If you rub the new car yourself, which is more cost effective to take insurance or repair it yoursel

Generally, for a car that has been driven for a few years, small scratches are not very concerned, but after all, it is a new car, and it was scratched as soon as it was bought, and it is uncomfortable for anyone to change it. If it is a rear-end scrape that happened on the road,It is better to solve the damage to the paint in private, after all, taking the insurance is not only a troublesome procedure, but also affects the premium of the next year.

Secondly, if there is a situation that must be repaired and the amount is less than 1,000 yuan, such as a large area of scratches, which has affected the beauty of the body but does not affect the normal use of the car, we can first consult the insurance company to understand the discount for renewal in the next year, and then consider whether to apply for insurance. After all, the discount of car insurance is related to the number of accidents, don't "pick up the sesame seeds and lose the watermelon", and lose thousands of car insurance discounts in the following year for hundreds of maintenance costs.

Finally, once there is a large collision and damage, and it is impossible to distinguish the responsibility for the accident, of course, it is safer to take insurance. We need to protect the scene, take pictures of it for evidence, and then call 110 and the insurance company** to report the crime in time. Then follow the operation process of ** and the insurance company, the responsibility of the responsibility, the maintenance of the maintenance.

Of course, in order to get a claim from the insurance company, we must first purchase the corresponding commercial insurance, such as car damage insurance, third-party insurance, etc. Because there are many old car owners who only choose compulsory traffic insurance, once a scraping accident occurs, in addition to the coverage of compulsory traffic insurance, the rest can only pay for themselves.

If you rub your new car, which is more cost-effective to take insurance or repair it yourself? It's not too late to know.

In this case, it is generally insured because it will be paid by the insurance company.

The auto insurance claim process may vary from insurance company to insurance company, and the specific claim process, payment amount and compensation ratio are subject to the insurance company's regulations. It is recommended that you apply for insurance first, and you can communicate with the surveyor if you need to make a claim later.

This must be insurance, because you can save a lot of money by taking insurance.

If it's cheap to repair your own car, why do you need to buy insurance, isn't it a waste of money?

It is definitely cost-effective to take insurance, and you can repair the car without paying a penny of your own.

I think insurance is better and can be used in the future, so I bought insurance.

It should be more cost-effective to take insurance, and you can have a certain amount of claims.

I definitely have to do insurance, because then I don't have to pay too much money.

Of course, it's insurance, otherwise what's the use of the insurance you bought.

If the problem is not big, fix it yourself, because the insurance will increase in the coming year.

Summary. Hello dear, whether it is a new car scratch or another vehicle scratch, whether it is cost-effective to take insurance mainly depends on the degree of scratching. If the cost is less than 500 yuan, it is recommended not to apply for insurance, and it is better to pay for it yourself.

Because the preferential policies for the next year will be affected after the accident, the premium for the next year will be increased if the insurance is out twice. Scratching is a slight problem, so it is not particularly serious, and it is not recommended to take insurance, unless the degree of scratching has exceeded 1000 yuan, in this case, you can take commercial insurance.

Hello dear, whether it is a new car scratch or another vehicle scratch, whether it is cost-effective to take insurance mainly depends on the degree of scratching. If the cost is less than 500 yuan, it is recommended not to apply for insurance, and it is better to pay for it yourself. Because the preferential policies for the next year will be affected after the accident, the premium for the next year will be increased if the insurance is out twice.

Scratching is a slight problem, so it is not particularly serious, and it is not recommended to take insurance, unless the degree of scratching has exceeded 1000 yuan, in this case, you can take commercial insurance.

The degree of scratching needs to be sprayed with sheet metal, and it is about 600 yuan or more.

It is the first year you have bought insurance.

Generally, it is not recommended to take insurance for less than 1,000 yuan, because if there is an accident, you cannot enjoy preferential policies for buying car insurance in the next year.

This is the third year, and there was an accident in the first year. So is it cost-effective to take risks now?

1000 yuan is not recommended to take insurance, it is not worth it.

