If the car crashes, it will take about 600 to repair, is it better to take insurance or pay for it y

<> take the insurance. The insurance company pays 600 yuan. The premium may rise a little, but it is not 500 yuan.

Happy and happy every day!

If you have less money, it is better to pay out of your own pocket, because if you take insurance, you will pay more for the insurance base in the second year, which is not cost-effective.

It's better to take insurance, and a one-time insurance application will not affect the next insurance.

You can go to insurance, but there is no discount on the next year's premium, which is not cost-effective.

It depends on responsibility. If you are self-inflicted, you should not do insurance.

Hello, if you calculate the money, the new car is equivalent to 100%, and we call this base number assuming that our first year's premium is 5000 yuan.

If your car has not been involved in an accident for a year and has not been reported for a claim, the second year will be an eighty-fifty discount, the third year will be, and the fourth year will be. That is to say, if you do not have a record of reporting a claim within four years, then congratulations, you only need to pay a premium of 3,000 yuan in the fourth year.

So what if we have an accident during this period. The premium for the second year will return to the original price, the same as for new car insurance.

Two times is a double, three times is a double, four times is a double, and five times is multiplied by 2. What is the concept? You bought a new car with insurance of 5,000 yuan, right? After five insurances, the second year was directly 10,000 yuan.

Seeing this, we can understand how much we have to bear if we have an accident and choose to report it.

Or take our new car insurance as an example, when I buy a car, it is 5,000 yuan, and if I don't have one insurance in a year, the premium for the second year is 4,250 yuan, a difference of 750 yuan.

Then if I pay a premium of 5,000 yuan, buy the car back, and wipe it with someone. It costs 400 pieces to go to the 4s point to make a paint. Then let's look at these 400 yuan and 750 yuan and have a count in our hearts.

If I want to save the extra 350 yuan, I can choose to pay for paint touch-ups out of my own pocket and enjoy this premium discount for the second year.

If we hit it a little harder, the bumper will break. I went to change it for 1,400 yuan, but the second year's premium was 750 yuan cheaper, so I reported it decisively, right? So we can save 650 dollars.

Therefore, I suggest to all friends, encountering this kind of small scraping accident, it does not involve personal injury, nor does it involve any primary and secondary responsibility. It's still cost-effective to pay out of your own pocket. If you want to make a claim for someone else, we can also call ** to the 4S shop first to ask, how much does it cost me to repair this repair.

And then weigh it according to our preferential degree, whether it is better to report the case privately or honestly and make a claim, basically you will know it in your heart.

In addition, if the car did not crash the car, it was accidentally hit a pillar while driving. In this case, it is a unilateral accident, even if the insurance company pays you a claim, it will only compensate you for 70%, and the algorithm is different.

It's still a 5,000 yuan insurance, the bumper is broken, and it costs 1,400 yuan to change the strip, right? We actually lost 980 yuan, and if we want to change it, we have to pay another 420 fast money, plus the loss of 750 yuan without a discount in the second year, add it, and we have to spread a total of 1170 yuan.

Compared with the 1,400 yuan to buy a bumper out of pocket, we can save 230 yuan by finding an insurance company, which is an option that can be considered.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The first thing to understand is that insurance companies are the top companies in terms of profit, not charities that give out benefits for free. Although the car owner only spent a few thousand dollars when buying insurance, all the insurance seems to be able to pay up to several million. However, if the insurance is out this year, it will affect the amount of premiums next year.

About 1,000 yuan is a more common amount in accidents, and many car owners are entangled in whether to pay out of pocket or report insurance, whether it is cost-effective to take insurance within 1,000 yuan.

Repair the car 1000 out of pocket or insurance.

For compulsory insurance, 1,000 yuan is very cost-effective, because even if there is no insurance for three consecutive years, the premium of the fourth year will only save about 300 yuan, and the premium of compulsory traffic insurance in the first to fourth years is 950 yuan, 855 yuan, 760 yuan, and 665 yuan respectively, which is discounted according to %.

For commercial insurance, it is also cost-effective to take out insurance of more than 1,000 yuan, because if there is no commercial insurance for three consecutive years, the premium for the fourth year will save about 1,200 yuan. Therefore, repairing a car for 1,000 yuan is cost-effective regardless of which insurance it is. Therefore, under normal circumstances, compulsory traffic insurance can be insured if it exceeds 200 yuan, and it is more cost-effective to apply for insurance if commercial insurance exceeds 500 yuan.

How to judge whether there is an accident?

The list and calculation method of compulsory liability insurance and commercial insurance have been sorted out. All in all, both types of car insurance are one-time accidents, and the premium remains the same; No insurance, lower premiums; If you have 2 or more accidents, the premium will increase.

The cost of compulsory traffic insurance is uniformly stipulated by the state, and all banks also adopt the same preferential treatment. If there is no insurance every year, the table is as follows.

Compulsory liability insurance premiums float.

1.If there is no traffic accident in the previous year, a copy of the policy of the previous year will be provided--- 10% discount.

2.If there is no traffic accident in the previous two years, a copy of the previous year's policy (10% discount confirmed in the previous year) - 20% discount.

3.If there has been no traffic accident in the previous three years, a copy of the previous year's policy (20% discount confirmed in the previous year) - 30% discount.

4.First insured or one traffic accident (no fatalities) in the previous year - base premium.

5.2 or more traffic accidents (no fatalities) in the previous year - 10% additional fee.

6.In the event of a traffic fatality in the previous year--- 30% surcharge.

