What is it worth calling the insurance industry's suggestion to settle accounts before making claims?

Recently, an insurance company in Hangzhou has revealed a car owner, with a total of 87 claims per year. Each time it is a unilateral minor accident, the insurance company will reject the claim in the next year. This incident caused a lot of heated discussion among car owners. In the case of minor accidents, report insurance claims, for fear of higher premiums in the coming year. If you do not report private insurance, you are afraid that you will suffer losses. So what is the amount of compensation for an accident to be paid to the insurance company?

"Our company has nearly 70% of claims, and the amount is less than yuan. Most car owners still choose to report the case ." A staff member of an insurance company's Yingkou Branch told reporters that only a small number of customers in the company directly gave up the claim after the claim was made. Most car owners wanted to seek compensation from the insurance company at http://www.kenanpipe.com/in case of minor accidents.

In the interview, many insurance companies have said that a unilateral accident, or a slight scratch on multiple vehicles, seems that the amount of claims is only several hundred yuan, but the loss, accounting, compensation, but let them busy for a while. Especially since the launch of quick claims by various insurance companies, three-day compensation, one-day compensation and other efficient compensation have increased their costs in various aspects. As a result, there was a later "premium floating mechanism"-that is, when the number of claims in the previous year is too large, the premium will rise in the next year, and even be rejected by insurance companies.

The reporter learned that from 2010, vehicle insurance premiums in Liaoning Province were linked to the number of claims. vehicles were not affected in the previous year. During the warranty period, private cars generally enjoy a discount. If one or two claims are made in the previous year, the insurance premiums will not be discounted and will be paid based on the basic premium. If three claims are made, the premium will increase by 10%. If four claims are made, the premium will increase by 20%, five or more times out of risk, with a premium increase of 30%. More than 6 times, the next year may be rejected by the insurance company.

In order to prevent premiums from rising in the next year, many owners who will live on their own are using a small abacus. How many accidents are worth claiming from the insurance company? In this regard, the reporter recently consulted people in the auto insurance industry to calculate a remittance.

Take a 0.2 million yuan car as an example. Four Basic Commercial insurances, such as car damage insurance and three-person insurance, are worth RMB 0.2 million, excluding free of charge. Each seat of Personnel Insurance is worth RMB 10 thousand yuan, and most of the premium is about RMB five hundred yuan. If the number of claims for the previous year exceeds three times, the next year's premium will be calculated based on a minimum rise of 10%, 4500 × 10% = 450 RMB. Assuming that the repair amount for this accident is less than 450 RMB, it is not as cost-effective as private.

However, the above formula only applies to commercial insurance, that is, compensation for Bicycle accidents. If two or more vehicles are rubbed together, the traffic risk will be involved, http://www.tdjx96.com /. The formula for calculating the floating rate of pay-as-you-go insurance is that if the number of claims in the previous year reaches three times, the next year's premium will increase by 10%. That is to say, it is even more cost-effective to pay more than 10% of the insurance premiums.

An industry insider told reporters that it is best to report insurance for accidents on both sides. If a bicycle accident occurs, the car owner can take out his or her own insurance policy to settle the bill, "What is the discount amount after this year's premium discount? There is a difference between the discount price and this year's price. Compare the difference with your own accident loss. If the loss is less than 500 yuan, therefore, insurance claims are definitely not cost-effective."