an essential step for friends with cars is to buy auto insurance, so you can see that none of those who have cars will not buy auto insurance, because they are not afraid of ten thousand, just in case. If you drive carefully, there will always be several pairs of accidents on the road, What should we do about too many accidents?
When the car owner is in danger for many times, some insurance companies will increase the deductible when settling claims, and urge the car owner to pay attention to safety when driving by deducting certain claims. Of course, from another perspective, the owner's repeated accidents show that his driving skills are still insufficient, resulting in a higher probability of auto insurance accidents than usual, which should belong to the owner's fault. The insurance company's discretionary deduction of claims is equivalent to offsetting his obligation to pay more premiums, just as the owner has too many claims during the year. When he renews his insurance, the insurance company will require him to pay more premiums.
For the essential compulsory insurance, if the number of insurance claims is too many, how much will it pay in the second year? First, let's look at the premium calculation formula of compulsory insurance. Its final premium is equal to the basic premium & times; (1 + floating ratio associated with road traffic accidents) & times; (1 + floating ratio associated with traffic safety violations a). In other words, the renewal cost of compulsory traffic insurance in the second year should be based on whether the vehicle had traffic violations or claims accidents in the previous year. If there was no responsible road traffic accident in the previous year, the floating rate is - 10%; No responsible road traffic accidents occurred in the last two years, with a floating rate of - 20%; No responsible road traffic accidents occurred in the last three years, with a floating rate of - 30%; A road traffic accident that is responsible for not involving death occurred in the previous year, with a floating rate of 0%; There were two road traffic accidents that were responsible for not involving death in the previous year, with a floating rate of 10%; Responsible road traffic fatalities occurred in the previous year, with a floating rate of 30%.
Tip: for auto insurance, the more insurance claims are settled, the less compensation will be deducted. For traffic compulsory insurance, the renewal cost in the second year depends on whether there are traffic violations or claims accidents in the previous year. Therefore, for suggestions such as small friction, it is better not to settle claims.