The primary consideration for buying a new car is the issue of insurance. First, there is no insurance that does not allow you to go on the road. Secondly, the annual premium is also part of the cost of keeping a car. Therefore, the owner is very concerned about this aspect of the car. In 2017, the new regulations for car insurance were issued. Then what is the difference between the new auto insurance policy and the previous one? Let's take a look at it together. The premium rate is floating, and someone is happy that someone According to the new automobile insurance regulations implemented this year, if the vehicle has multiple claims in the previous year, it will increase the corresponding floating rate according to the number of times. There will be no discount for the first premium, and 25%, 30%, and 4 times for the premium will rise by 25% and 50% respectively. 75%, insurance premiums 5 times or more will double. Conversely, if you don’t miss out in 1 year, you can enjoy a premium of 15% for premiums, a 30% discount for 2 years, and a 40% discount for 3 years in a row. In other words, if your car is out of danger, so long as you call 2 insurers, if the new car insurance is 5,000 yuan/year (all risks) will become 6250 yuan in the second year, if you call 3 insurers directly 7500 yuan, 4 times 8750 yuan, 5 times 10,000 yuan. Because in the past, even if you had two or three times a year, you could still enjoy a certain discount when you renew your insurance. However, once you are out of danger once, you will not be given a discount any more in the coming year. Car Wei suggested that: In the next few hundred yuan, the owner of the vehicle will not report the danger, but it is necessary to allow the insurance company to claim damages in the event of a major accident. With the same price of different cars, premiums are not the same After the implementation of the new automobile insurance regulations, the calculation formula for premiums was adjusted from [(car prices × rate + base premiums) × adjustment factor] to [benchmark pure risk premiums / (1-additional expense rate) × rate adjustment factor]. In layman's terms, it is the purchase price of the car that originally determined the premium, which has nothing to do with the brand of the car; now if the brand has the same price, the premium will be different. For example, if you spend 200,000 yuan to buy a Mercedes-Benz A-class and another 200,000 to buy a Volkswagen's premium is not the same, Mercedes-Benz's premium is much higher. why? Because Mercedes-Benz cars than the public's "zero ratio" is higher. "Zero" refers to the ratio of accessories to the overall sales price. The new clause design will make it cheaper for premium cars with ordinary brands. For example, Mercedes Benz E-Class or above are mostly imported cars. The accessories are generally very expensive. Its zero-to-zero ratio is at least 12:1, which means that the higher the zero-to-total ratio of the motor vehicle, the higher the auto insurance rate may be. The higher the final auto insurance price will be. The "high security and low compensation" is over The so-called “high security and low compensation†is when the insurance company promises to determine the insured amount according to the purchase price of the new vehicle. However, when the actual payment is made, it must be paid in accordance with the depreciation price of the vehicle. The new car insurance clearly stipulates that the depreciated vehicle price insurance, that is to say the new car purchase price of 200,000, after 5 years depreciation 100,000, then 10 million to pay premiums. If you did not pay before, you have to lose it now. After the fee reform, the family members of the insured or the driver can pay the insurance under the three-responsibility insurance, and the scope of the insurance liability becomes wider. In addition, vehicle damage caused by natural disasters such as typhoon, tropical storm, blizzard, ice blizzard, sandstorm, hail, etc., also increases to the vehicle damage insurance liability. At the same time, due to water intake, it causes engine damage. Water loss insurance can also be compensated. Increase "subrogation claims" right Mainly for the party responsible for the full responsibility, because the amount of insurance coverage is not enough or unable to compensate, the injured party can request their own insurance company to pay in advance, and then the insurance company is responsible for recovering from each other. Without tangling the related matters of compensation, the current situation of insurance compensation that is often not in place is resolved. This point also highlights the requirements for the promotion of relevant insurance quotas, such as the three-crime insurance. Strider Balance Bike,Best Balance Bike,Wishbone Bike,Wooden Balance Bike ANDER LEISURE PRODUCTS CO.,LTD , http://www.anderbike.com
Auto insurance has a new rule, 5 times insurance premium doubled next year!