The higher the insurance loss assessment, the higher the cost of buying insurance in the later stage

Hello, depending on your situation, you can apply to the insurance company for a claim. As long as you apply for insurance, when you buy insurance again, it will return to its original value, and if you have been insured twice a year, it will rise by 10%. You only have one trip this year, which will not affect the premium offer for the following year.

For commercial auto insurance.

If you claim less than three times or the claim amount is not particularly high, it will not affect the next year's premium. For the premium preferential policy, each insurance company is different, you can consult the insurance company for specific information. In addition, for car insurance claims, it is generally necessary to report the insurance in time, investigate and assess the damage in time and then settle the claim, and the insurance company has a reason to refuse to pay for past injuries.

After the vehicle accident, it is necessary to have professional personnel to assess the damage, but there are often cases where the damage assessment fee of car insurance is too high or too low, and some difficulties will be encountered in the later claim settlement process for these two phenomena. Here are a few more things to keep in mind:

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.

3. Insurance premium refers to the fee you pay to the insurance company (referred to as the premium), and the insurance company compensates you as insurance compensation.

For example: car insurance. First of all, compared with the high loss assessment for car insurance, it seems that the loss assessment amount is too low, which will cause greater damage to the interests of consumers.

After the accident of the vehicle, the damage assessment is carried out by professional companies and personnel, and the amount of compensation paid by the car insurance company when making a claim generally does not exceed the amount of the damage assessment. Therefore, once the damage assessment fee for car damage is too low, the consumer will not be able to repair the vehicle when repairing the vehicle, but the limit at the time of claim settlement will not be higher than the damage assessment amount, so the consumer will need to pay some repair costs by himself.

Therefore, the damage assessment of car insurance is too high, which exceeds the cost of actual repair, but the cost that the car insurance company can claim when making a claim is only the cost of actual vehicle maintenance. It is not as many consumers think, as long as the car damage appraisal is high enough, they can get enough compensation. Because car insurance is not a profitable investment for consumers, but a protective investment.

If the car insurance loss assessment is too high, it is basically useless for consumers.

The replaced items have been owned by the insurance company, if the insurance company allows you to take away, you can take away, as long as you apply for insurance, when you buy insurance again, it will return to the original value, if you have been insured twice a year, it will rise by 10%.

Yes, the more insurance you have, the higher the premium.

Don't think too much, the insurance company loses money, and the insurance company values the high ** more than you.

According to my years of experience in damage assessment, it is actually possible to order 1190 at the rear of the Cruze, not too much.

Because if you want to replace the bumper, 1190 can't come down, according to the 4S shop damage assessment standard, the rear bar disassembly and assembly 100, the rear bar repair paint 600, the rear wall repair paint 450, a total of 1190 almost.

If you don't believe me, you can ask the insurance company to issue a damage assessment statement for the other party's vehicle to verify.

The higher the damage assessment, the higher the premium next year, but the number of claims, violations, vehicle type and vehicle age and other factors should be taken into account. Claims for compulsory traffic insurance do not affect commercial insurance.

Premium. If the compulsory liability insurance and commercial insurance are calculated separately, if only the compulsory traffic insurance is insured, then the number of claims will only affect the preferential treatment of the compulsory liability insurance, and will not affect the insurance discount of the commercial insurance in the following year.

Commercial auto insurance. Premium = Benchmark Premium, No Compensation Preferential Coefficient, Autonomous Underwriting Coefficient, Autonomous Channel Coefficient, Traffic Violation Coefficient.

The base premium for each vehicle owner is determined and is related to the model and the year of the vehicle;

The coefficient of preferential treatment without compensation and the coefficient of traffic violations (only available in Beijing, Shanghai, Shenzhen, and Jiangsu) are related to the number of claims and violations of the car owner;

The self-underwriting coefficient and the self-channel coefficient are determined by the insurance company's pricing system, and usually high-quality customers will give a lower limit.

When the loss of the accident is not large or it is not good to judge whether to make a claim, you may wish to go through the procedures of reporting and assessing the damage, so as to avoid the sky-high asking price of the repair shop and the third party in the maintenance process, but for the time being, you can not bring damage to the insurance company to apply for a claim, and when the insurance cycle is about to end, you can comprehensively consider the annual insurance situation, the amount of loss, and the next year's premium, and then decide whether to make a claim.

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The difference between the insurance loss assessment and the actual cost is as follows:

1. In general, it is the same, if you go to the repair shop designated by the insurance company for maintenance, basically the maintenance ** is the damage assessment**. The insurance company will also refer to the maintenance opinions of the designated repair factory when assessing the damage, which is basically the principle of "if it can be repaired, it will not be replaced".

2. If you don't go to the repair shop designated by the insurance company and go to the 4S shop for repair, the general car repair cost will exceed the damage assessment. The interests between the two are opposite, so the 4S store will choose the ladouan to choose a profitable way for consumers to repair.

3. If there is a big difference between the amount of damage assessment and the maintenance fee, the consumer can request a third-party independent agency to re-determine the damage, of course, the appraisal fee shall be paid by the consumer himself.

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Summary. Hello dear! We'll be happy to answer for you; The level of loss assessment does not affect the premium.

No, the premium is generally related to the number of trips you have, and has nothing to do with the amount of compensation. In general, if there is no accident for one consecutive year, the premium is reduced by 10%.

If there is no at-fault traffic accident for two consecutive years, the premium is reduced by 20%. If there has been no at-fault traffic accident for three consecutive years or more, then the reduction is 30%. It can be seen that there is any relationship between the amount of compensation and the level of premium, so the level of loss assessment does not affect the premium.

Does the level of loss assessment affect the premium?

Hello dear! We'll be happy to answer for you; The level of loss assessment does not affect the premium. No, the premium is generally related to the number of trips you have, and has nothing to do with the amount of compensation.

In general, if there is no accident for one consecutive year, the premium is reduced by 10%. If there is no at-fault traffic accident for two consecutive years, the premium is reduced by 20%.

If there has been no at-fault traffic accident for three consecutive years or more, then the reduction is 30%. It can be seen that there is any relationship between the amount of compensation and the level of premium, so the level of loss assessment does not affect the premium.

Compulsory traffic insurance has 1 accident in 1 year, no discount, 2 or more accidents, the price increase is 10%, and in the case of a responsible death accident in the previous year, the price is increased by 30%, such as 950 yuan, and the highest is 1235 yuan. Commercial insurance part: the first year of insurance purchase is the original price purchase, no discount, if there is no insurance within a year, there is no discount on the premium, the insurance premium rises by 25% twice, 50% for three times, and 75% for four times

China's medical insurance system is divided into two types: Class A and Class B, both of which are very different in terms of content and coverage.

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