How much did the insurance increase in the second year after the car damage was insured?

As you all know, the insurance will rise in the second year after the car damage is insured, and it is related to the number of accidents. If there is more than one accident, the float rate of insurance ** is between 10% and 30%. Moreover, the floating standards of compulsory traffic insurance and commercial insurance are different:

The standard of the floating rate of compulsory traffic insurance premiums is to see whether the car owner has had a traffic accident in the previous year, whether there are any fatalities, and if there are more than two traffic accidents in the previous year, the premium will increase by 10%; If there is a traffic accident with two fatalities in the previous year, the premium will be increased by 30%. The formula for calculating the floating rate of compulsory liability insurance premiums is basic protection* (1 + floating ratio).

For example, when purchasing insurance for a private car with less than 6 seats, the premium paid is 955 yuan, and the premium rises by 10% if the insurance is more than two times (including two) in the first year, and the calculation formula is 1045 yuan, if there is a traffic accident with a fatal accident, the premium will rise by 30%, so it seems that if there is no insurance, the premium paid will be less and less, on the contrary, the larger the floating rate of the compulsory traffic insurance premium, the more the premium.

The standard of the floating rate of commercial insurance premiums is related to the number of accidents in the previous year, the first year is not out of insurance, the premium will not increase, but enjoy the discount, the number of accidents, the premium floating rate**, the premium paid will be more. Therefore, after the car damage insurance, the second year of insurance ** or float, it depends on the number of accidents in the previous year, if the number of times, the insurance company will stop the loss in time, pull the policyholder into the blacklist, and refuse to renew the insurance.

Finally, I still have to advise everyone, cherish life, pay attention to details, often car accidents are inadvertent, don't lose big because of small things.

With the continuous development of social economy, in real life, we will encounter a variety of problems, especially for if we have the problem of vehicle compensation in the first year, then how much will the premium be in the second year, which is also very confusing to many friends, in fact, we must know that if our car insurance has been more than two times in the previous year, then our premium in the second year will be **20%, and the maximum will not exceed 30%.

First of all, we have to understand such a problem, that is, if we have two traffic accidents with more than two car insurance in the first year, then it is very likely that in the second year, our premium will be **20%, of course, the regulations of each insurance company are different, so we must also judge according to the relevant situation in our own insurance contract, if we really don't know, we can also ask the relevant staff to help us solve this problem. But in most cases, it's usually **20%.

If there is no traffic accident in the previous year, then we will be in the second year, our premium will drop by 10%, and even have a great discount for us, these things are what we need to know, and we must understand things, only in this way can we better help us solve many problems in life, and only in this way can we get the results we want, these things are actually very important to us, so in life, We must pay attention to these related issues.

To sum up, we can clearly know that if we have not had any traffic accidents in the previous year, then the amount of insurance we have purchased in the next year will be greatly reduced, if we have more than two traffic accidents in the previous year, our premium for the next year will increase by 20%.

There are three scenarios:

1. If the car is insured once, the owner is responsible but the accident does not involve death, and the second year's premium is the standard premium and cannot enjoy the discount. 2. If the car has been insured twice or more, the owner is responsible but the accident does not involve death, and the premium will be increased by 10%.

3. If the owner is drunk or insured due to a fatal accident, the premium will be increased by 30%.

Now there are more and more cars on the road, bumps and even major accidents are inevitable, many people have purchased sufficient commercial insurance for their cars, but after the problem is very confused, in fact, once the car insurance is out of the insurance once, the second year of the premium will not produce **, of course, this is under the premise of no fatal accidents. If there will be an increase in premiums twice or more a year, I hope everyone can realize this, and we need to pay attention to the fact that we must learn to obey the traffic rules in life, only in this way can we better reduce the risk.

