Hello, my car is insured once, and what is the proportion of insurance paid in the second year, that

Hello! According to the new policy of car insurance rates, at present, the vehicle is insured once, and the premium for the second year will not be discounted or **, and the car owner still needs to pay insurance according to the proportion of the previous year. That is to say, the car insurance cost of 5,000 yuan was spent for many years in the previous year, and the premium is still 5,000 yuan for the previous insurance type for more than the second year.

If you want to save money on renewing your car insurance, you should also drive cautiously and make as few trips as possible. In addition, if you choose to apply for car insurance online, the premium itself can be discounted by more than 15%, and Huize.com is a very good choice, and you can also get the whole process of claim assistance service in the later stage. PICC Auto Insurance Advantages:

15% savings on commercial insurance premiums*Nationwide unlimited free rescue claimsFeatures:*1 hour notice for compensation; Free rescue of broken down vehicles * remote insurance, on-site claims; Accident car custody Huatai car insurance insurance advantages: * online insurance, commercial insurance save 15% * free non-accident roadside assistance claim features:

Exclusive private claims consultant* efficient service, quality maintenance.

As long as you have applied for insurance, then your compulsory traffic insurance will be restored to 950 yuan in the second year, and other commercial insurance will be converted at 9% of the original price, and the specific amount depends on your car price and insurance configuration. If the general repair cost is less than 500 yuan, it is best not to report insurance.

For the first time or one traffic accident (no death) in the previous year - the base premium, if there are two or more traffic accidents (no death) in the previous year - the premium will be increased by 10%.

In the event of a traffic fatality accident in the previous year, the premium will be increased by 30%, if the insurance is not insured, the premium for the first year is 950 yuan for less than 6 seats, 855 yuan for the second year, 760 yuan for the third year, 665 yuan for the fourth year, 1100 yuan for the first year for more than 6 seats, 990 yuan for the second year, 880 yuan for the third year, and 770 yuan for the fourth year.

Precautions for car accidents.

For the accident of the insured vehicle, first of all, it is necessary to report to the claims department of the insurance company, inform the vehicle of the traffic accident, must be reported within 48 hours of the accident, the insurance company sent someone to the scene to investigate, and issue an "investigation report".

Next, you also need to call the 122 traffic accident police**, stating the address of the accident scene, waiting for the traffic police to come and deal with it, and the injured person will be sent to the hospital for treatment.

After the traffic police come, they will deal with the traffic accident and issue a letter of responsibility, such as full responsibility, primary responsibility, secondary responsibility, etc. For damage assessment and repair, the owner will send the vehicle to the damage assessment center (4S shop or repair shop) to assess the damage and notify the insurance company at the same time, and the insurance company will send a damage assessor to assess the damage.

Compulsory Insurance:

1. If you go out of insurance once (no fatalities), the premium for the second year of less than 6 seats will not rise. In the event of a death, the premium will be increased by 30% in the second year.

2. If there is an accident (no fatalities), the premium for the second year of more than 6 seats will not rise. In the event of a fatality, the premium will be increased by 30% for the second year.

Commercial insurance: commercial insurance in the previous year once out of insurance, the second year's premium is not floating, two or more commercial insurance will be **, **range according to the regulations of the insurance company.

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.

1. If the customer has one accident in one year, and the compensation amount is less than 80% of the insurance premium, then the second year's premium can be discounted by 7%.

2. If the customer has 2 accidents in one year, and the compensation amount is less than 80% of the insurance premium, the premium for the second year can be discounted.

3. If the customer has 3 accidents in one year, the premium will rise by 10% in the second year, and the insurance cannot be covered without deductible.

4. If the customer has 4 or more insurance trips in a year, the premium will have more room to rise, which can be as high as 30%, excluding deductibles and car damage insurance.

Summary: The above car insurance times and premiums are based on the car insurance payment regulations of a certain brand to be counted, and the plans given by different insurance companies are different, so you should confirm with the salesman.

The amount of premium increase for the first year of car insurance and the second year depends on the specific situation.

After the car insurance is out once, if it does not involve death, the premium of the car owner for the second year will not rise, that is, the cost will be the same as that of 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.