Hello, it is generally not recommended to use insurance for those below 500 yuan, because the insurance for your car is the vehicle loss insurance, which is the most expensive insurance in vehicle insurance. If you don't make a claim in the previous year, you can get a 40% discount on the purchase in the next year. The insurance premium of the insurance company is calculated according to the number of claims, and the insurance premium will not be raised for 2 times (the amount does not exceed 10,000 yuan), and the insurance premium will be increased for more than 3 times.

There is no need to find an insurance company if it is not more than 300 yuan, if there is more insurance, the insurance policy you bought has **, you call **, and the insurance company will send a escort to go.

With the improvement of the epidemic, many people have begun to turn their attention to the car market, and owning a private car is sometimes convenient. It is not difficult to buy a new car now, and you will take care of it after the new car arrives home, but it is inevitable that you will encounter various accidents. If our new car crashes, the responsibility is all on us, and it costs about 1,600 yuan to repair the car, so can this be insured?

The answer, of course, is yes, since we have bought insurance, why don't we report it? Many people may say that if you apply for insurance, the rate may become higher in the next few years, but you take a look, the amount has cost 1,600 yuan, which is already very high, and you should really apply for insurance, especially our new car. It's best to find a good place to repair it, 1600 yuan is not enough, it doesn't matter if you give a little more, anyway, we have to apply for insurance, we have to repair it exactly the same as before, so that it is worthy of the new car.

If we drive a new car, I don't think there should be anyone who doesn't buy car damage insurance.

Of course, there may be some experienced old drivers who do not buy it, and this situation is generally rare in new cars. Since we have bought car damage insurance, then our car can be damaged to claim compensation from the insurance company, the whole process of insurance is also very simple, there are many insurance companies can release the loan on the same day. The first time you have an accident, the process may not be clear, call the insurance company's **, and they will be able to solve everything for you.

After this experience, when you encounter something again, I don't seem to panic. <>

As long as we meet the conditions for normal driving, then our car has an accident, and the insurance company will definitely take care of it. Of course, if we are not fully responsible, then we need the other party's insurance company to help us repair the car. The meaning of insurance is to protect us, and they will pay us if the vehicle suffers damage.

The money we pay every year is not for nothing, although the premium may change after the insurance is declared, but for a new car, it is still necessary.

It can be reimbursed, because this insurance will guarantee as long as there is an accident, so it is also responsible for this coverage.

This is reimbursable, as long as you buy accident insurance for the vehicle, the insurance company will pay you.

It is also possible to apply for insurance, but if you apply for insurance, the amount of reimbursement is definitely not particularly large, and only part of the amount can be reimbursed.

If you crash your car by yourself, you can get insurance, and if your vehicle is insured for vehicle damage, the insurance company will pay you out.

How much does the repair cost? The insurance company will pay the repair money after communicating with the garage.

If you drive your own car and crash it, you can also apply for insurance, if it is within 2000, you can apply for insurance, and the premium will not rise next year, if it is more than 2000, you need to repair it yourself, if the chaos is not serious, or repair it yourself.

Hello, 1. Unilateral accidents: open double flashes and place warning signs and take photos for evidence, call the insurance company to report the accident, confirm with the other party whether you need to call the police (some unilateral accidents need to be certified by the traffic police or police station), and then enter the process of assessing car damage, maintenance, and claims; 2. Accidents on both sides: open the double flashes and place warning signs and take photos for evidence, first call the police and then call the insurance company to report the accident, and then enter the process of assessing car damage, maintenance and claims.

Definition of compulsory traffic insurance: The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit. Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law.

The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats". Definition of vehicle loss insurance: Vehicle loss insurance refers to the insured vehicle suffering from natural disasters (excluding **) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer shall compensate according to the provisions of the insurance contract.

This is the opposite of a third party, which is to take care of yourself, and if you take care of your car, you have to buy it. Definition of third-party liability insurance: third-party liability insurance refers to the economic responsibility that the insured or its permitted driver shall bear by the insured in accordance with the law in the event of an accident in the process of using the insured vehicle, resulting in direct damage to the person or property of the third party, and the insurance company shall be responsible for compensation.

At the same time, if the insured incurs arbitration or litigation costs with the written consent of the insurance company, the insurance company shall compensate the insured beyond the liability limit, but the maximum shall not exceed 30% of the liability limit. The vast majority of places ** will be the third party liability insurance as a compulsory insurance type, do not buy this insurance, the motor vehicle will not be on the license plate can not be inspected.

If you have a car damage insurance that buys commercial insurance, you can go to the insurance to make a claim.

1.Accident report: call the insurance company ** to report, and carry out follow-up treatment of the accident according to the insurer's information;

2.Accident investigation: The insurance company's surveyor assists the insurer in investigating the cause, nature, liability and loss of the accident;

4.Claim application: According to the type of loss in the case, collect the materials required for the claim and submit it to the insurer for the claim;

5: Compensation collection: After the reimburser verifies the accident and the claim materials, the insured will be compensated at the end of the insurance contract at the end of the month.

It depends on what kind of car insurance you are insured, if it is an accident insurance, then you will not be responsible for reimbursing you if you drive a car and crash. If you have full car insurance, you can be reimbursed. The key depends on how much you install to know how much it will cost.

I will come to you to solve this problem for you and help you solve your problems.

First of all, if you crash your car by yourself, you can apply for insurance. As long as we have purchased commercial insurance, this will be repaired for you, but it must be on-site. The insurance company's personnel can repair it when they go out on the spot!

If it is overhauled, this money is very much. See what you repair, if the engine ......These are very expensive. The amount of money is not fixed with the repair part.

Based on the above, you can apply for insurance repair, and you must have an insurance company.

If you crash your car by yourself, you can apply for treasure insurance, and if you repair it, it probably doesn't cost too much money, and most of them will be reimbursed by insurance companies.