Extended information: 1. Floating premium of insurance:

There is a very big difference between vehicle insurance and personal safety insurance, generally speaking, if there is no traffic accident in the previous year, the vehicle insurance can be discounted by 10% if there is a copy of the policy of the previous year, and if there is no accident in two years, it can be discounted by 20%, and there is no accident in the first three years can be discounted by 30%, which can be seen that as long as we strictly abide by traffic laws and regulations, the premium will not be very high, but we need to note that if there are two or more traffic accidents in the previous year, you need to add 10% of the premium, If there is a traffic fatality, an additional 30% will be charged.

2. Reasons for configuring enough commercial insurance for your car:

Now there are a lot of cars on the road, so in order to better share the risk, we must buy enough commercial insurance for our vehicles, only in this way can we make our lives better, and at the same time, for their own cars, if it is a high-end must be equipped with full insurance.

3. Why can't I go on the road without buying commercial insurance?

We all know that compulsory traffic insurance is a type of insurance that is required by law in our country, if you can't buy compulsory traffic insurance, the vehicle is also suspected of violating the law, so we must buy insurance for our vehicles, and at the same time we must be kind to every passerby around us in life, only by abiding by traffic laws can we live a better life.

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.

Generally, it is necessary to carry out ** according to the proportion of half, depending on the amount of car insurance purchased, and also to understand the specific claim situation, and then decide the premium **.

It's about 20%, which is not certain, and the adjustment of this is also related to the amount of compensation, and it is not fixed.

It needs to be determined according to the actual situation, and different insurances and claims will have different ranges.

Generally speaking, it will be 20 30%, and you still have to pay attention to safety when driving, otherwise the premium will be very fast.

In fact, under normal circumstances, no, the premium will remain unchanged. The reason why I think the premium will be ** is because the second year premium is not discounted.

The car insurance regulations stipulate that if you occur once, the premium will remain the same, and if you have two or more accidents, the premium will increase. The premise is that there is no traffic accident in which a fatal person is involved. In addition, car damage insurance is a commercial insurance, not compulsory insurance, and the insurance company can independently set some commercial car insurance underwriting coefficients within a certain range**.

Extended Description] Car damage insurance is a type of commercial insurance for automobiles. It stipulates that the insurance company shall compensate the insured vehicle within a reasonable range if an insured accident occurs while the insured or his permitted driver is driving the insured vehicle.

There are three ways to determine the sum insured of car damage insurance:

1.Determine the amount of insurance according to the purchase price of the new car: In this insurance method, the insurance company considers that the insurance is fully insured, and the insured can be compensated for the actual loss when the accident occurs.

2.The sum insured is determined based on the actual value at the time of insurance: The actual value refers to the purchase price of the new car minus the amount of depreciation**.

Although this insurance method can pay less premiums, it is underinsured in terms of insurance. Because in the event of a partial loss, the insurance company can only compensate proportionally according to the ratio of the actual value to the new car**. Because the owner is insured according to the actual value of the car, the insured amount of all auto parts is based on their depreciation price as the claim standard, in case the car repair process needs to replace new parts, the insurance company can only refer to the depreciation value of the parts, compensate the owner for part of the repair costs.

3.It is up to the policyholder and the insurance company to negotiate and determine: this type of insurance usually occurs in rare vehicles or confiscated vehicles. Because the ** of rare models is often not comparable in the market, the value is relatively high, and the purchase price of confiscated vehicles is often too low.

According to the provisions of China's current motor vehicle insurance provisions, no matter which of the above three methods of determining the insured amount of car damage insurance is used, the insurance rate is exactly the same without considering other "vehicle" or "person" factors.

Accidents within three years after the new regulations must be included, which will affect the premium, and the specific rise and fall is still related to the car, insurance type, and amount.

You should check with the service staff of the insurance company and they will tell you... The premium should be ** because the car is out of insurance

Car damage insurance. After applying for insurance once, there will be no price increase in the second year, but there will be no discount. The premium of car insurance has a great relationship with the number of accidents in the previous year, if the car buyer 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 does not occur for three years or more, the maximum drop is 30%.