For most car owners, in daily life, the cost of the car is indeed relatively large, and it is not that the oil price is getting more and more expensive nowadays, but the maintenance cost of the vehicle is also a large amount. What makes the car owner more headache is actually the occasional scratch, once the car is scratched, at least you have to go to the car beauty shop to do a touch-up paint, even in some second- and third-tier small city groups, a surface of paint at least 200 yuan or more, so you should be more careful when you usually drive.

If you feel that you still need to repair, you can take the insurance insurance, which will give you some compensation, and the compensation cost is only a few hundred yuan, if you don't bother to go to the insurance.

Of course, it is not cost-effective, because you only need a small amount of money to fix this situation, but if you take insurance, the premium will rise a lot in the second year.

In this case, it is not cost-effective to take insurance, because you will have to pay a little more insurance in the second year after taking insurance.

1.If a new car is scratched, depending on the degree of damage to the car, if it is serious, it is generally taken for insurance.

2.Whether to take insurance for the new car to scratch depends on the degree of scratching of the car, if the scratch is not very obvious, you don't need to repair it. Maybe because it is a new car, everyone cares more, the longer the car is driven, you will feel that it is common for you to take a small scratch, if you take insurance, not to mention the trouble, it will also affect next year's premium.

3.Of course, if the rubbing is more serious, to the extent that it has to be painted, then it is another story. In the case of commercial insurance, try not to have an accident if the accident is not very serious.

Commercial insurance has a commercial discount rate, and its discount rate is the number of times you can see the insurance, and it has little to do with the amount. Therefore, if you take commercial insurance for a small accident, you may spend 500 to repair your car, and because of the increase, the insurance needs to spend 1000, so it is not cost-effective.

4.In general, whether the car is scratched, whether to go for insurance or what kind of insurance to take, must be measured according to the actual situation. There has never been a fixed solution to this kind of thing, so it's better to improve your driving skills, drive carefully, and try not to scratch.

Generally speaking, the car below 20w is about 300 outside the maintenance shop, the pearl paint on the market is more expensive, the 4S shop is about twice as expensive, the car from 200,000 to four or five hundred thousand is more than 500, and the 4S shop is more than 800, except for the maintenance plant that is active and recognized. We take the insurance divided into compulsory traffic insurance and commercial insurance, the general compulsory traffic insurance property loss compensation limit is 2000, after the accident in the next year, the range of the next year is about 100, the next year again, and then **100, up twice capped, after the appearance of three years of no accident compulsory traffic insurance back to the original, two years of no risk to the second level. Compulsory traffic insurance is related to the amount, and the number of times is not too related, so the general small scratch even if you want to go out of danger to take compulsory insurance, an accident to pay for yourself and take insurance is almost the same, the difference may be to come to one-time, take insurance is a bit like installment payment.

If it is not a big loss, it is not recommended to take insurance, the number of claims and your second year's premium is related, the new car small scratches do not need to go to insurance, take the insurance next year's premium will increase. The car owner can calculate the relationship between the number of claims in one year and the renewal cost in the second year.

1. New car or 3 times of compensation in the previous year: the premium is neither up nor down.

2. 3 claims in the previous year: the premium will be increased by 10%.

3. 4 claims in the previous year: the premium will be increased by 20%.

4. 5 or more claims in the previous year: 30% increase in premiums 5. No claims for three consecutive years: 7% discount on premiums.

6. No compensation has occurred for two consecutive years: 20% off the premium.

7. No compensation occurred in the previous year: 9% off the premium.

If the new car is scratched, should you pay for it or take insurance, this kind of thing depends on the size of your scratch, if you spend less, you will spend your own money, if the scratch is relatively large, you will report the insurance, if the insurance premium in the second year will be **, which is suitable for yourself.

After the new car is scratched, it is best to repair it through the insurance company, so that because the new car is repaired by the insurance company, it should be more formal, and the repair is more satisfied, if it is afraid of affecting the next year's insurance, then do not charge, the insurance company will find a place to repair it is also possible, so that it will not affect the proportion of your insurance in the next year, which depends on your personal situation.

