As a compulsory insurance stipulated in China's Road Traffic Safety Law, compulsory traffic insurance is very important for the majority of car owners. However, many car owners will be concerned about one question: will the premium of compulsory traffic insurance rise?This article will answer this question in detail for you.
The premium for compulsory liability insurance is calculated as follows:
Final premium of compulsory liability insurance = basic premium of compulsory liability insurance (1 + floating rate linked to road traffic accidents). Among them, the basic insurance premium of compulsory traffic insurance remains unchanged (calculated according to 950 yuan for cars), and the floating rate related to road traffic accidents is stipulated to be 10% discount for non-insurance in the previous year, 20% for non-insurance in the second year, and 30% for the third year. On the contrary, if the accident is increased to 0% once, the increase of 10% for the two accidents in the previous year is analogous. (The above information is for reference only, it is recommended to consult the insurance company for more accurate information.) ）
So, will the premium of compulsory liability insurance go up?Generally speaking, if the car owner has not been involved in a traffic accident within one year, then the compulsory traffic insurance premium for the following year can enjoy certain discounts. However, if the owner of the vehicle is involved in a traffic accident within one year, especially if a person is involved**, then the premium will be accordingly**.
Specifically, if the owner of the car has a traffic accident within a year and there is no driver, then the premium will not be. However, if there are two or more traffic accidents, or if a person is caused, then the premium will be accordingly**.
In addition, if the owner's vehicle is stolen or robbed, or damaged by other reasons, then it is also necessary to determine whether a premium is required on a case-by-case basis.
Therefore, it is very important for the majority of car owners to maintain good driving behavior and vehicle usage. In this way, you can not only ensure your own safety and property security, but also enjoy more preferential compulsory insurance premiums.
In short,Whether the premium of compulsory liability insurance will increase depends on the driving behavior of the car owner and the use of the vehicle. Therefore, the majority of car owners should pay attention to maintaining good driving Xi and vehicle maintenance to protect their own interests.