I heard that the cost of compulsory traffic insurance has been adjusted and is no longer fixed at 950 yuan. The adjustment sparked mixed reactions, with owners who weren't out of danger feeling happy and those who were out of danger worried. What's going on here? Let's take a look.
Compulsory traffic insurance is an indispensable part of car insurance, and vehicles that have not purchased compulsory traffic insurance are not allowed to go on the road. In the past, the cost of compulsory liability insurance has been a fixed figure - 950 yuan per year. Although this fixed fee model is simple and straightforward, it lacks a certain amount of fairness and incentives. Because regardless of the driving behavior of the car owner, whether they have been involved in an accident or not, the cost of compulsory traffic insurance is the same. To a certain extent, this weakens the enthusiasm of car owners to obey traffic rules and drive safely.
Now, the adjustment of compulsory traffic insurance costs has broken this fixed model and introduced a billing method linked to the number of vehicle accidents. This adjustment means that if the car owner does not have any traffic accidents in one year, their compulsory traffic insurance costs will be reduced by 10% in the following year, that is, from 950 yuan to 855 yuan. If the accident-free record continues for the following year, the cost will be reduced by another 10%, and so on. This incentive mechanism will undoubtedly motivate car owners to pay more attention to driving safety and reduce the motivation for accidents.
However, for those car owners who have been involved in accidents, the new policy has brought a lot of pressure. Under the new rules, if the vehicle is involved in an accident, the premium will increase by 10% for the following year. If the accident results in a fatality, or if it is due to an accident caused by drunk driving, then the premium will increase by 30% for the second year. This punitive billing method will undoubtedly make car owners who have made mistakes pay a higher price.
This new way of charging is more humane and fairer. It encourages car owners to drive safely and reduces the likelihood of accidents. What do you think about this change? Welcome to leave a message and we'll see you next time.