Insurance claims records affect premiums exceeding 5 times a year and may be refused protection.
http://news.jnnc.com/2012-12/20/cms504161article.shtml
source of Ji'nan Daily reporter
Ms. Wang, a citizen Wang this year, there have been a number of small car accidents, each time reported to the insurance company to claim. Today, to see the car insurance continued, she called the insurance company to consult the insurance premium, was told to raise hundreds of yuan, because "this year's record of 4 times".
it is understood that the compulsory insurance is the compulsory insurance implemented by the state law. It is the compulsory liability insurance for the victims (not including the personnel and the insured) of the insured vehicle (excluding the personnel and the insured) of the insured vehicle (not including the personnel and the insured). The compensation standard is the compensation standard. When there was responsibility, the maximum compensation for the loss of property of the three party was 2000 yuan, the maximum compensation for the three party medical expenses was 10000 yuan, and the maximum compensation for the three party death and disability was 110000 yuan. The maximum compensation for the three party property losses was 100 yuan, the highest compensation for the three party medical expenses was 1000 yuan, and the maximum compensation for the death and disability of the three party was $11000. Compulsory insurance is a national unified price. The average premium for private cars in the first 6 years is 950 yuan.
it is understood that the general frequent danger will result in a premium premium of second years. According to the staff of an insurance company in Ji'nan, according to the relevant regulations of the rate of car insurance, the vehicle has not been out of danger in the last year. It can enjoy a 10 percent off discount for two years, which can enjoy 20 percent off preferential, and can enjoy a maximum of 30 percent off. At present, the insurance companies in our province have realized data sharing. If one reparations occur in the last year, the premium is basically unchanged, but if the number of risks increases, the premium may face a rise, and more than 5 times the general risk may be refused.
however, compulsory insurance is often unable to meet the daily protection. Therefore, the owner should also choose commercial insurance as a supplement. General commercial risks include main risks and additional risks, and the main risks include: car damage, third party liability insurance, full car theft, and additional insurance for personnel liability insurance, including glass, spontaneous combustion and no claim insurance. But it is worth noting that the owner can only cover additional risks if only the main risk is insured.
experts in the insurance industry of our city remind the owners to renew their insurance in time and avoid "empty". Therefore, the owner should check the expiration date of vehicle insurance at any time, and renew the insurance procedures 5 days to 8 days in advance.