How much will the premium increase for the second year of car insurance

Compulsory traffic insurance: 1. Once out of insurance (no death), the second year premium for less than 6 seats will not rise. In the event of a death, the premium is increased by 30% for the second year.

2. If there is an accident (no fatalities), the premium for the second year of more than 6 seats will not rise. In the event of a fatality, the premium will be increased by 30% for the second year.

Commercial insurance: commercial insurance in the previous year once out of insurance, the second year's premium is not floating, two or more commercial insurance will be **, **range according to the regulations of the insurance company.

Accident process: 1. Call the customer service of the insurance company ** to report the case, and if there is an emergency, you can also call the police at 110 for help. The insurance company's claims customer will inquire about the accident situation and arrange for a surveyor to go to the scene to assist in the rescue.

2. If the vehicle cannot be moved, you can also apply for towing rescue, and after arriving at the scene, you can jointly determine the accident responsibility, loss and cost with the customer, tow the vehicle to the repair shop for maintenance, and assist in on-site cleanup.

3. Inform the customer of the claim information that needs to be submitted, and the owner can pay it on the spot, or submit the specified claim materials by mailing others on behalf of others.

4. The insurance company's determination of claim materials and accident liability varies from insurance company to insurance company, and the claim settlement efficiency of different insurance companies is different, and the details need to refer to the claim settlement commitment of the insurance company. The insurance company will determine and calculate the compensation according to the contract.

5. After the audit is passed, the calculation will be carried out in accordance with the contract, and the compensation will be paid according to the agreed payment method.

Hello, if the insurance is only one time, the impact is not great, and the premium for the second year will still be charged according to the prescribed standard. Generally speaking, if there are 2 or more accidents, the premium will be paid in the second year**.

For example, the premium of compulsory traffic insurance: if there were 2 or more accidents in the previous year, the price will be increased by 10%, and if there is a fatal accident in the previous year, the price will be increased by 30%, such as 950 yuan, and the maximum is 1235 yuan.

Commercial insurance premium: If you have not been insured in the previous year, you can enjoy a discount when you renew the policy; In the event of 1 to 2 claims, it will be covered at the base premium; In the event of 3 claims, the car insurance rate is 10% of the base premium**.

Of course, if there is no insurance, not only the premium is not **, but the premium for the second year will be discounted accordingly.

If you don't know how to buy car insurance, you can take a look at this article:

What car insurance is good to buy? Are there pits?

The premium for the second year of the car insurance can be increased by up to 30% once. At present, in order to be able to retain customers under the fierce competition, most insurance companies have indicated that if the premium of car damage insurance is not the first, the actual increase in the premium in the second year still depends on the policy of the specific insurance company purchased, because the regulations and discounts of each insurance company are different.

Further information: Motor vehicle insurance, that is, automobile insurance, refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents. Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance.

Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles. With the development of the economy, the number of motor vehicles is increasing. At present, motor vehicle insurance has become the largest type of insurance in China's property insurance business.

Motor vehicle insurance already covers the majority of motor vehicle accidents, and China's Ministry of Communications has made it mandatory for car buyers to purchase motor vehicle insurance to ensure that the legitimate rights and interests of victims are protected in the event of a car accident. For example, compulsory liability insurance is a type of insurance for the purpose of ensuring the rights and interests of third parties. The more famous auto insurance companies in China include Chinese People's Property Insurance Co., Ltd., Ping An Insurance Company of China, Pacific Insurance Company, etc.

Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle loss insurance and third-party liability insurance, full vehicle theft insurance (theft insurance), and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance). Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, on-board cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, excluding deductible special insurance, etc.

Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured. On-board liability insurance, no-fault liability insurance, on-board cargo drop liability insurance, etc., are additional risks to third-party liability insurance, and third-party liability insurance must be insured before these additional insurances can be insured; Each insurance plan can be insured independently, excluding deductibles.

Ping An Insurance will increase the premium by about 10% or 30% in the second year after one accident.

If it is compulsory traffic insurance, if the insurance occurs once in the previous year but does not involve the death of the person, the premium for the second year will not be **, but it will no longer enjoy preferential discounts, and can only be purchased at the original price; Compulsory traffic insurance for vehicles with less than 6 seats is 950 yuan per year. If there is an accident in the previous year and the person is killed, then the spring loss fee will be increased by 30% in the second year.

