Driving on the road, who has not encountered several minor accidents. If the accident is really small, then whether it is private or cost-effective insurance? Many owners also know that the insurance will affect the premiums for the coming year, but how much is the specific increase? Is it better than private? We come today Analysis and analysis!
Traffic accident
1. Distinguish who is responsible first
You do not have to be responsible, then it will not affect the premium.
First of all, auto insurance premiums consist of commercial insurance premiums and premium insurance premiums. Different types of accidents have different effects on premiums. If you do not have responsibility for this incident, then it will not affect the premium, so please do not take the responsibility easily when dividing the responsibility, otherwise you will feel bad when you buy insurance in the coming year.
In the case of responsibility, it will definitely affect the premium. As we all know, strong insurance is compensation for others, it belongs to liability insurance, and it is relatively cheap, often less than a thousand dollars, but the limit of compensation for property damage is only 2,000 yuan.
The specific compensation limit is as follows:
Limit of compensation
Then, assuming that the loss of the vehicle is not taken into account, the compensation for the other party shall not exceed RMB 2,000 according to the proportion of liability. At this time, the compensation will not be used for commercial insurance (without affecting the commercial insurance premium).
Did you find out: How can compensation be made in the form when there is no responsibility in the form? This is stipulated in the insurance clause, but now it has been reduced to a non-claims compensation processing mechanism, and no liability is paid out. Compensation for the other party’s losses only, and no more than 2,000 yuan will not affect commercial insurance.
2, in the case of responsibility
Once you are out of danger, you will not use commercial insurance. How much will you pay for your strong insurance?
According to China's "Interim Measures for Forced Insurance Premium Rate of Motor Vehicle Accident Responsibility," the tariff rate will vary according to the following table:
Transit Insurance Premium Rate Floating List
When the risk arises, the insurance premium will only rise at a maximum of 30% (for example, this year it will be a 30% discount, and once out, there will be no concessions next year). For the ordinary 6 or less of the family sedan, pay premiums for the new car premium insurance is 950 yuan, the highest risk of a rise of 285 yuan.
Therefore, unless the accident is small enough to wipe off the other party's lacquer, the repair paint can be repaired, otherwise the insurance claim is obviously more cost-effective than private.
Nowadays, claims are not like the past. Small accident claims have been very fast, and most accidents that have not been hurt are mostly traffic police procedures, and they have been quicker to report and pay compensation.
Of course, if you are still in trouble, when you are in a hurry, you will not lose the money.
3, how to use commercial insurance if it is cost-effective?
The above is only targeted at a few. When the other party loses more than 2,000 yuan, or one’s own vehicle needs to be compensated, it is necessary to use commercial insurance. Here, it is necessary to mention the new policy of auto insurance fee reform that has been fully implemented in China on July 1 this year.
We have found that because of the insurance premium of a few thousand dollars in commercial insurance, the risk of insurance premiums is greater at one time.
Therefore, every time after the second time of the year, each insurance trip will result in a premium of more than RMB1,000 in the coming year! So at this time (after the second trip), if it is a few hundred small accidents that can be done, it is recommended not to use commercial insurance. .
Note! The more accidents you have made in the year, the less accidental insurance will be worthless.
4. What should I do if I get rejected?
Since insurance companies are commercial organizations, they also pursue commercial profits. If the number of outbound trips is too high (more than 3 times), they may face refusal to protect the family in the coming year, and may be collectively refusing to make insurance. There are insurance record search platforms within the auto insurance industry, and several times At a glance.
At this point, the owner can contact a smaller insurance company, in order to seize the market, such high-risk business may still be met. You can also choose to take out a year of commercial vehicle insurance. As long as the vehicle owner does not have traffic violations or accident claims during the year, the insurance company can underwrite the new insurance business in the next year.
However, the TAC insurance will not be refused, and the TAC insurance policy expressly provides that the insurer should choose an insurance company with the qualification to engage in motor vehicle traffic accident liability compulsory insurance when it is insured, and the selected insurance company must not refuse or delay the underwriting.
5, small accident compensation advice
From the point of view of maximizing the economic benefits of car owners, for small accidents: the loss is too small and it is recommended to directly give money one hundred yuan. It takes more time for a few hundred small accidents to use commercial insurance rather than gain.
When the loss is not high or bad, you can report with the insurance company first, take a picture to the surveyor or the repair shop's friend to assess the damage, avoid the other party asking for a price, and calculate the damage price is the private expense. The subprime premium formula uses an equation to make an estimate. Finally, it compares the estimated premium increase with the negotiated private expense. If it is found to be more cost-effective, then the re-sale will be counted as not taking the risk.
Of course, choosing a safer car can also reduce unnecessary insurance costs. Perhaps your ideal car is them!
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