2020 revised price list of auto insurance expenses (2022 auto insurance quotation list)

2020 revised price list of auto insurance expenses

On September 3, 2020, the China Banking Regulatory Commission issued the Guiding Opinions on Implementing Comprehensive Auto Insurance Reform, and decided to implement comprehensive auto insurance reform from September 19, 2020.

On September 4, 2020, China Insurance Association officially issued the notice of five commercial auto insurance model clauses, including the Model Clauses for Commercial Motor Vehicle Insurance.

The liability limit of compulsory insurance is adjusted as follows:

Death and disability, before the reform: 1 1 10,000 yuan, after the reform:10.8 million yuan.

Medical expenses, before the reform: 6.5438+0 million yuan, after the reform: 6.5438+0.8 million yuan.

Property loss, before the reform: 2,000 yuan, after the reform: 2,000 yuan.

The total coverage of compulsory insurance increased from 6.5438+0.22 million yuan to 0.2 million yuan.

Extended data:

commercial insurance

1, vehicle damage insurance liability extension

Among them, engine wading, separate glass breakage insurance, motor vehicle theft and emergency rescue, excluding the odds, unable to find a third-party special agent, spontaneous combustion, designated repair shop, etc. It's all covered by car damage insurance. After the reform, the coverage of car damage insurance is larger and more important!

2, commercial insurance liability limit.

Before the reform, the liability limit of commercial three liability insurance was 50 thousand yuan-5 million yuan, and after the reform, it was raised to 6.5438+10 thousand yuan-6.5438+10 million yuan.

3. Delete some exemption agreements.

With the expansion of insurance liability, consumers can ask for more compensation.

Original clause: 0%-30% accident liability exemption rate, earthquake and its secondary disasters exemption.

After the reform: the exemption rate of accident liability was abolished, and controversial exemption clauses such as earthquakes and their secondary disasters were deleted.

4. Add additional risks

Additional risks are added, and the coverage is diversified: additional wheel loss insurance, additional medical insurance and external drug liability insurance.

New clauses of increasing or decreasing weight enrich insurance liability: special clauses of absolute deductible and exclusion of engine water damage are added.

2022 auto insurance quotation list

1.2022 Pacific auto insurance quotation?

1, the first phase of compulsory insurance 950 yuan/year, with less than 6 seats. Follow the floating rate mechanism, with a minimum reduction of 30%.

2. The third party liability insurance is determined according to the insured amount, and the insured amount can be 50,000, 65,438+10,000, 200,000 and 65,438+10,000, which is regarded as 600 yuan; The recommended coverage is at least 65438+ 10,000.

3. The car damage insurance is determined by the sum of the fixed premium and the vehicle type ratio, which is almost 1000 yuan.

4. The vehicle personnel liability insurance is determined according to the maximum compensation limit of each vehicle personnel, and each seat is about 1 1,000 yuan.

5. Theft rescue is determined according to the proportion of vehicles, around 300 yuan.

The above four commercial auto insurance projects add up to about 400 yuan. There are some additional risks, such as self-ignition insurance around 50 yuan; The risk of glass breakage alone is almost 100 yuan according to domestic glass; Scratch insurance is determined by the insured price, around 300 yuan; And these three are almost all deductible of 50 yuan. It's almost 4000 yuan to buy all insurance, but it's best to buy corresponding insurance according to your own needs.

Automobile insurance expense list

The schedule of auto insurance charges is a form to calculate the corresponding amount according to the types of vehicles insured by the insured, the nature of use and the types of insurance.

In the schedule of auto insurance charges, the compensation for victims of compulsory insurance is limited by items. If the insured motor vehicle takes full responsibility for road traffic accidents, the compensation limit is: death and disability 1 10000 yuan, medical expenses 10000 yuan, and property losses of 2000 yuan; If the insured motor vehicle is not responsible for the road traffic accident, the compensation limit is: death and disability 1. 1 1,000 yuan, medical expenses 1 1,000 yuan and property loss 1 1,000 yuan.