In the case of commercial auto insurance, if there is a no-fault accident, the premium will not change much in the second year; If the insurance is insured once but the person dies, the premium may range from **10% to 30% in the second year.

If you want to apply for insurance correctly and quickly, you must pay attention to the following points:

1. If the responsible parties have no objection to the determination of responsibility, they can take photos to collect evidence and notify the traffic management department, and then report to the insurance company; Baopao Zhou Insurance Company will decide whether to go to the scene to investigate according to the situation, and you must prepare the claim materials in advance when making a claim.

2. If the vehicle is only slightly scratched, dozens of dollars or hundreds of dollars can be done, there is no great need to apply for insurance, you can go directly private, to avoid affecting the underwriting and premium adjustment of the second year.

3. If a major traffic accident occurs, such as a crash or rollover, the police and traffic management should be reported immediately after the accident, and the person should call 120 as soon as he was injured; Then report the case within 48 hours. <>

The increase in the premium in the second year after the insurance is divided into the following five situations, which are specifically analyzed:

The first type: once in a year, the insurance cost of the next cycle will not be discounted. Assuming that the premium is 5,000 yuan, and the insurance is out once a year, the insurance premium for the next cycle is 5,000 yuan.

The second option: if the insurance is insured twice in a year, the insurance cost will increase by 25% in the next cycle. Assuming that the premium is 5,000 yuan, and the insurance is insured twice a year, the insurance premium for the next cycle is 5,000 + 5,000 * 25% = 6,250 yuan.

The third type: three times in a year, the insurance cost will rise by 50% in the next cycle. Assuming that the premium is 5,000 yuan, and the insurance is insured three times a year, the insurance premium for the next cycle is 5,000 + 5,000 * 50% = 7,500 yuan.

Fourth: If you go out four times in a year, the insurance cost will rise by 75% in the next cycle. Assuming that the premium is 5,000 yuan, and the insurance is insured four times a year, the insurance premium for the next cycle is 5,000 + 5,000 * 75% = 8,750 yuan.

Fifth: If you have five or more accidents in a year, the insurance cost will rise by 100% in the next cycle. Assuming that the premium is 5,000 yuan, and the insurance is insured five times or more in a year, the insurance premium for the next cycle is 5,000 + 5,000 = 10,000 yuan.

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The rate of compulsory traffic insurance is floating: If there is no traffic accident in the previous year, a copy of the policy of the previous year --- 10% discount

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If there is no traffic accident in the first two years, a copy of the policy of the previous year (10% discount confirmed in the previous year) - 20% discountIf there is no traffic accident in the first three years, a copy of the policy of the previous year will be provided (the discount of 20% confirmed in the previous year) - 30% discount

After a car insurance policy is out once, if it does not involve death, the car owner's premium for the second year will not rise, that is, the cost will be the same as the first year. If there is one accident and there is death, the car owner's premium will increase by 30% for the second year.

If the car owner does not have insurance in the first year, then the premium for the second year can be reduced by 10%, if the car owner has not been insured for two consecutive years, the insurance fee can be reduced by 20%, and if the car owner has not been insured for three consecutive years, the premium can be reduced by 30%.

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 for Hongshen in the next 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.

If the driver of a motor vehicle has only one accident a year, the premium for the second year will not be discounted and the original price will be maintained. However, if the driver has 2 accidents or accidents, the insurance premium will increase by % respectively. If more than 5 accidents occur in a year, the premium will be doubled.

On the contrary, if there is no accident for one year, the premium can be discounted by 85%, 20% discount after two years, and 60% discount for three consecutive years. Car insurance

1. If a motor vehicle has an accident, it means that the premium of the first line of the next week will not enjoy the preferential policy. For example, the insurance premium is 4000MetaThe insurance company is blind once a year, which means that the insurance premium for the next cycle is 4,000 yuan.

2. If more than 5 accidents occur in a year, it means that the insurance cost of the next cycle will increase by 100%. For example, if the premium for the first year of car insurance is $4,000 per year, the premium for the next cycle will be $4,000 + $4,000 = $8,000.

3. If there are four accidents in a year, the premium may rise to 75% for the next cycle. Assuming the premium for the first year is $3,000, the premium for the next cycle is $3,000 + $3,000 * 75% = $4,500.