The calculation of the premium for the second year of PICC insurance will be affected by a number of factors, including the nature of the insurance and the regulations of the insurance company. Here are some possible calculations and related examples:
Compulsory traffic insurance: If there was a traffic accident in the previous year, but the person did not die, then the premium remains unchanged. However, if there are two or more at-liability traffic accidents in the previous year, or if there is a fatal accident at fault, the premium will be **10%. In the event of a serious offense such as drunk driving, the premium will be **30%.
Commercial auto insurance: After the rate reform of commercial auto insurance, if the car owner purchases PICC car insurance, the vehicle will be insured once during the annual insurance period, and the premium for the second year will not be discounted and will not be **.
Please note that the above calculation may vary depending on the specific regulations of the insurance company. For specific premium calculations, it is recommended to consult PICC or relevant insurance professionals directly.
Here's an example:
Suppose Mr. Li purchased a PICC car insurance and went out once during the insurance period, but did not cause the death of the ** employee. According to PICC's regulations, his second year's premium will remain unchanged.
However, if Mr. Lee has two at-liability traffic accidents or a fatal accident during the insurance period, his second year premium will be **10%. Similarly, if he commits a serious offense such as drunk driving, his premium will be **30%.
Therefore, it is very important for car owners to understand the specific regulations and requirements of the insurance company. When purchasing car insurance, car owners should choose the right insurance product according to their actual situation and needs, and strictly abide by traffic rules and safe driving requirements to reduce the insurance rate and premium expenditure.