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What is the premium for the second year after full responsibility?

Now, with the progress of society, more and more people choose to drive instead of walking, and there are more and more vehicles, which will inevitably lead to some traffic problems. Generally, everyone will buy insurance when buying a car. For insurance companies, they are not responsible for all of them. Generally, there are explicit provisions. What are the provisions? If you are fully responsible for the traffic accident, how much premium do you have to pay in the second year?

If no one is injured but the loss of the vehicle, you have also insured against all risks such as vehicle damage insurance, notified the insurance company when determining the loss, and the insurance company agrees to the price of determining the loss, then the maintenance fee should be reimbursed by the insurance company. In the second year, the premium rose. First, the compulsory insurance returned to the non discounted price (950 yuan for small cars). The second is commercial insurance. The rise of commercial insurance is determined according to the cost of the accident. The amount of rise is limited to only one accident in a year. Generally, it does not rise, but there is no discount (normal commercial insurance also gives a discount of 7-80%). If there are many accidents, it can rise by 10-50%. Yours is an accident and the cost is not much, The premium will not rise much in the second year, that is, 10%.

1、 The auto insurance claim settlement in that year will have an impact on the total auto insurance premium in the next year. The specific impact will be calculated according to the latest auto insurance rate terms - mainly affected by the number of accidents and the amount of claims. The more the number of claims and the greater the amount of claims, the more expensive the premium in the next year. According to the types of automobile insurance, it can be divided into traffic compulsory insurance and commercial insurance.

2、 The policies of each insurance company in commercial insurance are different. There are two indicators to measure, one is the number of accidents and the other is the amount of claims. However, the preferential policies of various insurance companies will be adjusted every year, and the policies will vary with different models and types of insurance. Generally speaking, if the number of occurrences is only once and the total amount of claims does not exceed the total premium of the commercial insurance part of the previous year, you can enjoy the same preferential range of the previous year; However, if the number of accidents exceeds or exceeds twice, not only will you not enjoy the discount, but also may be increased.

3、 Insurance laws and regulations stipulate that the premium of compulsory insurance will be 10% off the standard premium; 20% discount will be given on the basis of standard premium if there is no accident for two consecutive years; 20% off for three consecutive years without accident -- 70% off is also the lowest discount for compulsory insurance. If the accident occurs once in the previous year, the premium will be issued according to the standard premium. If the accident occurs twice or more, the premium will be issued by 10% of the standard premium; According to the number of accidents, it can float up to 30%.

4、 Floating rate of compulsory traffic insurance:

If there was no traffic accident in the previous year, provide a copy of the insurance policy of the previous year - 10% discount

If there is no traffic accident in the previous two years, provide a copy of the insurance policy of the previous year (the discount confirmed in the previous year is more than 10%) --- 20%

If there is no traffic accident in the previous three years, provide a copy of the insurance policy of the previous year (the discount confirmed in the previous year is more than 20%) --- 30%

First insured or one traffic accident (no death) in the previous year -- benchmark premium.

In case of two or more traffic accidents (no death) in the previous year, the fee shall be increased by 10%

Traffic fatalities occurred in the previous year - an increase of 30%

Purchase principle:

1、 Give priority to purchasing full third party liability insurance

The third party is the most important of all types of automobile insurance. After all, you can't drive when the car is destroyed, but the compensation of others can't be exempted. When purchasing auto insurance, you should put the ability to compensate others' losses first. Otherwise, the only thing to do is to sell the house or divorce to preserve property after the accident. Would you like to? The premise of the above loopholes is that the other party has not applied for property preservation of your assets. Therefore, in order to avoid similar troubles, the third party insurance should be fully insured.

2、 The insured amount of third party insurance shall refer to the local compensation standard

The compensation standards in various parts of the country are different. According to the highest standard of automobile insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Beijing may also be 800000 yuan. For example: if the traffic accident in 2008 pays full responsibility and one person dies, the deceased is 30 years old, and the urban hukou in Beijing, the compensation is calculated as follows, which is estimated to cost 600000 yuan.

The above three items may add up to more than 600000. If you are a Beijing car owner, it is recommended to look at your old insurance policy. If the insurance amount is insufficient, it is recommended to insure at least 200000 yuan and 500000 yuan if conditions permit. Don't save the money of third-party liability insurance. Some insurance companies refuse to insure more than 500000. From this point of view, we should know the key of third party liability insurance.

3、 Buy car damage insurance after buying enough car personnel insurance

The driver is you. It is suggested that if the owner does not have other accident insurance and medical insurance, he should give himself 100000 driver insurance as medical expenses, which can be regarded as being responsible for his family. Passenger insurance if passengers have more chances to ride, they can insure more, 50000-100000 / seat, which is responsible for their families and passengers. If passengers are less likely to ride, it is more economical to guarantee 10000 per seat.

4、 Buy other types of insurance after buying car damage insurance

Traffic accidents are often accompanied by car damage, needless to say here.

5、 Purchase deductible insurance of third party insurance, driver passenger seat liability insurance and vehicle damage insurance

Spend a little more money and let the insurance company not deduct this and that when making compensation.

6、 Other types of insurance (theft and rescue, glass, spontaneous combustion and scratch insurance) shall be purchased in combination with their own needs

For example, theft and rescue, glass, spontaneous combustion, scratch insurance and other types of insurance will not have a serious impact on family happiness and finance compared with the above 1-5 risks. Therefore, it is recommended to purchase according to demand.