Repair hail pits, take insurance, will the price of insurance increase next year?

Repair hail pits and go to insurance, and the premium will rise next year. Hail is a localized disaster and falls within the scope of vehicle damage insurance. Only car owners who have purchased car damage insurance can directly apply to the insurance company for compensation for vehicle losses caused by hail within the validity period.

Coverage of car damage insurance.

1. The insurer shall be responsible for compensation for the loss of the insured vehicle caused by the following reasons in the process of using the insured vehicle or its permitted drivers:

1. Collision, overturning, falling;

2. Fire, **, spontaneous combustion (spontaneous combustion insurance must be separately invested);

3. Falling and collapsing of external objects;

4. Storms and tornadoes;

5. Lightning strikes, hailstorms, heavy rains, floods, tsunamis;

6. Subsidence, ice subsidence, cliff avalanche, avalanche, debris flow, landslide;

7. The ferry carrying the insured vehicle suffers from a natural disaster (only for those who have a driver with the vehicle to take care of it).

2. In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle shall be borne by the insurer, and the maximum amount shall not exceed the amount of the insured amount.

Yes, because you haven't used the insurance once, the premium will rise in the second year, so Huang Pineapple suggests that if the repair cost of the car is less than 1,000 yuan, it is recommended to repair it yourself. If the repair** is more than 1000 yuan, it is recommended to take insurance repair! Jinan Huang Pineapple specializes in repairing the hail pits of the body.

Yes, as long as there is insurance, the premium for the second year will be **.

Out of one insurance, not floating, but there is no discount.

Fix it yourself, or the premium that rises in the next year will be more expensive than the repair fee.

If the car is hit by hail, the insurance will not increase in the second year if the claim is settled, but if there are other accidents, it will increase.

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%; The reputation of a fatal accident attributable to the accident is increased by up to 30%.

Related Notes:

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 provisions of compulsory traffic insurance, the basic premium of compulsory traffic insurance is different for different models. However, for the same model, the whole country implements unity**.

Summary. The details are as follows: 1. If the car is smashed by hail, the insurance will not increase in the second year if the claim is settled, but if there are other accidents, it will increase.

2. If the owner has not had 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%.

The car was hit by hail, should I take insurance? How much does it affect the magnitude of the next year's premium**?

Hello, the car was hit by a hail ridge, do you want to take insurance? How much does it affect the difference in the next year's premium**? Analyze and answer for you. 

You can go to insurance, if you are just hit by hail, there are no other traffic accidents, there is no impact on the next year's premium, and the next year's car insurance premium remains the same.

The details are as follows: 1. The car is smashed by hail, and the insurance will not increase in the second year if the claim is rented, but if there are other accidents, it will increase. 2. If the owner has not had 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 at fault, the maximum increase is 30%.

Ok thanks.

You're welcome. 

Summary. The car was hit by hail, should I take insurance? This needs to be based on the loss situation, if the loss does not exceed 1000 yuan, it is not recommended to apply for insurance!

If it is more than 1000 yuan, you can apply for insurance! How much does it affect the magnitude of the next year's premium**? If you only have this insurance within a year, it will have no effect, it will not go up, but there will be no discount.

The car was hit by hail, should I take insurance? How much does it affect the magnitude of the next year's premium**?

The car was hit by hail, should I take insurance? This needs to be based on the loss situation, if the loss does not exceed 1000 yuan, it is not recommended to report the spine annihilation insurance! If it is more than 1000 yuan, you can apply for insurance!

How big is the impact on the next year's premium**? If you have only this insurance within a year, the wild shelter will have no effect and will not float, but there will be no discount.

If you don't get a single insurance policy within a year, it can be cheaper by a few hundred dollars.

Therefore, this needs to be judged according to the specific loss situation.

than the heart] <>

Compulsory insurance does not pay to continue to enjoy preferential treatment, commercial insurance insurance companies have different regulations, most insurance companies as long as there is a claim on the standard premium, it is recommended to compare more in advance every year to see which one is the cheapest. Under normal circumstances** car insurance is the cheapest. If it is not a car insurance covered vehicle, you can compare which one has the cheapest premium in the end.

Because now the commission of commercial insurance is mostly about 25%.

As long as there is an accident, it should increase. Oh.

The first case:

The vehicle is only covered by compulsory traffic insurance, in which case the insurance company does not compensate for the loss of the vehicle itself, and the owner needs to bear all the losses.

The second scenario:

1.The owner of the car has car damage insurance, but has not purchased the car damage insurance without deductible rider.

In this case, the insurance company will deduct a part of the absolute free odds cost, and the car owner will still have to bear a small part of the cost.

2.Of course, the owner of the car is on the deductible insurance, and the insurance company will pay the full amount according to the actual vehicle loss.

Report the crime: After discovering that the vehicle has been injured by hail, do not move the vehicle, and be sure to report the accident as soon as possible (within 24 hours).

Forensics: Vehicle damage caused by spontaneous combustion disasters such as hail is slightly different from general accident car insurance claims.

Many times, insurance companies will ask the car owner to provide a weather certificate.

Therefore, it is best for the owner to issue a meteorological certificate in advance or leave a report of relevant ** as proof of claim.

If there is a large hail phenomenon in an area, the insurance company may have been notified.

In this case, there is no need for the owner to prepare himself, and it is best to ask clearly when reporting these situations.

In addition, it is best for the owner to take photos and collect evidence as soon as possible, and record a photo if there are conditions, because who knows when the insurance company's investigators will arrive.

After he arrived, the hail might have melted, so in order to reduce unnecessary trouble, he took evidence first.

If a tree branch or hail smashes a car, what insurance can I buy to pay for it? The salesman won't say it, but you have to see how to find an insurance company to make a claim Hail car is the coverage of damage insurance It is very important to hand over documents while driving For force majeure factors, you can make a claim What insurance can you buy if the hail smashes the car.