Is it cost effective to apply for insurance for car scraps?

It is not cost-effective to apply for insurance for a small car scrape. After the reform of car insurance, the pricing factors of car insurance have changed a lot, and one of the changes is the change in the rules for the increase in premiums caused by the number of insurance trips (the technical term is called the NCD coefficient), because it is not cost-effective to cause the next year's premium to be caused by a small scratch.

Before the reform, the reward for not being insured was a maximum of three years, and the factor of insurance was only considered for one year, for example, the coefficient of one accident in a year was 1, and the coefficient of two accidents in a year was one.

After the reform, the coefficient is determined by the number of accidents in the last three years (the number of consecutive years of underwriting, the same below), in order to provide more benefits to customers who have not been insured for many years, if there is no compensation for three years, you can look at the first four years, if there is no compensation in the first four years, the lowest coefficient will be used, and if there is compensation in the first four years, the coefficient will be confirmed according to the number of accidents in the last three years. The details are shown in the figure below.

It is equivalent to giving a discount of 85% only if there is no insurance for three consecutive years.

Before and after the reform, it was determined by the number of accidents rather than the amount of insurance. The reform document contains a special way to include the number of accidents for small claims cases, but there are no formal regulations yet. A lot of value-added services after the reform.

It has become an additional insurance for car damage, such as non-accident rescue, so if you use it, whether it counts the number of accidents, the answer is no.

However, the more important factor in determining premiums after the reform is not the rebate, not the number of trips, but the autonomy coefficient of the insurance company.

After the reform, the choice of car insurance should pay more attention to service and policy**. The previous experience is that the policies of each company are different, but the rebates are different, and the future premium price may be the actual amount paid.

There are three factors that determine the premium: the insurance coefficient, the benchmark premium and the insurance company's autonomy coefficient, (there is a violation coefficient in some areas), among these three, the insurance coefficient and the benchmark premium are unified in the industry, and there is no difference between the companies (the violation coefficient is also unified), so the difference between the companies is only the difference in the insurance company's autonomy coefficient.

In summary, the coefficient of autonomy of insurance companies is determined by each insurance company within the range set by the industry, according to the risk management of their respective companies.

The model determines that it involves the judgment of people and cars, so the pricing of each company is different, and the maximum deviation is as much as twice as much. Therefore, in addition to understanding the impact of the number of accidents on the premium, the car insurance ** try to find the salesman around you for professional judgment, and it is good to repair it yourself.

It is not cost-effective to report insurance for a small car scrapeSince the more times you go out of insurance, the higher the car insurance rate, so if it is just a few small scratches, it is recommended to repair it yourself, and if the maintenance fee is more than 1,000 yuan, it is recommended to go through the insurance process.

Auto insurance is mainly composed of compulsory traffic insurance and commercial insurance, and small scratches need to use compulsory traffic insurance and commercial insurance, but compulsory traffic insurance is mandatoryThe maximum compensation is only 2,000 yuanIf the purchase is a vehicle of 100,000 yuan, then the benchmark premium for a year is about 5,000 yuan, plus the coefficient of the annual composition is different, it constitutes commercial insurance, but it should be noted that,If you have insurance several times in a year, then the cost you need to pay next year will undoubtedly be much higher than this year, but as long as you have not been out of insurance, there are certain discounts on the annual insurance cost.

Many people think that as long as you have insurance within two times a year, the insurance cost of the second year will not be **, in fact, it is not necessarily true, the correct statement is that the insurance is within two times a year, and the cost that needs to be paid is cheaper than the insurance of the new car in the first year, but the discount for the insurance that has not been out of the insurance is different, and the difference is still very large.

When there is a little scratch in the vehicle, the first thing to do is to look at the compensation cost of your vehicle and then decide whether you should take insuranceIf the cost is less than 500, it is better to go private, and it is not worth taking insurance.

If the car damage is less than 1,000 yuan, it is best not to take insurance, because if it does not appear for three consecutive years, the premium will have a lot of discounts, but if it is out of insurance, the premium will increase in the next few years, which is not cost-effective.

First of all, you must know what the situation of your car is, if you scratch it yourself, then there is no third party, you will not use the three insurance, then it depends on the severity of your scratch, if it is not serious just a scratch, it is best to repair it yourself, if it is very serious, it is necessary to spray paint at a glance, and asked a friend or car repair master, if it costs a lot of money, it is still cost-effective to take insurance.

And if it involves scratching other cars, there is a third party, then you must know how much the premium of the second year of insurance will fluctuate if you want to repair the car and take insurance, if you do not go out of insurance, the premium in the second year will drop by about 15%, and if you are out of insurance once, the premium is unchanged, you can calculate how much money is floating this 15%, and then roughly calculate how much it will cost to repair the car, and you will know what to do if you compare it.

Small scratches can generally not go to insurance, the owner of the car to bear the relevant repair costs, because once the vehicle is out of insurance will affect the next year's car insurance to enjoy the discount, it is likely that the gains outweigh the losses, the specific need to be decided by the car owner, take the insurance, the insurance company will bear the corresponding repair costs.

