With the increasing popularity of private cars in recent years, more and more families have also driven cars, but due to the differences in the driving skills of different owners, coupled with the huge number of cars on the road, it can be said that the incidence of traffic accidents is getting higher and higher. Therefore, as every motor vehicle, if you want to drive smoothly on the road, you must buy the corresponding car insurance, but in recent years, with the continuous introduction of new insurance systems, it has led to changes in the premium of private cars. So for a private car, especially the first year of insurance compared to the insurance, what will be the change in the second year of insurance? Car owners may wish to take a look!
From the continuous changes in the auto insurance system in recent years, it can be seen that the level of car premiums and the usual insurance situation of the vehicle are closely related, if the vehicle has not insured insurance claims for many years, the next year's premium will decline, but when the vehicle has an insurance record, the next year's premium will increase. Judging from the relevant provisions of Article 3 of the current "Interim Measures for the Floating Of Compulsory Insurance Rates for Motor Vehicle Traffic Accident Liability", there are also specific changes in the corresponding premiums of automobile insurance.
The premium change regulations are roughly as follows: 1. If the vehicle is not insured in the previous year, the premium when the vehicle is renewed will drop by 15%; 2. If the vehicle has not been insured for 2 consecutive years, the premium when the vehicle is renewed will drop by 30%; 3. If the vehicle has not been insured for 3 consecutive years, the premium at the time of vehicle renewal will drop by 40%. On the contrary, 1, when the vehicle has a responsible accident in the previous year and does not involve death, the premium does not change when the vehicle is renewed; 2, when the vehicle has two responsible accidents in the previous year, the premium increases by 25%; 3, when the vehicle has 3 responsible accidents in the previous year, the premium increases by 50% when the vehicle is renewed.
From the above-mentioned situation about whether the vehicle has insurance and the rules for the change of premiums when renewing the insurance, it is not difficult to see that the more the number of insurance accidents in the previous year, and the more serious the degree of accident liability, the greater the increase in the premium when the vehicle is renewed. Therefore, for the majority of car owners and friends, if there is a small scratch in the process of using the car, and after the damage to the window glass, it is not recommended that the owner of the insurance claim, after all, the maintenance cost of such small accidents is not high, once the insurance claim is used, it will lead to the rise of the next year's premium. This also tells the owner a truth, not every small accident needs to take insurance claims, small accidents would rather be solved at their own expense than use insurance claims!
Let's take a simple example, if the front bumper of the vehicle has a scratching accident, when the car paint scraping area is not large or the paint is below 1,000 yuan, try to repair it at your own expense and do not take the insurance claim, otherwise it will affect the next year's premium changes. However, it is worth noting that when a collision accident occurs between vehicles, if the responsibility for the accident is clear and the responsibility of the other party, when it is necessary to negotiate, it is necessary to leave relevant supporting materials. For example, the audio and video materials of oral consultation, as well as written materials, etc., to avoid the other party's non-recognition after the accident is handled, after all, the auto insurance claim is time-required, that is, the vehicle misses the time within 24 hours after the accident, even if it is reported to the insurance, it will not help.
Finally, have you also figured out what changes have been made to the car insurance in the first year of insurance and the second year after the comparison between insurance and insurance? Welcome to exchange and discuss together!