Is taking insurance still compounding? Did insurance cost go up second year how many? These two problems, it is a lot of cars advocate when coming up against an accident most of kink. . . Today, small make up teach everybody an unique skill: Report a case to the security authorities first, pay no attention to compensate!
Report a case to the security authorities first pay no attention to compensate, do not calculate be or get out of danger!
After commercial risk cost changes, the frequency of be or get out of danger and the insurance cost link up with second year, a lot of clerks can suggest big case goes compounding of insurance, small table.
Can be a lot of moment, the loss is bad to judge, insurance cost goes up to more or less also be clear about, how should this do?
1, foregone is over report a case to the security authorities, the program such as calm caustic
The loss is bad judgement or when how much deciding to insurance cost went up second year, can foregone is over report a case to the security authorities, the program such as calm caustic, also can avoid to maintain the ask a price of all over the sky that factory and a third party repair in the process at the same time.
2, when safe and periodic swift end, decide to whether manage again compensate
Go to report a case to the security authorities, after deciding the program such as caustic, do not apply for manage compensate to insurance company temporarily, when waiting for this safe and periodic swift end, amount of the case of be or get out of danger that considers annual again integratedly, loss, insurance cost rose second year extent, decide otherwise wants manage compensate again.
3, date of end a case which year, calculate which year of 1 second be or get out of danger
Manage compensate period of efficacy is normally inside two years after reporting a case to the security authorities, want to pay no attention to compensate not to calculate be or get out of danger only; Although law case is not cancelled,
When to manage compensate, which is date of end a case a year, calculate which year of 1 second be or get out of danger.
Frequency of be or get out of danger and did insurance cost go up second year have why to concern?
The domestic concern from frequency of be or get out of danger of car business risk and insurance cost:
Those who affect car danger price is main have 3 factors:
Without coefficient of reparations give special treatment (interval float is 0.6 to 2) , insurance company is own channel coefficient (interval float is 0.85 to 1.15) , own nucleus protects coefficient (interval float is 0.85 to 1.15)
If car advocate record 3 years without reparations continuously, according to formulary computation: 0.85 × of 0.6 × 0.85=0.4335, theoretic OK and adjacent 4 fold;
If be successive,do not have be or get out of danger two years, it is according to formulary lowermost discount 0.5058; If be,do not have be or get out of danger one year, it is according to formulary lowermost discount 0.6141.
Attention: Do not want and confuse confuse without coefficient of reparations give special treatment.
Join the concern of frequency of strong risk be or get out of danger and insurance cost:
Manage compensate expert suggests
Of course, the proposal of above just is aimed at average car, after all the insurance cost of every car is different, still want particular case concrete analysis.