On the other hand, if there are two or more traffic accidents in the previous year, the premium will be increased by 10%. In the event of a responsible** accident.

, the premium is up to **30%.

Further information: Automobile damage insurance refers to a kind of automobile commercial insurance that is compensated by the insurance company within a reasonable range due to the damage to the insured vehicle caused by an insured accident while the insured or its permitted driver is using the insured vehicle.

Car damage insurance and third-party insurance are vehicle insurance.

The basic insurance mainly compensates for the loss of the insured vehicle and the loss caused by the insured vehicle to a third party in use! You probably think even if it's a natural disaster.

The insurance company will also pay for the damage caused by the vehicle! That's half true, most of the damage caused by natural disasters is compensated.

First of all, the new clause introduces a model factor. Different models are subject to different standards, such as Iveco, which has very good safety performance, low probability of accident and low maintenance cost.

Golden Dragon, Cherokee.

Models such as the Sonata will be subject to a certain rate reduction. On the contrary, the rate will be increased for special models, rare models, and ancient models.

Secondly, an absolute deductible of 500 yuan is set in the terms of car damage insurance for family cars and business cars.

According to statistics, the compensation amount of local insurance companies in Yangzhou is less than 500 yuan, accounting for 51% of the total number of claims, while the claim amount only accounts for 5% of the total claims. In other words, a large amount of claims resources are wasted on handling small cases of tens or hundreds of yuan. "Deductible below 500 yuan" has caused a strong response from Yangzhou car owners, but for insurance companies, it can effectively allocate human resources to better serve customers in need of service.

Industry insiders said that although the loss of less than 500 yuan is handled by themselves, because there is no claim record in the insurance company, they can enjoy a 5% 10% discount on insurance premiums when renewing the policy.

Thirdly, the new clause also sets 12 levels of auto insurance rate adjustment according to the previous year's compensation record, which will be dynamically adjusted according to the previous year's compensation situation, and the highest level is 12 levels, and its insurance premium will be adjusted to 200%; The lowest tier is the first tier, and the premium will be adjusted to 50%.

The new version of the car insurance also links the vehicle violation record to the rate, and the rate will be increased by 5% and 10% for serious violations and more than 3 minor violations; In the previous year, there were no traffic violations, and the rate was discounted.

For car owners, you need to insure your car every year, because it is inevitable that the car will crash or even a major traffic accident when driving on the road. Although it is said that in the event of a traffic accident, there will be compensation from the insurance company, but as long as the insurance is out once, it will have an impact on the premium of the second year, so how much will the premium rise in the second year of the accident? The traffic will give you a detailed explanation of whether the car insurance will rise in the second year of 2,000 yuan and how much.

Car damage insurance. The premium does not have much to do with the amount of insurance, as long as it is within the compensation limit of the car damage insurance, the insurance company will pay it. The premium is related to the number of trips to the vehicle, the fewer the trips, the more discounts you can enjoy, and the more times you occur, the premium will be**.

According to the regulations, no matter how big or small the accident is, as long as the owner reports car insurance and the insurance company pays compensation, it is considered an "accident". And the insurance company stipulates that its premium is mainly based on the number of insured accidents that occurred in the previous year, if the car owner has not had a closed compensation record during the car damage insurance period insured in the previous year, then its insurance can enjoy the preferential treatment of no compensation rate reduction, and for customers who have not been insured within three years, a rate discount of up to 30% can be given. For high-risk customers who have made a large number of claims in the previous year, the car insurance rate will also increase, and the rate can increase by up to 30% if the insurance is more than 5 times in a year.

That is to say, if the car damage insurance is insured 1 time or more in one year, then the premium for the second year will not be discounted, and if the car 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 in the previous year, the premium will be increased by 10%; In the event of a fatal accident attributable to liability, the premium will be increased by up to 30%.