20 197 stipulates that vehicle insurance is only based on the number of accidents, regardless of whether the liability is reasonable.

Insurance Bian Xiao helps you answer, and more questions can be answered online.

20 17 new auto insurance regulations

New regulations on auto insurance: more than 5 accidents, and the premium will double in the coming year.

On, banks, insurance companies and other financial institutions in this city set up information desks to answer questions that citizens encountered in financial consumption. With the implementation of the new auto insurance regulations this year, many citizens are puzzled and become a hot topic of on-site consultation.

The claim is less than 1000 yuan, and the renewal premium is doubled.

"I just renewed this year's auto insurance. The cost of commercial insurance has doubled compared with last year, and the price is close to 4000 yuan. But my car paid less than 1000 last year, and it was scraped twice. Is this reasonable? " Yesterday, Mr. Zhang made a special trip to the event site to inquire about the problems encountered when purchasing auto insurance.

Regarding the public's questions, Chen Meilin, deputy director of the Property Insurance Department of the Municipal Insurance Industry Association, said that since the auto insurance policy has just been adjusted this year, the association has received many public consultations and complaints about the premium increase. "In general, the main reason is that the public is not very clear about the details of policy adjustment, thinking that there is a phenomenon of unreasonable charges by insurance companies." She said.

According to the new auto insurance regulations implemented this year, if the vehicle has made multiple claims in the last year, the premium will rise accordingly, and the premium of 1 time will not be discounted. The premiums for the second, third and fourth times rose by 25%, 50% and 75% respectively, and the premiums for the fifth and above times doubled. On the other hand, 1 year can enjoy a 15% discount on premiums, a 30% discount for two years and a 60% discount for three consecutive years without accidents.

"Some car owners reported the case immediately after some minor scratches, and the claim was several hundred yuan at a time. However, due to the excessive number of reports, the final premium has risen sharply, which is really not worth the candle. " Chen Meilin said.

You have to settle accounts carefully before choosing the type of auto insurance and reporting the case.

Regarding the impact of the implementation of the new auto insurance regulations, Chen Meilin said that the starting point of the new regulations is to standardize the driving habits of car owners and not to drive at will because of insurance. As long as you drive carefully, if you have a little scratch, you can save a lot of money by paying for repairs.

"Because in the past, even if there were two or three insurances a year, you could still enjoy certain discounts when renewing the insurance, but now as long as there is one insurance, the premium for the coming year will not be discounted." Chen Meilin said, "So, the next few hundred yuan of small accidents, it is recommended that the public not report the case, and it is necessary for major accidents to be settled by insurance companies."

The implementation of the new regulations also has a certain impact on the public's choice of commercial auto insurance products. People in the industry suggest that it is not necessary to buy some types of insurance with less coverage, such as scratch insurance and glass insurance. Even if these types of insurance are paid in full, they will only cost hundreds or thousands of dollars, but they will account for the number of accidents. "Citizens can spend tens of yuan to buy a' no third party' insurance," Chen Meilin said. "If the vehicle is damaged, the cause of the accident can't be found, and at the same time they suffer heavy losses, they can report the case and claim compensation."

20 17 What's the difference between the new auto insurance regulations?

① Calculate the premium according to the actual value of the vehicle, and the premium is different for different vehicles with the same price.

Before the fee reform, the car owner determined the insurance fee according to the purchase price of the new car when purchasing insurance. After the fee change, the vehicle will be insured for car damage insurance at the premium determined by the actual value. When a total loss occurs, the vehicle can get compensation for the actual loss. Before the comparison fee changes, consumers will have to pay lower fees.

After the fee change, vehicles with the same price are insured, and the premiums paid by different models will be different. Authoritative evaluation of vehicles with high safety factor and convenient maintenance (cheaper parts) will lead to lower insurance costs.

② The new regulations expand the scope of insurance liability.

The family members of the insured or the driver can make compensation according to the three liability insurance. Compared with the situation that family members were not compensated in the past, the scope of insurance liability has been widened after the fee reform. In addition, the liability of vehicle damage insurance has also increased the vehicle losses caused by natural disasters such as typhoon, tropical storm, blizzard, freezing, sandstorm and hail, and deleted a number of liability exemption agreements for all types of insurance.

③ The fewer accidents, the better driving habits and the lower insurance premium.

The price given by the insurance company after the fee reform depends not only on the accident rate of the owner in the previous year, but also on the driving behavior habits and driving risks of the owner. Simple calculation, there was no accident last year. Comprehensive calculation, the lowest auto insurance rate can enjoy a 40% discount on the benchmark rate. If there are no accidents for two consecutive years, the minimum premium can reach 50%. If there is no accident for three consecutive years (or more), the minimum premium can be around 40%.

(4) increase subrogation.

To put it simply, when I encounter an insurance accident for which the other party is fully responsible, if the other party is unable to pay because of insufficient insurance coverage, the injured party can ask its insurance company to pay first, and then the insurance company is responsible for recovering from the other party.

20 17 related issues of new auto insurance regulations

1, the car was damaged by natural disasters.

Compared with the previous clauses, the new auto insurance clearly stipulates that natural disasters such as hail, typhoon and blizzard, as well as losses caused by accidental collision of goods and people on board, can all be compensated.

2. The new car hasn't been licensed yet. Will it be compensated if there is an accident?

The new auto insurance excludes the new car from liability exemption and brings it into the scope of liability of car damage insurance. The insurance company can pay for the loss of the vehicle in this case within the scope of liability of the vehicle damage insurance. It should be noted that in the event of an accident, if the driving license and number plate of the insured motor vehicle are cancelled, or fail to be inspected according to regulations or fail to pass the inspection, the loss of the insured vehicle is exempted from the liability of car damage insurance, and the insurance company will not pay compensation.

Did your car accidentally hit your family?

The new auto insurance covers the personal injury and death of the insured's family members into the scope of third party liability insurance. At the same time, article 4 of the new clause stipulates that the person on board refers to the person who was in or on the insured motor vehicle at the time of the accident, including the person who got on and off the bus.

4. If the vehicle is accidentally damaged, will it be compensated if the responsible person cannot be found?

The car damage insurance clause in the new auto insurance stipulates that the loss of the insured motor vehicle shall be compensated by a third party. If a third party cannot be found, an absolute deductible of 30% shall be implemented. If the insured motor vehicle is accidentally damaged and the responsible person cannot be found, the insurer will deduct 30% from the compensation amount.

5. Will I lose my driver's license if I have an accident?

The new auto insurance does not include "lost driver's license" as a liability exemption. In case of vehicle loss during the loss of driver's license, the insurance company can pay compensation within the scope of vehicle damage insurance. It should be noted that when an insurance accident occurs, the driver's driver's license is detained, withheld, revoked or cancelled according to law.

The insurance company will not compensate for the loss of the insured vehicle.

6. Did the driver's license expire at the time of the accident?

The new auto insurance excludes the expired driver's license from liability exemption and includes it in the insurance liability of car damage insurance. The insurance company can pay for the loss of the vehicle in this case within the scope of liability of the vehicle damage insurance. It should be noted that in the event of an insurance accident, if the driver does not have a driver's license, or if the driver's license is detained, withheld, revoked or cancelled according to law, the loss of the insured vehicle will be exempted from the liability of vehicle damage insurance, and the insurance company will not compensate.