As long as your insurance is already on the list, of course you should go for insurance. Otherwise, your insurance is meaningless. If you don't have insurance at the time, then you can go at your own expense. So you look at your actual situation.

If it is a new car scratching phenomenon, as long as it is not bad, then you should pay for it yourself, because after taking insurance, your premium will increase to about 30% in the second year, there is no need, if you spend a few hundred dollars, you can spend it yourself.

If your vehicle has an accident that affects the aesthetics of the vehicle, but does not affect the normal use of the vehicle, such as a large piece of paint falling off in a certain part of the body, micro-deformation of parts, etc., in short, as long as the maintenance cost is within 1,000 yuan, our car owner needs to ask the insurance company for the next year's renewal premium.

Depending on the severity of the scratch, if it is not serious, you can spend a few hundred yuan at your own expense, and if it is serious, you will take insurance, so that the premium for the next year will be **.

It's entirely up to you to choose, but if it's the beginning of the year, I think it's better to take insurance. After all, you can't guarantee that you won't be out of danger this year, and if it's the end of the year, then it's more cost-effective for you to pay for it out of pocket. Because if you don't have insurance this year, then your insurance premium for the next year will be discounted.

If the new car is scratched, but it is your own fault, it depends on the degree of scratching? If you need too much money, it's better to take insurance.

It depends on your specific situation, whether you did it yourself or what's going on.

Generally depends on the degree of damage. If the damage is a little bit, you will pay for it, and if the damage is very large, you will take insurance.

Of course, it should be taken insurance, if the new car is scratched, we can go through the insurance procedure, because there is no money, and if the new car is new, he may have a special preferential policy, so it is good to take insurance.

Finally, take insurance, this is the best.

Even veteran drivers are not immune to the danger of crashes. However, veteran drivers have rich driving experience, and novice drivers often cannot control the judgment of the distance of the vehicle when driving, which is easy to cause vehicle scratches. The new car was scratched by itself.

Should I buy insurance or fix it myself? It depends on which of the two methods is more cost-effective. It depends on the location and area of the paint, the extent of damage to the new car after scratching, and how much you value the new car.

For example, the scratches are relatively light and the paint is a little peeling. In fact, it does not affect normal use, only aesthetics. If you like your car very much, you have to fix the car in either way.

On the contrary, as long as the surface of the car does not touch and expose the primer, there will be no problem if it is not treated.

First of all, in the literal sense, a vehicle abrasion usually refers to a minor collision with a vehicle, which is a minor damage. In most cases, the paint comes off when a vehicle collides. In this case, it depends on the location of the paint.

Generally speaking, the repair ** of the 4S shop is around 300-500, and then ** will fluctuate according to the location and area of the repair paint.

Second, the new car is scraped by itself, so whether it is insured or repaired, the main responsibility is oneself. Well, many people are confused, now that I already know the ** of the maintenance fee, should I buy insurance or pay for the maintenance fee myself? In fact, the main reason I don't know how to choose is that I am worried that after the vehicle is in a dangerous condition, the premium will go up the next year, and I will need to spend more money on car insurance costs the next year.

Contact the insurance company directly to resolve the claim and replace the entire rear bumper. After the collision, the service staff of the insurance company was contacted for the first time through WeChat, and the location of the collision was photographed and sent. Because there is no way to repair this damage, and the bumper is a plastic part.

There is no concept of sheet metal repair. If you want to repair it, you can only replace it in its entirety. So I contacted the insurance company directly and drove the car to the 4S shop for repairs.

If you repair the car yourself, it may be more expensive, and it is not so intact, but if you take insurance, you don't have to pay for it yourself, and the warranty may be very good, but if you repay the insurance in the second year, the cost of insurance will increase, so you should choose to repair it yourself.

Try to choose insurance, because in this way it will have a better effect, and it can also be better repaired, to avoid us being deceived, if you repair it yourself, it is also good, because in the later stage, you don't need to take insurance, and you will reduce part of the cost when you pay insurance.