Driving down the road, usually meets most is like rub a small accident. At this time, go insurance or pay out of their own pockets, many owners of tangled the, submitted to the insurance, worried about rising premiums in the coming year, does not offer insurance, again afraid at the expense of their own.
What a large amount of the accident is worth the insurance, we are together to calculate.
400 yuan less, more cost-effective than their own
A few days ago, Ms. Kou Zhengzhou people drive, accidentally hit the back wall, the lamp below the pinch rotten, to the 4S shop, even working with replacement parts, probably to 360 yuan.
Ms. kou to buy 6000 yuan against all risks, because technology is not refined, this year have been claims 2 times, if claims for the third time, next year premium will rise 7% is also duotao 420 yuan. Think over again, she still decided to pay, not to go insurance.
"In fact similar to such a small accident small maintenance, I personally feel that they pay a little better." Ping An auto insurance manager said that in the actual work, he found that 300 yuan following the case of small accident claims, and now less. 500 yuan to start increasing. A claim to go various procedures, and can affect the coming year premium, amount is too small, the owner may think it is not worthwhile.
Once a small accident insurance, and many times, the insurance company's premium must be floating.
There is a slight difference in the premium floating rules. In most companies, the last year the number reached 3 times (some are 2 or 4 times), the next year will go up around 7% (some are 10%); last year the number of claims more than 4 times, the next year, the premiums go up about 15% (some not this); claims the number of times up to 5 times and more than the next year may face the insurance company refused to protect".
Cross strong insurance claims two times, the premium will float
Zhengzhou Yao people last year did not have an accident, this year to pay strong risk in the benchmark price of 950 yuan on the basis of 10 percent off, 855 yuan. This year, due to careless collision happened 1 times in others, is the responsibility of traffic accident. The insurance commissioner told Mr. Yao said, if happen again rear end his car, full responsibility for the accident and insurance, the next year to pay the insurance premium will rise to $1045.
And commercial insurance is different, the insurance floating rate has a unified standard: last year there is no danger, the second annual premium can be a 10% discount; the second year continue to no accident, the third year premium downward float 20%; if for three consecutive years is not a dangerous condition up 30 percent to float downward, namely the hit 7 fold. Last year a traffic accident responsibility reached 2, annual premiums up 10%; according to the number of dangerous condition, most can go up to 30%.
Therefore, if similar incidents from happening again this year, Mr. Yao best to compare the following year to pay high insurance rose, in part, and other private ask for repair costs, and then make a decision whether to take the insurance.
Report number is not equivalent to the number of claims
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