After the car accident, go insurance cost-effective or private cost - effective？
Generally speaking, it is still a human society, the concept of legal system everyone has, quality is good, private is for convenience, the lowest cost to solve the contradiction between the two sides of the conflict and problems。
Traffic accident is the same, that there is a problem, out of the insurance, the second year is expensive, private words always want to take out the money。
So Is not a private good or good insurance problem, but the accident we want to take out how much money, the corresponding which way is the most cost - effective？ I'll settle a bill with you。
How much extra premium will you pay next year for one risk？
The first focus is on insurance, that a risk insurance is not private, how much to pay more insurance premiums？
The difference between compulsory insurance and compulsory insurance is 285 yuan at most
First calculate the compulsory insurance, this idea is a simple calculation for your reference, not to say that a few hair a few minutes are right。
We only calculate the new car insurance cost is the highest and three years without insurance, and the insurance cost is the lowest。
The car to buy compulsory insurance is basically 950 yuan a year, not out of danger fell by 10 % a year, a minimum of 70 %, that is 665 yuan。
The new car is 95 yuan out of danger
If the second year didn't get preferential, according to 950, three years didn't go out, pay a compulsory insurance, then the second year will pay 285 yuan more like this。
In the first three years I have good, in the third year of the " alas," ah, the fourth year will be expensive 285 yuan。
That for the new owner friend who just bought a car soon, out of a risk, the next year is to pay 95 yuan more。
The calculation of commercial risks is complicated
The commercial insurance idea is the same, it is more complex, what independent underwriting coefficient, channel coefficient。
Different parts of payout ratio is not the same, by the way, Shenzhen students are happy, the lowest rate in the country, anyway, is very complicated。
So commercial insurance rates so after the reform, I'll take Zhejiang province, I'm familiar with a little bit for your reference, the premium is cheap。
Commercial risks differ by up to 1300 yuan
If a new car is bought without risk the next year, the minimum premium is 0. 5419, that is, the appearance of the may 4th fold, two years without risk is 0. 4463, that is, about forty-five percent。
For three consecutive years without risk, the minimum can reach 0. 3825, 38 % or so, had an accident, that year after the insurance premium will become 0. 6375, only on the basis of the original price of 64 percent。
According to the 150,000 level of the car, I haven't been out of danger for three years, a year's benchmark premium of 5000 yuan, can differ by 1300 yuan at most。
Minimum 38 fold out a 4 June fold, one is 5000 times 0. 64, one is 5000 times 0. 38, so a reduction to each other, 1300。
The new car is out of danger by 550 yuan
Just said there are a few years of continuous not out of danger, suddenly out of danger, the new owner friend business insurance premium is about 550 yuan。
The second year didn't risk is may 4th fold, risk into 4 June fold, may 4th fold 4 June fold a reduction, 5000 yuan, so again by the difference of 500 yuan like this。
The accumulative difference of insurance is up to 1585 yuan
So how much did it go up？ Strong commercial risks in general, I haven't had a good three years in front of the risk, so make the risk, insurance is equivalent to pay 1585 yuan more。
Strong commercial risks are included, just buy a car of the new owner, 595 yuan is probably like this。
Have you seen, because our car is more and more use the cheaper, insurance is also more and more cheap, not out of danger for a longer time, the private relative to its value and significance。
New car to buy you out of a risk 595 yuan, the second year so much expensive, 600 yuan, that if three years this is expensive 1500 yuan, the difference is more。
About 150,000 domestic cars more than how much money go insurance cost - effective？
Just now roughly we have a number today, but we also want to actually solve the problem, just give about 150000 family car, you this repair money, more than how much money go insurance is cost - effective？
First of all, the compulsory insurance and commercial insurance it is calculated separately out of danger, that is to say, the compulsory insurance of 2000 yuan, pay the following range, go compulsory insurance is very cost - effective。
Small cut small rub pay strong insurance cost - effective
The second year you don't how much money, small scratch small rub the loss of both sides are relatively small, can go to pay strong insurance claims quickly, compensation quickly。
Support dead in the second year also rose more than 200 yuan, this is sometimes cheaper than private, I think I can still reference。
But pay strong insurance just compensate to each other, don't compensate to yourself, your own car is broken to bear the repair costs, that is going to use commercial insurance。
Three years without insurance car more than 1500 yuan insurance cost - effective
Just said different areas of insurance rates are different, I'll give you a reference, generally haven't been out of danger in three years of family car, 1500 dollars more than repair money, that go insurance is more cost - effective。
You rub the paint, my car also don't want to repair, anyway, is the paint rub off a little, your car paint rub off, I'll give you with a compulsory insurance quote off, cheaper than private。
But " click" a bumper crack, 4 s store a phone call he said 3000 yuan a bumper, paint give you discount is included, this time or go insurance will be more cost - effective。
A new car is worth more than 600 yuan
So just buy a new car soon, is in the appearance of 600 yuan, is probably two surface paint, or 4 s shop better brand a surface paint, you can refer to it。
Just buy a new car go insurance relatively, the loss is relatively small, three years did not have a risk, have a good record is very cheap those friends, or private。
What I said earlier today is closer to the formula, probably a little bit around, you anyway, just these two numbers, 1500 and 600。
An accident in which someone was injured can't be private
The first year just bought a new car, less than 600 private, more than 600 accident insurance, if it is three consecutive years without risk, insurance premium is very cheap。
So you this repair to more than 1500 yuan, go insurance is cost - effective, you even 900 yuan I also recommend you private。
But there is a premise that no one is injured, because there is no bottom, responsibility and authority must be clear, the responsibility list must be left good on both sides, on this basis, we private problem is not too big。
Today this is for practical purposes, say how the fastest and lowest cost to solve the problem, three years 1500, the first year to buy 600, the two numbers to remember。
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