Is there a deductible for the three changes in car insurance?

The car insurance premium reform is mainly to adjust the insured amount of compulsory traffic insurance, the preferential treatment of symphony insurance, from the previous 30% to 50 out of 100, the number of years of insurance for three years, changed to five years, the rate adjustment of commercial insurance is basically unchanged, and the three still have corresponding deductibles.

Summary. Hello, glad to answer for you.

The third fee change of car insurance is the third fee change is the premium level "you" have the final say, simply put, commercial insurance has been changed twice before, are about the rate, and now it is about to be implemented for the third time, the core of this fee reform is: to make the car insurance rate more fair, to achieve the rate and risk status of the accurate match, so that low-risk car owners enjoy lower rates, and similarly, high-risk car owners will also "enjoy" higher rates. With the help of this lever, more policyholders are encouraged to improve their awareness of safe driving and reduce traffic accidents.

The third fee change for car insurance.

Hello, I am glad to answer for you the third fee change of car insurance The third fee change is the premium level "you" have the final say, simply put, commercial insurance has been changed twice before, both about the rate, and now it is about to be implemented for the third time, the core of this fee reform is: to make the car insurance rate more fair, to achieve the accurate matching of the rate and the risk status, so that low-risk car owners can enjoy the lower rate, and similarly, high-risk car owners will also "enjoy" higher rates. With the help of this lever, more policyholders are encouraged to improve their awareness of safe driving and reduce traffic accidents.

The third fee change starts with **? The fee reform was first piloted in seven regions: Sichuan, Xinjiang, Shanxi, Henan, Fujian, Xiamen and Shandong. With the adjustment of the minimum underwriting coefficient, the commercial insurance rate that finally falls on the car owner will also usher in a new low of the lowest discount!

The fee reform in the pilot areas will be implemented from the second quarter of 2018.

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Legal Analysis: No. After the 2020 fee reform, the three-party insurance is not fully paid, firstly, the three-party insurance can only be compensated after the compulsory traffic insurance is paid, so the three-party insurance cannot fully compensate all the losses of the third party; Secondly, the three insurances have absolute deductibles, unless the absolute deductible is purchased, the insurance company will bear the compensation for the absolute deductible; Finally, if the limit of the three insurance is exceeded, then the liability for the part that exceeds the limit needs to be borne by the car owner.

Legal basis: Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability

Article 21 If a road traffic accident occurs in an insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the limits of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with law. If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Article 22 In any of the following circumstances, the insurance company shall pay the rescue expenses within the limits of the compulsory insurance liability for motor vehicle traffic accidents, and shall have the right to recover compensation from the victim: (1) the driver has not obtained the qualification to drive next to the driver or is drunk; (2) The accident is caused during the theft and robbery of the insured motor vehicle; (3) The insured intentionally causes a road traffic accident. In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim.

Article 24 The State shall establish social assistance for road traffic accidents** (hereinafter referred to as assistance**). In any of the following circumstances, the funeral expenses and part or all of the rescue expenses of the victim in the road traffic accident shall be paid in advance by the rescue company, and the rescue management agency shall have the right to recover from the person responsible for the road traffic accident: (1) The rescue expenses exceed the liability limit of the compulsory insurance of motor vehicle traffic accident liability; (2) The motor vehicle involved in the accident has not participated in the compulsory insurance of motor vehicle traffic accident liability; (3) Fleeing after a motor vehicle has been hit.

After the 2020 fee reform, the three-party insurance is not fully paid. First of all, the third-party insurance can only be paid after the compulsory traffic insurance is paid, so the third-party insurance cannot fully compensate all the losses of the third party; Secondly, after the 2020 fee reform, although there is no deductible for the three insurances, there is still an absolute deductible, unless the absolute deductible insurance is purchased, the insurance company will bear the compensation for the absolute deductible; Finally, there is also a limit to the three insurances, if the limit is exceeded, then the liability for the part that exceeds the limit also needs to be borne by the car owner.

Extended information] Three-party insurance (third-party liability insurance) refers to the accident that occurs during the use of the insured vehicle by the insured or its permitted legal drivers, resulting in direct personal damage or property to the third party, and the insured shall bear economic responsibility according to law, and the insurance company shall be responsible for compensation. Since the introduction of compulsory liability insurance, third-party liability insurance has become an optional insurance and can be used as a supplement to compulsory liability insurance.

