When we buy a car, we have to buy insurance. We can only get on the road if we have insurance. So when some small scratches happen, many people will think, since I bought insurance, why not use it? Yes, I think so, anyway. I don’t need to pay for the insurance if I don’t need it. If I don’t use it, I have to pay it every year, so if there is an accident, I will report the insurance.
However, no matter what kind of accident you have to report for insurance, although you did not spend money, but you really save trouble and money? Now let me tell you the truth.
Take the experience of a friend of mine as an example. Once, he was rear-end collision with a car while turning around. At that time, his car's rear bumper was squashed, but it was not broken, and the inner bracket was damaged. The rear grille broke and the hood deformed. Then both parties decided to take the insurance and call the insurance. The insurance companies of both parties required the traffic police's judgment to settle the claims. After arriving at the traffic police team, they were sentenced to 50% liability and 50% of the car behind. And because he did not turn on the turn signal at the time, 1 point was deducted and a fine of 50 was deducted. The following car was fined 100 for failing to maintain a safe distance.
After getting the judgment, th
When we buy a car, we have to buy insurance. We can only get on the road if we have insurance. So when some small scratches happen, many people will think, since I bought insurance, why not use it? Yes, I think so, anyway. I don’t need to pay for the insurance if I don’t need it. If I don’t use it, I have to pay it every year, so if there is an accident, I will report the insurance.
However, no matter what kind of accident you have to report for insurance, although you did not spend money, but you really save trouble and money? Now let me tell you the truth.
Take the experience of a friend of mine as an example. Once, he was rear-end collision with a car while turning around. At that time, his car's rear bumper was squashed, but it was not broken, and the inner bracket was damaged. The rear grille broke and the hood deformed. Then both parties decided to take the insurance and call the insurance. The insurance companies of both parties required the traffic police's judgment to settle the claims. After arriving at the traffic police team, they were sentenced to 50% liability and 50% of the car behind. And because he did not turn on the turn signal at the time, 1 point was deducted and a fine of 50 was deducted. The following car was fined 100 for failing to maintain a safe distance.
After getting the judgment, the insurance company asked him to go to the 4S shop to determine the damage, and the damage was 1200 yuan for his car and 800 yuan for the rear car. Since it did not exceed 2,000, he went through the collision self-compensation process, that is, his own insurance repairs his own car. . He had applied for this kind of small insurance three or four times a year, and when he paid the insurance the next year, he found that the insurance cost had risen, and when the car was about to be sold, the buyer checked the insurance record and found that there were many insurances. I feel that the car is in bad condition, and the price given is about 20,000 lower than the market price.
After reading his experience, I found many of the problems.
1. The process is troublesome
After you have a small cockroach, if you need to take insurance, the insurance company will require you to have a liability confirmation issued by the traffic police so that you can settle the claim, but when the confirmation is issued, if there is any violation on the spot, points will be deducted And fines, and even detain your driver’s license and driving license on the spot. Quite troublesome. And the maintenance fee needs to be paid in advance by you, and some insurance companies need you to get the invoice to them in order to guarantee the guarantee. The process of dealing with a small accident is very cumbersome.
2. Increase in premiums in the second year
At present, the insurance cost for the next year of compulsory compulsory insurance is determined by the number of insurances in the previous year. The floating rate of compulsory compulsory insurance has a uniform standard: there is no insurance in the previous year, and the premium for the second year can be reduced by 10%; there will be no accidents in the second year, and the third year The premium will fall by 20%; if there is no risk for three consecutive years, it can fall by up to 30%, which is a 30% discount. There were 2 responsible traffic accidents in the previous year, and the premium for the following year will rise by 10%; depending on the number of accidents, it can rise by up to 30%. If you are out of the insurance more than 5 times, you may be rejected by the insurance company in the following year. Commercial insurance is similar to compulsory traffic insurance, but the price changes are different for each insurance company.
3. Depreciation of used cars
Our country’s insurance system is networked. Every time a vehicle is in danger, there is a lifetime record. So when you buy a car to judge the condition of the car, you must first check the vehicle’s record. The condition of the car is definitely not very good, so it will definitely depreciate, it will be much lower than the market price and it will be difficult to sell.
So how is it appropriate to take a risk?
Judging according to vehicle damage and accident liability, minor scratches that are not serious, such as paint peeling, bumper scratches, etc., can be negotiated for responsibilities. First ask someone familiar with the approximate maintenance cost before deciding, and pay the annual cumulative amount of compulsory insurance. It is 2000 per year. If the loss does not reach 2000, I suggest that you can repair it yourself. First, you can reduce the procedures, second, to avoid insurance appreciation, and third, avoid records that affect the value of the entire vehicle.
If it exceeds 2000 and the amount is relatively large, commercial insurance must be taken. At this time, it is recommended that the car owner can take insurance to settle claims, so as to minimize losses.