The composition of vehicle loss insurance premium is:

Vehicle loss insurance premium = basic insurance premium+insurance amount x rate

Third-party liability insurance will charge a fixed premium according to the type of vehicle and the nature of use.

Third party liability insurance

Commercial third party liability insurance refers to the amount of compensation that should be paid by the insured according to law because the insured allows the qualified driver to use the insured vehicle, which causes personal injury or direct property loss to the third party, and the insurer makes compensation according to the relevant provisions in the insurance contract.

Excluding deductible insurance

After insurance, the owner can not only enjoy the part of compensation that should be borne by the insurance company according to the insurance clauses; You can also enjoy the amount of compensation that the owner should bear because of his responsibility in the accident. According to the different objects of insurance, excluding deductible insurance can be divided into basic insurance and additional insurance, and the owner should know in detail when insuring.

Automobile damage insurance

Car damage insurance refers to an automobile commercial insurance in which the insured or its licensed driver has an insurance accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range.

Vehicle loss insurance is the most widely used insurance in auto insurance, which compensates for the losses caused by natural disasters and accidents. Regardless of minor damage or serious damage, insurance companies can pay the repair costs, which plays an important role in safeguarding the interests of car owners. All risks are recommended.

Generally speaking, what are the best ways to buy auto insurance?

Car insurance generally buys compulsory insurance, car damage insurance, excluding deductible insurance and third party liability insurance.

1, compulsory insurance: it is compulsory insurance stipulated by national laws. You can't go on the road without paying compulsory insurance. If found, points will be deducted and fines will be imposed.

2. Car damage insurance: if the car is damaged, such as scraping, the insurance company will compensate.

3. Excluding deductible insurance: it is an additional insurance and an additional deduction based on the third party liability insurance.

4. Third-party liability insurance: used to compensate the third party for personal injury or property loss caused by driving a vehicle.

Car damage insurance refers to an automobile commercial insurance in which the insured or his licensed driver has an insurance accident when using the insured vehicle, resulting in the damage of the insured vehicle, and the insurance company will compensate within a reasonable range.

Car damage insurance and three-way insurance are the basic types of vehicle insurance, which mainly compensate the loss of the insured vehicle and the loss caused by the insured vehicle to the third party in use! You probably think that even if the vehicle is damaged by natural disasters, the insurance company will pay for it! This is half right. Most of the losses caused by natural disasters have been compensated.

There are three ways to determine the amount of car damage insurance:

1, and the insured amount is determined according to the purchase price of the new car.

This kind of insurance is considered as full insurance by insurance companies, and the insured can get compensation for actual losses when he is out of danger.

2. Determine the insured amount according to the actual value at the time of insurance.

The actual value refers to the purchase price of a new car minus the depreciation. Although this insurance method can pay less premium, it is not completely insured in terms of insurance. Because in the case of partial loss, the insurance company can only compensate according to the proportion of actual value and new car price. Because the owner of the car is insured according to the actual value of the car, the insured amount of all auto parts is based on its depreciated price. In case new parts need to be replaced in the process of repairing the car, the insurance company can only refer to the depreciation value of the parts and compensate the owner for part of the repair cost.

How to buy the most cost-effective auto insurance in the second year?

How to buy auto insurance in the second year is the most cost-effective: you should buy strong insurance. It is recommended to buy car damage insurance and third party insurance, which are the main risks in commercial insurance and provide the most basic protection for cars and people. Insure other additional risks as appropriate. Generally, the most commonly bought additional risks are glass breakage, scratch and theft, excluding deductible insurance and vehicle liability insurance. New cars or cars with higher value are generally covered by these types of insurance. The legal basis of compulsory motor vehicle traffic accident liability insurance Article 2 The owner or manager of a motor vehicle driving on the road in People's Republic of China (PRC) shall apply for compulsory motor vehicle traffic accident liability insurance in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China. These Regulations shall apply to the insurance, compensation, supervision and management of compulsory motor vehicle traffic accident liability insurance.