Third-party commercial liability insurance, also known as third-party liability insurance, in the past, the vast majority of places ** will be the first bend of the third party liability insurance as a compulsory insurance type, do not buy this insurance, motor vehicles can not be licensed and can not be inspected. After the introduction of compulsory motor vehicle traffic insurance (hereinafter referred to as compulsory traffic insurance), third-party liability insurance has become non-compulsory insurance. Because the compulsory liability insurance is relatively low in terms of compensation for the property loss and medical expenses of the third party, the purchase of third-party liability insurance can be considered as a supplement to the compulsory liability insurance.

The insurance will not be responsible for the loss of third-party liability caused by the driver's drunken or driving without a valid driver's license.

In a traffic accident, if the driver of the insured vehicle bears full responsibility, the accident liability waiver is 20%; If the main responsibility is borne, the accident liability is exempted from 15%; If you are equally responsible, the accident liability is exempted from 10%; If you bear secondary liability, the accident liability is exempted from 5%.

When you buy a car, the two biggest leaks are maintenance and car insurance, car insurance contains many types of insurance, mainly divided into two categories: main insurance and additional insurance, which are divided by the size of the risk. Third-party liability insurance is included in the main insurance, which is also one of the must-buy insurances.

The maximum compensation amount of 500,000 three-party insurance is 500,000, and the maximum compensation amount of 1 million three-party insurance is 1 million, and the difference between 1 million and 1 million is only about 300 yuan more than 500,000 yuan. In fact, hitting a supercar and a luxury car is a probability event, and the car can be repaired if it is damaged, but once the person is **, it is not so simple to repair, if it is a middle-aged person who is old and young, I am afraid that 1 million is not enough to compensate for a life.

Hello, after the reform, the three insurance does not include the deductible, the motor vehicle third party liability insurance is an additional insurance of the third party liability insurance, voluntarily purchased by the policyholder, after a special agreement, after the accident, according to the motor vehicle third party liability insurance provisions of the deductible calculation, should be borne by the insured part of the deductible amount, the insurance company will be responsible for compensation within the liability limit.

After the reform of car insurance, there is no deductible for the three insurances. The deductible insurance has not been cancelled and is included in the car damage insurance, and the coverage of the car damage insurance after the reform includes: car damage insurance, theft insurance, spontaneous combustion insurance, engine wading insurance, and glass insurance, unable to find a third party insurance and deductible insurance.

Therefore, if you need coverage without deductible, you only need to purchase car damage insurance.

Deductible insurance refers to an additional insurance to a commercial insurance (car damage insurance or triple liability insurance). As an additional insurance, the insurance liability of the deductible insurance usually refers to the part of the deductible amount that should be borne by the insured within the liability limit calculated according to the deductible calculated according to the deductible stipulated in the main insurance clause of the corresponding insurance after a special agreement. Generally speaking, if you take out this type of insurance, you can transfer 5% to 20% of the liability that you should be responsible for to the insurance company.

The so-called deductible special insurance refers to the special clause of the car insurance that does not imitate the deductible, which is a kind of commercial additional insurance. This type of insurance usually refers to a kind of insurance state in which the insurer is responsible for the compensation of the part of the deductible that should be borne by the insured after the occurrence of an insured event according to the deductible calculated according to the deductible stipulated in the terms of the main insurance corresponding to the insurance. After the insurance is insured, the owner can not only enjoy the part of the compensation that should be borne by the insurance company according to the terms of the insurance; You can also enjoy the part of the compensation that should be borne by the car owner because he is responsible for the accident.

According to the different insurance objects, the deductible insurance can be divided into the basic insurance without deductible and the additional insurance without deductible, the owner should understand in detail when applying for insurance.

Legal analysis: the third fee reform is the premium seepage of the high and low "you" have the final say, simply put, the commercial insurance has been changed twice before, are about the rate, and now the third is about to be implemented, the core of the fee reform is: to make the car insurance rate more fair, to achieve the rate and the risk status of the accurate match, so that low-risk car owners enjoy lower rates, the same high-risk car owners will also "enjoy" higher rates.

Legal basis: Article 10 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 10 The following losses and expenses shall not be compensated and paid in advance: (1) the loss of a traffic accident intentionally caused by the victim; (2) the property owned by the insured and the property on the insured motor vehicle; (3) Losses caused by traffic accidents involving the insured motor vehicle, resulting in the victim's suspension of business, driving, power, water, gas, production, communication or network interruption, data loss, voltage changes, etc., as well as other indirect losses caused by the depreciation of the victim's property due to market changes, losses caused by the reduction in value after repair, etc.; (4) Arbitration or litigation costs and other related expenses arising from traffic accidents.