Is there a difference between the premium for the second year between Loss Assessment 1000 and Loss

The amount of premium for the second year is determined according to the situation of the previous year, according to Article 4 of the Interim Measures for the Floating Rate of Compulsory Insurance for Motor Vehicle Traffic Accident Liability, the final premium of compulsory insurance is calculated as follows: final premium of compulsory insurance = basic premium of compulsory insurance (1 + floating rate linked to road traffic accidents).

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There is a difference. The number of car insurance accidents is linked to the premium Once a year: 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. There is compensation for commercial insurance, and commercial insurance is required for the second year.

The second year's premium** is linked to the number of accidents. If it is a one-time accident, the premium will not go up. If there is no insurance in the previous year, the premium can be reduced by 10% for the following year

1. Regarding the amount of damage, there will be a relatively large gap between ordinary repair shops and 4S shops, and there is a situation where the repair cost is twice as much, and whether it is greasy or not will not have an impact on you.

2. For the owner, as long as the vehicle is repaired completely and satisfied, it is impossible to obtain additional benefits from it, as for the level of compensation will not affect the level of the premium, the premium calculation is linked to the number of times you have been insured, not the amount of compensation.

Mobility insurance. 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.

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, vehicle theft insurance (theft insurance), and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).

Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, on-board cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, excluding deductible special insurance, etc. 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.

The first thing to look at is whether you are not liable for insurance, if there is no difference in the premium. If you are responsible, your premiums will definitely increase next year. And the difference between 1000 and 5000 is the same, because it has gone beyond the fixed one.

From the perspective of judicial practice, there should be, however, it also depends on the service life of the vehicle, etc., and you can consult the insurance company specifically.

There must be a difference, the more you reimburse, the higher the premium for the second year.

There is a difference between the premium for the second year between a fixed investment of 1000 and a loss assessment of 5000.

The second year's premium is also paid according to the base premium, and there will be no ** situation. Car damage insurance has nothing to do with the premium, only with the number of accidents. For example, if there are more than 2 or more accidents but no fatal accidents, the premium will be **10%; If there is no death in one accident, the premium will not be **, but if there is death in one accident, the premium will be **30%.

1. Loss assessment refers to the insurance company's determination and verification and classification of losses within the insurance scope caused by accidents.

2. For example, after a vehicle accident, the insurer calls the insurance company, and the insurance company needs to assess the damage of the insurance security check, and the general process is: understanding the approximate cause of the accident and vehicle information, on-site exploration, collecting claim information, damage assessment, waiting for the claim, and passing the claim. It should be noted that some insurance companies may only explore and verify the external damage of the accident, and some internal damage is not verified.

Extended information: 1. Premium, also known as insurance premium, is the fee paid by the policyholder to the insurer in accordance with the insurance contract in order to obtain insurance protection.

2. Insurance premium refers to the cost paid to the insurer when the policyholder participates in the insurance according to the insurance rate set at the time of insurance. The insurer is required to pay insurance benefits when all or part of the insured property is damaged by disasters and accidents, or when personal accidents occur in life insurance. The premium is made up of the amount insured, the premium rate, and the duration of the insurance.

The amount of insurance premium is directly proportional to the size of the insurance amount, the level of the insurance rate and the length of the insurance period, that is, the larger the insurance amount, the higher the insurance rate, and the longer the insurance period, the more the insurance premium. It is the obligation of the policyholder to pay the insurance premium. If the insured does not pay the insurance premium on time, the insurance contract will be invalid in the case of voluntary insurance; In compulsory insurance, a certain amount of late fees are attached.

3.Factors that affect premiums.

Insurance plan: The more items covered, the higher the sum insured, and the longer the coverage period, the more expensive the premium.

Insured: Insurance protects people's life and health, everyone's physical condition is different, so the premium will be affected by the insured's gender, age, etc., if the body is not healthy, there may be an increase.

Insurance company: insurance is a commodity, different companies have different business strategies, and the requirements for profits are also different.

1. If there is no traffic accident for one consecutive year, the premium will be reduced by 10%;

2. If there is no traffic accident for two consecutive years, the premium will be reduced by 20%;

3. If there is no traffic accident for three consecutive years or more, then reduce it by 30%.

Automobile loss adjuster is a professional and technical personnel who conduct a comprehensive analysis of the automobile collision and accident scene through scientific and systematic professional inspection, testing and survey methods according to the principle of automobile construction, and use vehicle damage assessment data and maintenance data to scientifically and systematically assess the damage and determine the price of vehicle collision repair.

The premium refers to the insurance rate set by the insured person at the time of insurance when he or she participates in the insurance.

Fees paid to the insurer. When the insured property suffers total or partial loss due to disasters and accidents, or life insurance.

In the event of a rapid destruction of the wild, the insurer must pay the insurance money.

The loss assessment rate for motor insurance** is calculated based on the number of trips in the second line of the accident, not the amount of the claim for the accident. In the case of two or more accidents for the user's car, and the amount of more than 30,000 claims exceeds the user's premium in the previous year, the insurance premium for the next year will be about **10%, commercial insurance.

The premium will be about 20%, so the insurance premium can be increased by about 2,000 yuan if the loss is assessed at 18,000 yuan.

1. What does damage assessment mean?

Damage assessment: When the insured vehicle is involved in a traffic accident, the insurance company's first thing is to go out to the scene to investigate the loss of the insured vehicle.

