compulsory traffic insurance is only 10% higher than the benchmark premium of Zhongsen, that is, 1,045 yuan; The main impact of commercial insurance premiums is the "no compensation preferential coefficient", that is, according to the number of claims in the previous year (not the number of reports, just reporting cases without applying for claims will not be counted), the rules are:

No claims for three consecutive years -30%.

No claims for two consecutive years -20%.

No claims in the previous year -10%.

The record of 0-2 claims (including two times) in the previous year does not fluctuate.

3 claims in the previous year: 10%.

4 claims in the last year: 20% (dangerous).

30% of more than 5 claims records in the last year (the insurance company will selectively insure you with some commercial insurance, and now it is a good job for the insurance company to choose whether to ask you to be a customer socks imitation household, rather than which insurance company you want to go to.)

The impact of a car insurance claim on the second year is the impact on the premium, and generally the number of car insurance accidents will lead to the second year's premium**.

The criteria for excess premiums are as follows:

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

2. In the event of death in one or two accidents, the premium will be increased by 30% in the second year;

3. The amount of the claim for the two accidents does not exceed the premium, and the premium for the second year is not discounted;

4. Sun Qizao's claim amount exceeded the premium twice, and the premium rose by 10% in the second year;

5. The amount of compensation for three accidents does not exceed the premium, and the premium will increase by 10% in the second year;

6. If the amount of the claim exceeds the premium for three accidents, the percentage increase will be split by 30%.

Motor vehicle insurance.

That is, 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 mainly own various motor vehicles.

of bodies corporate and individuals; The subject matter of its insurance is mainly various types of automobiles, including special vehicles such as trams and battery cars, as well as motorcycles.

1. Does reporting car damage insurance have an impact on the second year's insurance?

1. Reporting car damage insurance has an impact on the second year's insurance. It may result in a second year car insurance premium**, depending on the division of liability for the accident.

1) If the insured motor vehicle party is not liable, the premium for the second year after the claim of the car damage insurance is not **;

2) If the insured motor vehicle is liable, the premium for the second year after the claim is settled**.

2. Legal basis: Article 4 of the Interim Measures for the Separate Accounting and Management of Compulsory Insurance Business of Motor Vehicle Traffic Accident Liability.

Insurance companies should accurately account for the operating profit and loss, exclusive assets and exclusive liabilities of compulsory liability insurance. The Company shall, based on the economic substance of the business, adopt scientific, reasonable and fair standards to accurately determine the attribution of various income and expenses.

Article 5. When an insurance company separately calculates the profit or loss of compulsory liability insurance, the choice of fund management method and accounting policy should treat the interests of policyholders of compulsory liability insurance and other insurance business holders fairly. The accounting policies of compulsory liability insurance should be the same as those of other insurance businesses.

When calculating the profit and loss of compulsory liability insurance, an insurance company shall not crowd out the costs of other insurance businesses, shall not arbitrarily allocate expenses, and shall not use operating expenses to crowd out indemnity expenses.

2. What are the circumstances under which car damage insurance can be reported?

1. Natural disasters that encounter force majeure and common natural disasters;

2. The car collides, and the driver collides with external objects when driving the vehicle, such as the railing;

3. Car damage caused by external reasons, such as other trees collapsing.

Car insurance is out of the blue. The second year's premium will have an impact.

1. Compulsory traffic insurance. Under normal circumstances, the compulsory traffic insurance is not insured in the current year, and the compulsory traffic insurance is 10% lower in the second year. And so on for three consecutive years.

The minimum reduction is 30%. The normal compulsory traffic insurance is 950 yuan, and if there is no insurance for three years, the compulsory traffic insurance will become 665 yuan. Once out of business, it will be restored to 950 yuan.

If you have two compulsory traffic insurances, add 95 yuan on the basis of 950 yuan, which is a 10% increase. If it goes out three times, it's a 20% increase.

2. If the commercial insurance is insured once in the same year. The damage caused is not very large. under 2,000 yuan.

Insurance is not floating. If the loss caused by the fiber rubber is relatively large. will float.

It can go up to 15%. If the commercial insurance is not out of the way in that year. There is a possibility of a 10% drop in the second year.

It is determined according to the specific situation of each insurance company. The insurance company has various promotions from time to time every year. Therefore, how much will it be lowered according to the regulations of the insurance company you are insuring.

To sum up, car insurance is out once. There is an impact on the insurance premium for the second year. Compulsory traffic insurance will lose a piece. Then commercial insurance is not preferential. That's a loss. Therefore, it is only a loss to go out of insurance, and the insurance in the second year will have an impact.