Ping An Insurance will increase the premium by about 10% or 30% in the second year after one accident.

If it is compulsory traffic insurance, if the insurance occurs once in the previous year but does not involve the death of the person, the premium for the second year will not be **, but it will no longer enjoy preferential discounts, and can only be purchased at the original price; Compulsory traffic insurance for vehicles with less than 6 seats is 950 yuan per year. If there is an accident in the previous year and the person is killed, then the spring loss fee will be increased by 30% in the second year.

In the case of commercial auto insurance, if there is a no-fault accident, the premium will not change much in the second year; If the insurance is insured once but the person dies, the premium may range from **10% to 30% in the second year.

If you want to apply for insurance correctly and quickly, you must pay attention to the following points:

1. If the responsible parties have no objection to the determination of responsibility, they can take photos to collect evidence and notify the traffic management department, and then report to the insurance company; Baopao Zhou Insurance Company will decide whether to go to the scene to investigate according to the situation, and you must prepare the claim materials in advance when making a claim.

2. If the vehicle is only slightly scratched, dozens of dollars or hundreds of dollars can be done, there is no great need to apply for insurance, you can go directly private, to avoid affecting the underwriting and premium adjustment of the second year.

3. If a major traffic accident occurs, such as a crash or rollover, the police and traffic management should be reported immediately after the accident, and the person should call 120 as soon as he was injured; Then report the case within 48 hours. <>

According to the latest car insurance regulations, if the car is insured once in a year, then the premium for the second year will remain the same and will remain the original**. However, if the insurance is out twice, then the premium for the second year will be **, generally **10%, if the accident involves personal death, the premium rate **30%, the actual insurance company accounting results shall prevail.

If your vehicle is insured twice within a year, then the rate of buying insurance in the second year should increase by about 30% to 50%.

If you apply for car insurance twice, the cost of buying insurance in the second year should increase to about 20%, and it is best not to use these insurances lightly.

According to the insurance company's car insurance contract, if you apply for insurance twice a year, the premium will increase by 25% in the second year. If you take out insurance three times a year, it will go up by 50%.

1. From the perspective of the law of compulsory traffic insurance, the premium of the second year of the vehicle insurance will return to the original price, which is equivalent to an increase of several hundred yuan and other expenses, and the specific amount will be determined according to your years and the time of the insurance.

According to the law of compulsory traffic insurance we buy now, if your vehicle is insured for the first time, then when you buy vehicle insurance in the second year, the cost of compulsory traffic insurance will return to the original price, and the cost of compulsory traffic insurance is about 900 yuan according to the inconsistency of each region. If your vehicle has been in full for three years and has not been insured in these three years, then your compulsory insurance amount will probably be around 700, and if you have an accident immediately, then your compulsory insurance amount will be restored to 900, instead of reverting to the previous year's compulsory insurance cost.

Second, from the perspective of the law of commercial insurance, the premium of the second year of vehicle insurance will be reduced accordingly, which will increase your premium to a certain extent, which will increase by several hundred yuan compared with your premium in the previous year.

According to the model of commercial insurance, as long as you have not had any accidents in recent years, then your annual commercial insurance will almost give you a corresponding discount, and the discount will increase again and again, this is because the insurance company insures you, and the profit he charges is also the highest, so he is willing to increase the discount for you. Commercial insurance is different from compulsory insurance, if you have an accident in the previous year, then your premium will be reduced in the second year, but not too much, and it will not revert to the discount of the first year, but will only be reduced in the discount of the previous year.

3. From the perspective of the entire car insurance market, the premium of the second year of vehicle insurance will be increased a little, but the magnitude will not be too large, and this amount mainly depends on your premium and your vehicle.

The cost of insurance for each vehicle is not the same, so there is no way to determine the exact amount, and even if the vehicle is insured once, there is no way to confirm the extent of the premium increase for the second year. If you purchased a higher premium in the previous year, the amount you raised in the second year will increase accordingly. If your vehicle itself is more expensive, then the amount you insure will increase accordingly, so that your increase will be even greater.