Vehicle damage assessment is based on the principle of automobile construction, through scientific and systematic professional inspection, testing and survey methods, a comprehensive analysis of the automobile collision and accident scene, and the use of vehicle damage assessment data and maintenance data to carry out scientific and systematic damage assessment and pricing for vehicle collision repair.

2. How long does it take for the insurance company to assess the loss?

If the damage is local, the insurance company can complete the damage assessment within one working day. If the damaged land is in the field, it will take one to three working days. However, after the loss assessment is completed, the compensation will be verified, and the compensation will be obtained in about a week.

3. The insurance company's loss assessment process.

1. After receiving the report from the owner, first understand the general situation of the accident on the first answer;

2. If there is an accident scene, it is necessary to go to the scene within the agreed time to investigate and take pictures, and the preliminary judgment is not within the scope of insurance compensation, and it is necessary to notify the traffic police to determine responsibility;

3. Claim adjusters collect and sort out relevant information;

4. The staff goes to the maintenance plant or 4S shop to carry out damage assessment and verification of the maintenance of parts**. After verification, inform the owner whether he agrees with the amount after the verification, and if there is no objection, the claim will be settled;

5. The insurance company will hand over the information step by step and wait for the final claim to be approved;

6. After the compensation is passed, the owner of the car will be able to receive the compensation fee. As for the method of collection, each company is different.

Summary. Hello, it will be about 400 more expensive next year. As long as the car is repaired in a year, it does not arrive or more than three times.

The second year premium of 3000 is generally not increased. The amount of premium is generally related to the number of accidents in a year, and has little to do with the amount of insurance, and it also depends on the relevant regulations of the specific company.

Hello, the lower oak bridge is about 400 more expensive a year. As long as the car is repaired in a year, it does not arrive or exceeds the beam leakage three times. The second year premium of 3000 is generally not increased.

The amount of premium is generally related to the number of accidents in a year, and has little to do with the amount of insurance, and it also depends on the relevant regulations of the specific company.

Hail assessment refers to the insurance company's determination and verification of the losses within the insurance scope caused by the accident. For example, if you have an insurance policy once a year, the insurance cost will not be discounted in the next cycle; If you go out twice in a year, the cost will increase by 25% in the next cycle

Legal analysis: insurance within 2000 can be directly claimed to consumers.

Legal basis: Article 9 of the Guidelines for Insurance Small Claims Service (Trial) For small claims for motor insurance, the claim documents shall be simplified according to the following requirements:

1) Consolidation of claim documents. Insurance companies should integrate claims application, entrustment authorization, transfer authorization, investigation records, loss confirmation and claim notification into the motor vehicle insurance small claim application, and implement "all-in-one" documents.

2) Simplified certificate proof. For unilateral accidents, consumers only need to present "three certificates and one card" (driving license, driver's license, valid identity certificate of the insured, bank card or account of the beneficiary), and the insurance company will verify the original documents and take photos for retention; For non-unilateral accidents, consumers are also required to provide proof of liability determination and amount determination. Insurance companies are encouraged to innovate ways and means of collecting information on certificates and certificates.

3) Reduction and exemption of maintenance invoices. If the amount of vehicle loss is less than 2,000 yuan, the insurance company can reduce the car maintenance invoice and pay compensation directly to the consumer according to the loss result confirmed with the consumer (except for those who receive compensation on behalf of the consumer). If it exceeds 2,000 yuan, the insurance company may require the consumer to submit an invoice or the original invoice**.

If the consumer goes to the maintenance company of the insurance company to repair the vehicle, the insurance company and the maintenance company can directly hand over the invoice, and the consumer will no longer provide it.

4) Exemption of meteorological certificates. In the event of a large-scale meteorological disaster, the insurance company shall refer to the meteorological report published by the meteorological department when making a claim, and the consumer shall not be required to provide a meteorological certificate.

Insurance damage assessment is an important part of the entire claim, although the vehicle damage assessment is not decided by the car owner, but the car owner must understand the entire damage assessment process, otherwise the insurance company's loss assessment is unreasonable. Therefore, only by being familiar with the damage assessment process can we better protect our own interests.

Damage assessment process:

1. After a traffic accident occurs, it is necessary to call the police immediately and protect the scene of the accident in time, which involves the key link of the division of accident responsibility;

2. At the same time, call the insurance company** and ask the investigators to go to the scene of the accident to conduct an investigation and determine whether it is an insurance liability;

3. The vehicle is towed to the designated maintenance plant, and the damage assessor will verify the damage to the vehicle, and then issue a damage assessment order, if the owner agrees to the amount on the damage assessment order, there is no objection to sign and start the claim;

4. After the insurance company collects the claim materials and then completes the approval, it can notify the car owner to receive the compensation.

What should I do if the insurance company's loss assessment is unreasonable?

This is the most common dispute in the loss assessment, many car owners think that the insurance company's loss assessment is unreasonable, and should refuse to sign on the loss assessment form, otherwise the signature means that you agree with the amount of the insurance company's approved expenses, and then regret it is useless. Therefore, after the vehicle is repaired, it should be claimed to the insurance company according to the cost of repair.

The reason for the difference between the insurance company's damage assessment amount and the car repair amount:

1. The loss assessor negligently omitted the project;

2. The qualification level of the repair shop is different;

3. The loss caused by the improper operation of the repair shop increases;

4. The owner himself is not operating properly, and the operation loss is expanding.

In the first and second cases, the insurance company can be given an additional amount of damage; In the third case, the repair shop is responsible for the difference; In the fourth case, the owner can only bear the loss.