For many new car owners, how to deal with a vehicle accident becomes a headache. Especially in the first year of a new car, many people don't know much about the insurance claims process and policies. So, under what circumstances should you choose to apply for insurance? This article will give you a detailed analysis.
First of all, we need to understand what factors affect the ** of commercial insurance. This mainly includes the coefficient of preferential treatment without compensation, the coefficient of independent underwriting, the coefficient of independent channels and the coefficient of traffic violations. Among them, the no-compensation preferential treatment coefficient is closely related to the number of personal accidents. To put it simply, if your car has not been insured for three years, the premium will decrease year by year, and vice versa.
Taking a vehicle worth one or two hundred thousand yuan as an example, the ** of commercial insurance is about 2,000 to 3,000 yuan. For new car owners, the first year is often not familiar enough with the use of the vehicle, and the probability of accidents is relatively high. Then, if the accident loss in the first year of the new car exceeds 600 yuan, you can consider applying for insurance. In this way, you can reduce your own financial losses and will not have too much impact on your premiums.
However, if your vehicle has been in use for a while and has a good driving record, the cost of an accident will vary. According to the insurance company's regulations, if the vehicle is more than four years old and has not been insured, then the premium will return to the 7% discount gear. This means that if your vehicle is insured during this period, the premium will be corresponding**, and the cost of the insurance will return to about 600 yuan. Therefore, in this case, if the accident loss does not reach $600, you may choose not to report the insurance in order to maintain a low premium.
Of course, in addition to considering the premium factor, the cost of accident repair is also one of the important factors in deciding whether to apply for insurance. For common accident repair costs, such as painting, headlight refurbishment, etc., **varies by vehicle type and repair location. Generally speaking, hundreds of thousands of cars are about 200 yuan if they are sprayed on the outside, and if you go to a 4S store to spray, it will be more expensive, about 700 to 800 yuan. If an accident results in more expensive repairs such as extensive painting or headlight replacement, it is a wise idea to take out insurance.
In addition, for minor accidents such as rear-end collisions at traffic lights, many people would choose to use compulsory traffic insurance to pay for them in the past. But now the situation is different, because the compulsory traffic insurance cannot repair your own car, and the previous discount is gone after using it once. Therefore, when considering whether to use compulsory liability insurance, you need to weigh it according to the preferential coefficient you currently enjoy.
Whether or not to report insurance in the event of an accident depends on the situation. If the accident loss in the first year of the new car exceeds 600 yuan, it is basically recommended to apply for insurance. If the vehicle has been in use for a long time and has maintained a good driving record, then you can decide whether to insure or not based on accident losses and changes in premiums. Welcome to leave a message** to jointly protect our driving safety. Don't forget to follow and collect this article to pass on the knowledge power of safe driving together!