The rivers and lakes have such a saying: “If people float in the rivers and lakes, how can there be no scythe?†The same reason, the car running on the road, where there is no trick. But what if the accident is really small? Private? Or take insurance? Some car owners also know that if the car is out of bounds, it will inevitably cause premiums to increase in the coming year. Then the question arises. How much does the premium rise? Is the difference more expensive than private? Today, we have come to research and study small accidents that are private or cost-effective.
First of all, it is necessary to clarify the division of responsibilities, and the treatment in the case of accountability and non-accountability is different. Here we look at how to deal with non-responsibility cases and how to deal with them.
Blameless situation
If you do not have responsibility, then it will not affect the premium. In the case of non-compliance in the provisions of insurance clauses, compensation will also be made. Now it has been simplified as a “no-claims compensation†treatment mechanism, and no claims for compensation are not counted as insurance risks. Compensation for the other party’s losses only, and no more than 2,000 yuan will not affect commercial insurance.
Responsibility
In case of responsibility, according to the Provisional Measures for the Forced Insurance Premium Rate of Motor Vehicle Traffic Accident Liability Regulations, for ordinary families under 6 seats, the premium paid for the new compulsory motor vehicle insurance is 950 yuan, and 95 yuan will rise once the risk is surpassed. Unless the accident is small enough to wipe off the other party's lacquer, repairs can be repaired. Otherwise, insurance claims are obviously more cost-effective than “privateâ€.
Premium increase
Every time you go out of danger after the second time of the year, you will have a premium of more than 1,000 yuan in the coming year! Therefore, if it is a small loss accident, from the point of view of maximizing the economic benefits of car owners, it is recommended not to use commercial insurance, especially if it has been out of insurance many times in the year, then the less accident insurance, the less profitable. The use of commercial insurance for hundreds of small accidents is not worth the effort, it is also time consuming.
When the loss is not high or bad, you can report with the insurance company first, take a picture to the surveyor or the repair shop's friend to assess the damage, avoid the other party asking for a price, and calculate the damage price is the private expense. The subprime premium formula uses an equation to make an estimate. Finally, it compares the estimated premium increase with the negotiated private expense. If it is found to be more cost-effective, then the re-sale will be counted as not taking the risk.
The story of a trivial matter is not small, and there are quite a few things. It is necessary to clarify the division of responsibilities and then compare whether it is private or whether it is safe to take the insurance. Of course, if you are worried about being slaughtered, you can also take the insurance estimate loss and resell it.
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