How much is the second year of all risk insurance, and how many times will the premium of the second year rise? These questions must be of great concern to everyone! How much will the premium of the second year after the accident of compulsory insurance rise? Let's have a look.
After deducting 12 points, in case of an accident, no compensation will be made
The main thing is to find out what kind of state it is to deduct 12 points. According to the law, the driver's license score has reached 12 points, and the driver's qualification should be detained according to law. Even if the driver's license is around, the driver can't perform the driving behavior. That is to say, if the driver's license has been deducted for 12 points and has not been dealt with in time, driving on the road is regarded as driving without license.
However, according to relevant insurance laws, in case of illegal driving, such as drunk driving, unlicensed driving, taking controlled psychoactive drugs or narcotic drugs, the insurance company can only advance the compensation within the limit of personal injury of compulsory traffic insurance, and has the right to recover from the infringer, while the third party liability insurance will not be compensated due to the existence of illegal reasons.
Do you pay for all risks if you are in danger
The answer is no! The so-called "all risks" is not so comprehensive at all. Generally, it includes traffic compulsory insurance, vehicle loss insurance, third party liability insurance, pilferage and rescue insurance, no deductible insurance and other major types of insurance, while special types of insurance such as glass insurance are not included.
So what are the situations that are not covered by all risks insurance? Here are 14 common situations that can not be covered by all risks insurance for your reference, so as to avoid losses:
1、 No compensation for drunk driving, unlicensed driving, no annual inspection for driving license and driving license; 2. No compensation for earthquake; 3. No compensation for mental loss; 4. No compensation for loss during vehicle repair: if any collision, theft and other losses occur during vehicle repair, the insurance company will refuse to pay compensation;
5. No compensation for engine damage caused by water in the engine; 6. No compensation for tire blowout: no compensation for damage to other parts of the vehicle, but no compensation for wheel damage alone. Experts remind that the insurance company is still responsible for the compensation for the loss of other parts of the vehicle caused by the collision, rollover and other accidents caused by the burst tire;
7. No compensation for damage caused by articles on the vehicle: if the vehicle is injured by articles loaded in the car or on the roof, the insurance company is not responsible for compensation; 8. No compensation for direct repair without loss assessment;
9. The owner of the car shall not hold the person responsible for the accident liable for no compensation: when the car collides with other vehicles, the responsibility lies with the other party, and if the right to recover from the third party is waived, the right to claim compensation from the insurance company is also waived; 10. If the car is not lost, the tire is lost without compensation: if the car is not stolen, only the parts such as tires and audio equipment are stolen, the insurance company is not responsible for compensation;
11. Towing a vehicle that is not covered by the insurance will result in no compensation for the collision: if you drive a vehicle that is not covered by the third party liability insurance to go on the road and collide with other vehicles and take full responsibility, the insurance company will not make any compensation; 12. No compensation for hitting your own family: the so-called first and second refers to the insurer and the insured (the driver is regarded as the insured).
All of them are regarded as the third party. In terms of insurance, the family members of the insured or the driver are excluded from the scope of "third party". If one's family is hit, the insurance company shall be deemed as exempt.
In the same way, if the vehicle is collided by the same unit, it cannot be compensated through the third-party liability insurance; 13. If the lamp or reversing mirror is broken separately, it will not be compensated; 14. If the equipment is added by itself, it will not be compensated: the expert reminds the owner that the audio, radio, tail, luggage rack, etc. added by itself, if there is no separate insurance for this, the insurance company will not compensate for the loss once the collision is caused.
Several risks will cause the premium to rise in the second year
There are some differences in the regulations of different insurance companies. Several mainstream insurance company regulations have been sorted out for your reference:
Pacific Auto Insurance: this seems to be more reasonable. It is stipulated that if there are no more than two accidents in the previous year, the price of commercial insurance will not increase in the second year.
F.P.A. automobile insurance: if the accident occurred only once in the previous year, the premium of the second year will not be affected. But if there are two risks, it depends on the amount of the claim. If the amount of the claim does not exceed the premium of the previous year, the second year can enjoy the same benefits as the first year. If the amount exceeds the premium, the premium will be increased.
Life and automobile insurance: if the insurance is carried out more than three times in the previous year, the premium of the second year will be increased by 8%.
PICC auto insurance: there was no or only one insurance in the previous year. The premium can be discounted by 70% on the basis of the standard premium, and you can enjoy another discount of about 8.5% on the basis of telemarketing. If the risk is more than one time, the discount of 8.5% will no longer be enjoyed.