How much will the premium increase in the second year after the car insurance is out of business? Wh

Hello, the ** of the second year of compulsory liability insurance will be increased with the number of accidents in the first year, and the calculation method is: compulsory liability insurance = basic premium (1 + floating ratio).

If you want to know more about the knowledge of compulsory traffic insurance, it is recommended to read this article, there will be a lot of gains!

Car insurance is too expensive, can I only buy compulsory traffic insurance? You must know, otherwise you will suffer on the road!

1. There was no road traffic accident in the previous year.

2. 20% of the road traffic accidents that were responsible for the last two years.

3. 30% of the road traffic accidents that have not occurred in the last three or more years.

4. 0% of the road traffic accident that occurred in the previous year and was not involved in death.

5. 10% of road traffic accidents that occurred twice or more in the previous year.

6. 30% of the road traffic fatalities occurred in the previous year.

Here I would like to add that there are two main restrictions on compulsory traffic insurance: 1. The compensation object of compulsory traffic insurance is limited to a third party, if your car is damaged, or if the person in your car is injured, the compulsory traffic insurance will not pay. 2. Sum insured.

Low. If the person is injured, the medical expenses will be compensated up to 10,000 yuan, and if the person is unfortunately killed or disabled, the compulsory traffic insurance will pay up to 180,000 yuan in death and disability compensation.

Therefore, it is not enough to only have compulsory traffic insurance, but also to cooperate with other commercial auto insurance.

to protect the vehicle from risk.

Pay attention to attentive insurance, 1-to-1 free consultation, adhering to a professional, objective and neutral attitude, choose more cost-effective products for you, and make buying insurance an easy task!

The insurance premium for the second year of car insurance is related to the number of accidents, the amount of insurance, the number of insurance, etc., as follows:

1. Compulsory traffic insurance.

If the user has not been involved in a road accident for which he or she was responsible in the previous year, his or her premium will be reduced by 10% for the second year

If the user has been involved in a road traffic accident in the previous year for which he was responsible but did not involve death, the premium for the second year will remain unchanged.

If the user has been involved in two road accidents in the previous year for which he was responsible but did not involve death, the second year's premium** is 10%.

If a user is responsible for a traffic fatality in the previous year, the second year's premium**30%.

2. Commercial insurance.

The premium for the second year of commercial insurance is determined according to the regulations of the insurance company, and the preferential policies of commercial insurance of different insurance companies are different, and you need to contact the insurance company for specific details.

If it is only compulsory insurance, the premium increase is about, 100 to 300, if it is compulsory insurance plus commercial insurance, your second year premium should increase by 1 3, and the premium is expected to be about 3000 yuan.

Current car insurance premium calculations. In the last three years, the car was linked to the accident. The premium for the next three years after the number of car insurance trips is zero**. There is a premium that will be about minus 1 3 or so. Pay twice, about 50% up.

It depends on the company, it appears 2 times, generally **10%.

How much does the premium increase in the second year after the car insurance goes out and why? After the car insurance is out of the ordinary. The fare for the second year is according to the original. The amount of insurance goes to the insurance.

Under normal circumstances, as long as the accident is not very big, the preferential premium policy for the second year will not be available, and if the accident is more serious, the premium will be raised.

After the car insurance is out of business, the premium for the second year will revert to the standard premium because of the new policy.

This is because if there is an increase, it will be considered a dangerous user and increase the burden.

How much will the premium increase in the second year after the car insurance is out of business? Why do I think something might be in danger? Maybe the premium will be raised, but you should consult and ask about the specific amount of adjustment?

For compulsory liability insurance, the rate fluctuation factors and ratios are as follows:

1. No responsible road traffic accidents in the previous year - 10%2, no responsible road traffic accidents in the last two years - 20%3, no responsible road traffic accidents in the last three or more years - 30% 4, one responsible road traffic accident in the previous year that did not involve death 0%5, two or more responsible road traffic accidents in the previous year 10%6, 30% of the responsible road traffic fatalities in the previous year

The more times you take out your car insurance, the more expensive your premiums will be for the following year.

1. If the customer has one accident in one year, and the compensation amount is less than 80% of the insurance premium, then the second year's premium can be discounted by 7%.

2. If the customer has 2 accidents in one year, and the compensation amount is less than 80% of the insurance premium, the premium for the second year can be discounted.

3. If the customer has 3 accidents in one year, the premium will rise by 10% in the second year, and the insurance cannot be covered without deductible.

4. If the customer has 4 or more insurance trips in a year, the premium will have more room to rise, which can be as high as 30%, excluding deductibles and car damage insurance.

The car insurance has risen several times.

1. Regarding the number of times car insurance is raised, different insurance companies give different plans. Many insurance companies have car insurance twice, and the premium for the second year will rise. There are also some insurance companies that have car insurance out three times, and the premium will only rise in the second year.

2. China stipulates that everyone who has a car must buy an insurance product for their car, otherwise they will not be able to legally go on the road. The fluctuation of the cost of insurance is also regulated by the state, no matter which one we buy, the cost of compulsory insurance for the same car is the same.

3. If we have not had an accident in the process of using the car, then we can get a discount of about 10% if we buy car insurance again in the second year, 20% in the third year, and 30% in the fourth year, which is also the lowest discount for compulsory traffic insurance.