For ordinary vehicles to buy general insurance, the increase will basically be around 1000.

The situation is different in each region, and in general, it will increase by 10%, because the wear and tear is relatively large, so the corresponding cost is also relatively high.

If the insurance is not insured, the premium is reduced; If the insurance is insured 2 times or more, the premium will increase. Commercial insurance is not mandatory,** and is primarily determined by the insurance company. Commercial insurance discount coefficient = NCD coefficient of no compensation (NCD coefficient) * independent underwriting coefficient * independent channel coefficient * traffic violation coefficient.

In the absence of fatal accidents, the premium of car insurance is maintained unchanged once in the event of a fatal accident. If the insurance is not insured, the premium is reduced; If the insurance is insured 2 times or more, the premium will increase. If the insurance is caused by a fatal traffic accident, the premium discount for compulsory traffic insurance in the next year will be reset and adjusted by 30% on the basis of the base premium, while the calculation of commercial insurance premiums is much more complicated.

1. If there is no traffic accident in the previous year, a copy of the policy of the previous year --- 10% discount. 2. If there is no traffic accident in the first two years, provide a copy of the policy of the previous year (the discount of 10% confirmed in the previous year) - the discount is 20%. 3. If there is no traffic accident in the first three years, provide a copy of the policy of the previous year (the discount of 20% confirmed in the previous year) - 30% discount.

4. First time insured or one traffic accident (no death) in the previous year - base premium. 5. 2 or more traffic accidents (no fatalities) in the previous year - 10% additional fee. 6. In the event of a traffic fatality accident in the previous year--- 30% will be added.

Under normal circumstances, the compulsory insurance is subject to a 30% increase, and there are no specific provisions for commercial insurance, and the cost is different according to the different insurance companies.

An increase of about 30% is different each time, and the improvement rate of each type of car is also different.

If there are two accidents in one year, the insurance cost will increase by 20% in the second year, if there are three accidents in one year, then the insurance cost will increase by 50% in the second year, 4 times in one year, the insurance cost will increase by 75% in the second year, and 100% if there are 5 or more accidents. Therefore, we must pay more attention in the process of driving and try not to take insurance.

Extended Material: Claims Process.

1. File a case for investigation.

After receiving the notice of the accident, the insurer shall immediately send someone to conduct an on-site investigation to understand the loss and its causes, check the insurance policy, and register and file the case.

2. Review certificates and materials.

The insurer shall examine the relevant certificates and materials provided by the policyholder, the insured or the beneficiary to determine whether the insurance contract is valid, whether the insurance period has expired, whether the loss is the insured property, whether the claimant has the right to claim compensation, and whether the place where the accident occurred is within the scope of insurance.

3. Verify the insurance liability.

After receiving a request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall, after examining the facts and reviewing the documents, promptly make an assessment of whether it should bear the insurance liability and the extent of the liability, and notify the insured or beneficiary of the verification result.

4. Fulfill the obligation to pay compensation.

On the basis of the verification of liability, the insurer shall perform the obligation to compensate or pay the insurance money within 10 days after reaching an agreement with the insured or beneficiary on compensation or payment of the insured amount if it is an insurance liability. If the insurance contract stipulates the insured amount and the period of compensation or payment, the insurer shall perform the obligation of compensation or payment of insurance money in accordance with the provisions of the insurance contract.

After the insurer fulfills its obligation to compensate or pay insurance money in accordance with legal procedures, the insurance claim settlement will be concluded. If the insurer fails to perform its obligation to compensate or pay insurance money in a timely manner, it constitutes a breach of contract and shall bear the corresponding liability according to the regulations, that is, "in addition to paying the insurance money, it shall compensate the insured or beneficiary for the losses suffered thereby";

The compensation for losses here refers to the loss of interest on the insurance money that the insurer should pay. In order to ensure that the insurer fulfills its obligation to pay compensation in accordance with the law, and at the same time protects the legitimate rights and interests of the insured or beneficiary, it is clearly stipulated that no unit or individual may illegally interfere with the insurer's obligation to pay compensation or payment of insurance money, nor shall it restrict the right of the insured or beneficiary to obtain insurance money.