Does it matter whether the car is insured or not?

Hello! It doesn't matter whether the car is insured or not. If you have notified the insurance company now, you can return it now without affecting your next trip.

First, the relationship between the number of accidents and compulsory insurance premiums.

Compulsory compulsory insurance and commercial insurance are calculated separately. If the compulsory insurance is out of danger, it will not affect the discount of commercial insurance in the following year. The maximum compensation for property losses caused by compulsory insurance to a third party is 2000 yuan. When the property loss of a third party is less than 2000 yuan, the number of claims not involving commercial insurance shall be calculated according to the benchmark premium 950 yuan.

If there is no traffic accident for one year, the premium for compulsory traffic insurance will be reduced by 10%, if there is no traffic accident for two years, it will be reduced by 20%, and if there is no traffic accident for three years or more, it will be reduced by 30%.

If there was a traffic accident last year, the premium of compulsory insurance will remain unchanged; In case of two or more traffic accidents within one year, the premium for compulsory insurance will increase by10%; If there is a traffic accident once a year, the premium of compulsory insurance will increase by 30%.

Second, the relationship between the number of accidents and commercial insurance premiums.

In terms of commercial insurance, the number of automobile accidents and insurance benefits are closely related to insurance companies, and different insurance companies have different regulations. The change of commercial insurance rate is mainly related to quantity.

One is the number of accidents and the other is the total amount of claims. If there are too many accidents in one year, the premium will definitely increase by 10% to about 20%.

Third, first distinguish who is responsible.

Whether it is necessary to claim compensation has different effects on premiums, and different accident responsibilities have different effects on claims. If you don't have to take responsibility, it won't affect the premium, so please don't take responsibility when dividing the responsibility, or you will suffer from buying insurance next year.

Fourthly, the relationship between commercial insurance risk and premium.

1. Regarding compulsory insurance, if there is no accident in the first year, you can get a 10% discount in the second year. But once in the first year, there will be no discount in the second year. More than two times (including two times), up 10%. If there is a road traffic accident in the last year, the compulsory insurance price will rise by 30% when the insurance is renewed in the second year.

2. If you had a policy last year and the insurance company paid more than 80% of the commercial insurance expenses of the previous year, or if you had two insurances last year, the total compensation expenses paid by the insurance company were more than 80% of the commercial insurance expenses of the previous year, then when you buy insurance again, you can get a maximum discount of 20%, which will be accumulated in turn.

3. For commercial insurance, many insurance companies stipulate that the premium of a car mainly depends on the rate coefficient of auto insurance, and the coefficient depends entirely on the insurance situation and compensation amount of the car in a policy year. Therefore, it is most important to maintain safe driving in the last policy year in order to obtain more favorable commercial insurance benefits in the second year.

Five, the purchase principle of motor vehicle insurance

1, give priority to the purchase of full third party liability insurance.

The third party is the most important type of automobile insurance. After all, you don't have to drive if the car is destroyed, but the compensation of others can't be exempted. When buying auto insurance, we should put the ability to compensate others for losses in the first place. .

2. The insured amount of the three risks should refer to the local compensation standard.

The compensation standards are different across the country. According to the maximum compensation standard of auto insurance, if 1 person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Beijing may be 800,000 yuan.

3. After buying enough personal insurance in the car, buy car damage insurance.

You are the driver. It is suggested that if there is no other accident insurance and medical insurance, give yourself a driver's insurance of 6.5438 million yuan as medical expenses and be responsible for the family.