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Does the number of insurance claims have any impact?

For friends with cars, they will habitually find the insurance company and settle the claim if there is any problem, but in most cases, many accidents are small, even just a small collision. One thing you should know is that the number of accidents actually has an impact on the auto insurance premium of the next year.

Therefore, we need to consider whether it is worth a compensation or private. The amount of automobile commercial insurance and compulsory traffic insurance is linked to the number of accident claims in the previous year. With more accidents, the auto insurance premium will rise next year. So, how small an accident is worth paying for? " I had four accidents last year. When I renew my insurance this year, the premium will rise by 20%. It's really not cost-effective. " Recently, the owner Mr. Fang was very unhappy. His auto insurance had just been renewed. Due to the number of accidents, his premium increased by nearly 1000 yuan over last year. After careful calculation, Mr. Fang found that after a small accident, he simply negotiated with the other party, which is more cost-effective than asking the insurance company to settle the claim. According to the small editor of Pacific Insurance online mall, at present, the insurance floating standards in many cities are: there is no discount for the first-time insurance of compulsory transportation insurance in the second year, 10% for the second year of compulsory transportation insurance, 20% for the third time of compulsory transportation insurance, more than three times of insurance and 30% for drunk driving; In terms of commercial insurance, the owners who have been out of danger twice can also enjoy preferential treatment. The owners who have been out of danger three times will rise by 10%, the owners who have been out of danger four times will rise by 20%, and the owners who have been out of danger five times will rise by 30%. The owners who have been out of danger more than five times may be rejected by the insurance company. So, what is the amount of the accident that is' worth a compensation '? Insurance experts said that the key is the formula for calculating the premium of auto insurance. At present, the vast majority of insurance companies will increase the premium by 10% in the next year if the number of claims in the previous year reaches three; For claims settled four times in the previous year, the premium will rise by 20% in the next year. Once the claims have been settled five times or more, there will be a risk that the insured company will 'refuse to cover' commercial insurance in the next year. This also means that 10% and 20% are two critical points. " For example, for a car of 200000 yuan, there are four basic commercial insurances (car damage insurance, 200000 third party insurance, excluding deductible and 10000 yuan for personnel insurance), and most of the premiums are about 4500 yuan. This also means that if the number of auto insurance claims in the previous year exceeds three, the premium will rise by 4500 & times in the next year; 10% = 450 yuan. If the claim is settled four times, the floating amount will reach 900 yuan. In other words, for a car that has had two accidents and has another accident, if the maintenance amount is less than 450 yuan, it's better not to find an insurance company and do it yourself. ".