After the rate of compulsory liability insurance, will the premium of compulsory liability insurance

I really don't know if the 15%** upstairs is coming, I can send you the detailed rules if needed. 10% if you haven't been out of insurance for one year, 20% if you've not been out of insurance for two years, and if you haven't been out of insurance for the first two years, you can already drop by 20%. In the third year, there was an accident, and the year did not enjoy the float, and the back continued to float by 10%, the highest float was 30, that is, 7% off, the original price of the 5-seater car for family use was 950, and the lowest could be lowered to 665, which was the ticket price, and the salesman could be a little more discounted.

However, it is not easy to make a 10% commission point in Beijing, and generally only 4 points can be allowed. It is recommended that you find a few more salesmen, and some companies can still float after the accident, which will not affect the later claims. I'm from a car club, and our company has done a few insurances, and some of them can float, and you don't know if you can find them.

In the event of an accident, the compulsory rate is not floating. Your car should be a sedan for five people. Then after the accident, it should be 950 yuan per year.

It's the same for every company**. The compulsory rate is fixed. 950 You may withdraw 10% of the handling fee and charge you 855.

I think that no matter how many times you haven't been out of danger before, but in the third year, there is a fault accident and you report the crime, there will be no discount!

Therefore, if you have an insurance in 09, there will be no discount in 2010, and you can get a 9% discount in 2011 if you are not out of insurance in 2010, which is 855! In 2011, there was still no insurance, and in 2012, you can get a 20% discount, which is 760!

If there is no traffic accident in the previous year, it will be reduced by 10;

If there is no accident in the second year, it will be reduced by 15;

If there is no accident in the third year or more, the maximum drop is 20.

Conversely, if there are two or more traffic accidents with responsibility in the previous year, it will rise by 15; In the event of a fatal accident attributable to liability, the maximum increase is 30.

In the case of an accident-free accident in the previous year, it will also drop by 10;

That's the rate. More precise.

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.

After PICC car insurance was issued three times, the premium was raised.

If the vehicle owner has not been involved in a traffic accident in the previous year, the premium can be reduced by 10%; if it has not occurred for two consecutive years, it will be reduced by 20%; If it has not occurred for three consecutive years or more, it will be reduced by up to 30%; On the contrary, if there are two or more traffic accidents with liability in the previous year, it will increase by 10%; In the event of a fatal accident attributable to liability, the maximum increase is 30.

There is no discount for the first purchase of compulsory traffic insurance, such as no accident in the first year, 10% discount in the second year, no accident in the second year, 20% discount in the third year, no accident in the third year, and 30% discount in the fourth year. The maximum discount is 30%.

The ** of compulsory traffic insurance is related to many factors. There may be a difference between the first purchase and the second purchase. The first purchase of compulsory traffic insurance, the ** of compulsory traffic insurance is related to the model.

According to the relevant regulations of compulsory traffic insurance, the basic premium of compulsory traffic insurance to be paid by different models of Fengtan is different. However, for the same model, the whole country implements unity**.

The formula for calculating compulsory liability insurance is: basic premium (1 + floating rate associated with road traffic accidents) (1 + floating ratio associated with traffic safety violations).

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The compulsory liability insurance is out of insurance, and the premium algorithm for the second year of compulsory liability insurance is as follows:

1. If the number of accidents of the previous year's compulsory traffic insurance is 1 time, then the premium of the second year will not be **, and the premium of the previous year will be the same;

2. If the number of accidents of the previous year's compulsory traffic insurance is 2 times or more, then the premium for the second year will be about 10%;

3. If there are people in the traffic accident of the compulsory traffic insurance in the previous year, the premium for the second year will be about 30%.

Extended information: 1. Compensation scope of compulsory traffic insurance:

1. If the other party is injured personally, it shall compensate for the reasonable expenses incurred for ** and **, such as medical expenses, nursing expenses, transportation expenses, nutrition expenses, and hospital meal subsidies, as well as the income reduced due to lost work;

2. If the death of the other party is caused, the funeral expenses and death compensation shall be compensated;

3. If property loss is caused, it is necessary to compensate the other party's property loss, and the property loss is calculated according to the market or other reasonable methods at the time of the loss.

2. The following situations are not within the scope of compensation of compulsory traffic insurance:

1. Personal injury and property loss caused by the victim's intentional behavior, such as suicide, self-harm, porcelain bumping, etc.;

2. The insured vehicle personnel and the insured as specified in paragraph 3 of the Regulations on Compulsory Insurance of Traffic Accident Liability;

3. Arbitration or litigation fees and other related expenses caused by traffic accidents;

4. Indirect losses, such as the impairment of the value of the vehicle due to a collision.

3. How much is the maximum amount of compensation for compulsory traffic insurance?

1. The maximum amount of liability compensation for compulsory traffic insurance, the compensation limit for motor vehicles in traffic accidents is, the compensation limit for death and disability: 110,000 yuan, the compensation limit for medical expenses: 10,000 yuan, and the compensation limit for property damage

2,000 RMB. In other words, if the owner of the car has not purchased any commercial insurance, and the owner is fully responsible, it is excluded that the owner is drunk driving and intentionally hurting people. Then, he can be compensated up to 10,000 yuan.

2. The maximum compensation for non-liability compensation of compulsory traffic insurance, the compensation limit for motor vehicles without liability in road traffic accidents, the compensation limit for death and disability: 11,000 yuan, the compensation limit for medical expenses: 1,000 yuan, and the compensation limit for property damage

100 RMB. In other words, even though there is no liability, the damage caused to the other party (a third party) is also compensated. It's just that the amount of compensation in this case is very low, and at most you can only get 10,000 yuan.

Under normal circumstances, if there is a liability but not involving death accident in the previous year, the second year can not enjoy the premium discount of the compulsory insurance, if there are two or more accidents in the previous year, the premium of the second year's compulsory insurance **10%, if there is a traffic fatality accident in the previous year, the second year's compulsory insurance premium **30%.

1. The rate of compulsory traffic insurance is floating, and there is no road traffic accident in the previous year, and the floating rate is -10%.

2. There was no road traffic accident in the last two years, and the floating rate was -20%.

3. In the last three years, there was no responsible road traffic incident, and the floating rate was -30%.

4. In the case of a road traffic accident in the previous year, the floating rate is 0%.

5. In the previous year, there were two road traffic accidents that did not involve death, and the floating rate was 10%.

The rate fluctuation in a motor vehicle insurance policy refers to the discount of compulsory insurance.

Rates of compulsory liability insurance are floating:

There was no traffic accident in the previous year, and a copy of the previous year's insurance Huai filial piety certificate --- 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 has been confirmed by 20% in the previous year) - 30% discount

First time 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

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

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.

The rate of compulsory traffic insurance is fixed, and if you have an accident, it should be that you should enjoy less discounts, and it cannot be said that it is a price increase. It is illegal to raise the price.

The rate of compulsory traffic insurance is related to the accident situation of the car in the previous year, and if there are two or more accidents in the previous year that have been paid for the compulsory traffic insurance and the car is the main responsible party, the premium of the next year will be increased by 10% as a penalty; If death is caused in a principal accident, the premium will be increased by 30% for the following year. Of course, there are punishments 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.

Exit the policy once and revert to the standard premium.

Answer: Hello, if the compulsory insurance is out once, the premium of the compulsory insurance will not rise in the second year, and it will continue to be paid according to 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.

Taking a 5-seater private car as an example, the premium for compulsory traffic insurance is 950 yuan.

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.