In addition, if the small scratch is a third-party liability, then you can take the compulsory traffic insurance, and the insurance will be taken once during the compulsory traffic insurance period, and the premium will not be discounted, and the premium will be discounted by 10%.

Extended Information:1When buying insurance, many car owners will buy compulsory traffic insurance, commercial insurance and three-party insurance, and the small scratches of the car will generally only use compulsory traffic insurance and commercial insurance.

Compulsory traffic insurance is to compensate for the loss of the other party, up to about 2,000 yuan, and commercial insurance depends on the purchase strength of the owner, the more expensive the commercial insurance amount is, but the 100,000 level of family car, its premium is about 5,000 yuan. And the insurable is based on the premium for the second year.

2.Many car owners are reluctant to take out insurance because after the insurance, the premium for the second year will be **, and these two types of insurance happen to be within the scope. At present, the compulsory traffic insurance for ordinary private cars is 950 yuan a year, and if there is no insurance in the first year, the cost will be reduced by 10% in the next year.

If there is one insurance this year, the premium for the second year will not change, but if there is two insurance, then the premium for the second year will be **10%, and the more times you go out of insurance, the more premium** for the next year.

3.If it is a small scratch, as long as the cost of maintenance is within 500 to 2,000 yuan, then you can only use compulsory traffic insurance, and there is no need to use commercial insurance, and then it will be an account. If the car is scratched and only one compulsory traffic insurance is reported, the premium for the second year is still 950, even if the car insurance is done twice, the premium for the second year is 1045 yuan, which is only 100 yuan more expensive.

If you need to pay 600 yuan, then even if it is a second accident, it is very cost-effective, and there is no loss at all.

Therefore, it is better to scrape less than 500 yuan privately, and the process is simple and trouble-free. For more than 500 yuan, the owner can choose compulsory insurance, which is more cost-effective.

When a traffic accident is insured, it is necessary to use compulsory traffic first, and when the compulsory traffic insurance is insufficient, take the third-party liability insurance and car damage insurance of commercial insurance.

Question: I drove and scratched the corner, and the insurance company said that unilateral accidents can only be reported for commercial insurance.

Compulsory insurance is only to protect the other party, not to protect themselves, so as long as the two parties are responsible, they must first use the compulsory insurance, and when the compulsory insurance is not enough, take the third-party liability insurance of commercial insurance.

After a car accident, is it cost-effective to take private or insurance? Don't be stupid anymore.

Do you want to take insurance if you have a small car scrape? Many people still don't know that they spend a lot of money unjustly.

Can I take insurance for my own car?

It's still a good deal, because it can be reimbursed.

1.A car scratch is when the surface of the vehicle is scratched, mainly when the paint is damaged. It may be scratched by a foreign object, or it can be wiped off by a tree branch while driving.

2.Scratching refers to damage to the outer surface of the vehicle, not only to the paint surface, but also to the car body, such as the car body is punctured or collided with depressions. Knowing the difference between the two, we can better judge the severity of the damage to the vehicle.

From the perspective of insurance payouts, scratch insurance refers to damage to paint and need to repair paint and other insurance. This kind of problem does not need to be repaired, and it can be restored directly by repairing the paint, so it is considered a relatively minor trauma.

Scratching needs to involve car damage insurance, which obviously can't be repaired just by repairing paint. Therefore, the consequences of the two are also very different in the way of maintenance. Generally speaking, vehicles are parked on the side of the road, and most of them are scratched by other vehicles.

Do I need to make a claim for scratch insurance?

As a type of insurance, scratch insurance generally exists separately. Because scratches are not serious accidents, it is a bit difficult to use car insurance. As we all know, insurance will affect the next year's premium, and it will also involve insurance discounts.

Therefore, if the vehicle is scratched, the car damage insurance will not be used, and the scratch insurance can play a role. This is a special kind of insurance, which allows the agreed number of scratches to be insured in one year, and this kind of insurance will not occupy the number of insurance, so the insurance discount for the next year will not be affected.

What should I do if the roadside parking is scratched and the person responsible cannot be found.

This situation will be more special, because vehicles parked on the side of the road will encounter passing vehicles, and sometimes there will be scratches if you are not careful. If there is a dash cam installed, it will be more convenient to find the person responsible for the accident, and if it is not installed, it can also be parked in a monitored area, so that in case of trouble, it can also be investigated. Of course, you also need to park in a parking space to reduce the risk of being scratched.

If I don't buy scratch insurance, is it necessary to apply for insurance?

According to their own needs, if the value of the vehicle is very high, the cost of repair and maintenance with paint is also high, then it is still necessary to find an insurance company to take out insurance, otherwise only a small fee can be repaired, there is no need to trouble the insurance company, so that you can reduce a cost at the same time, but also in the next year's insurance costs to get more discounts. Therefore, the cost of repair determines whether you need to insure or not.