4. The number of rises in car insurance is related to the type of insurance we buy and the insurance company, so when buying insurance, we must understand clearly before making a choice.

Commercial auto insurance is calculated as follows:

Commercial Auto Insurance Premium = Benchmark Premium * Rate Adjustment Factor Benchmark Premium = Benchmark Pure Risk Premium (1 - Surcharge Rate) Rate Adjustment Factor = No Claim Preferential Factor Traffic Violation Factor Voluntary Underwriting Factor Autonomous Channel Factor.

That is to say, the main rate coefficient that affects the premium of the next year is the preferential coefficient of no claim, and if there is a new insurance or one insurance claim in the previous year, the preferential coefficient of no claim in the following year remains unchanged; In the event of 2, 3, 4 and 5 insurance claims, the preferential coefficient of no claim will be increased by % respectively. Leave the insurance once or maintain the premium of the previous year.

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.

If the number of accidents is relatively small, and there is no great compensation, so the premium will not change, but if the number of accidents is large, and the amount of compensation is relatively large, some premiums will be increased, this is because the insurance company has paid a lot, and there will be a ** situation.

Generally speaking, the premium of car insurance does not increase in the second year after one accident, but there is no discount, because there is a certain standard, so it will not increase the price casually.

It depends on the number of trips you have, and the more times you have, the larger the amount, the higher it will be in the second year. Because insurance companies also want to make money, it is impossible to give you money casually.

Now there are more and more cars on the road, and it is inevitable that there will be bumps and even major accidentsIn fact, once the car insurance is out once, the premium for the second year will not be generated**Of course, this is on the premise that there are no fatalities. 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.

1. What is the premium fluctuation 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. Why should I configure enough commercial insurance for my 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.

If you only have one insurance this year, the premium for the second year will generally not be **, and if you have more than three insurances, the premium will definitely be **10% or 20%.

If the customer has 1 insurance in a year, and the amount of compensation is less than 80% of the insurance premium, then the second year premium can be discounted by 7%, generally speaking, in the absence of insurance, the insurance purchased will be cheaper year by year.

The premium for the second year should be about 10%, and in many cases, once the car insurance is out of business, it will definitely increase in the second year.

Generally, it will be about 10%, and these premiums are stipulated in the corresponding contract content, and they also have the corresponding legal effect.

There are two types of changes in premiums for the second year after a car insurance policy is issued once:

1.The first is that the premium will increase.

If you are insured by the same company, apply once in the first year and plan to renew in the second year, the required premium may increase. The reason is that the insurance company paid more compensation last year, and the insurance company will naturally use other methods to make up for its own losses last year. Also, if you make the insurance company bear a huge amount of compensation in the first year of insurance, then the insurance company will think that the same situation may happen this year, so the insurance company can only increase the amount of insurance for the customer by increasing the premium.

2.Premiums remain the same.

First of all, a once-a-year adventure is a relatively rare adventure. If the amount of compensation from the insurance company is not very high, then the insurance company will generally not increase the cost of insurance. If the premium is raised only once without causing a huge loss, then some people may go to other insurance companies to buy insurance.

Under normal circumstances, insurance companies do not raise insurance premiums unless the insurance compensation amount for the previous year is too high, so I hope that all car owners can drive safely.

Car insurance is divided into compulsory traffic insurance and commercial insurance, although we said above that there will be no increase in premiums, but in fact, the premium of car insurance once and in the second year** is actually increased compared with the first year.

Compulsory Insurance: First time insured or one traffic accident (no death) in the previous year - base premium.

In the event of a traffic fatality in the previous year--- 30% of the fee will be added

Commercial insurance fluctuates based on the number of trips in the previous policy year. Generally, after two accidents, it will float, and the specific floating regulations are as follows: the number of accidents in the previous year is 3 times, and the float is 10; The number of accidents in the previous year was 4 times, and the number of accidents increased by 20; The number of accidents in the previous year was 5 times or more, and the increase was 30; If the number of accidents in the previous year is more than 8 times, the insurance company may refuse to renew the policy.

Question: If he was insured for two cars last year, he compensated others 700 yuan, and this year's insurance premium was 900 yuan more than last year, should he be given an insurance company?

You don't give the words to the insurance company. Then you can't be insured.

Wait for you to show up too many times. The insurance company will deny you coverage.

Question: I am a new car, the first year of insurance, the insurance company compensated me 700 yuan, then the second year of insurance more than 800 more than the previous year.

Commercial Insurance** fluctuates from one insurer to another.

How much to go up. It's all for a reason. You can check with your insurance company. Why do you want to go up so much.

Question: Isn't there a rule that if the risk is less than 2,000 yuan, it will not affect next year's safety?

I don't know the specifics.

The specific floating regulations are as follows: the number of accidents in the previous year is 3 times, and the increase is 10; The number of accidents in the previous year was 4 times, and the number of accidents increased by 20; The number of accidents in the previous year was 5 times or more, and the increase was 30; If the number of accidents in the previous year is more than 8 times, the insurance company may refuse to renew the policy.

I asked the question in consultation about what I was talking about.

Your Bang Cang analysis of the insurance company is incorrect.

The increase in insurance is certainly due to the fact that the insurance company has increased for a reason.