The first reaction of many of the drivers who heard the insurance adjustment was that they were afraid to pay more. The change was completely unscathed, so that people could drive in peace, the pits were so small, they were so full of shit。
The base price of a small family car has not been revised at all, with five cars benchmarked at $950 and six to nine cars at $1,100, and the price is maintained as it is, while the guarantee of payment has increased considerably. The old standard, with a total overall liability ceiling of 122,000, was adjusted to 200,000. Of these, death and disability compensation amounts to $180,000, medical reimbursement amounts to $18,000 and vehicle property losses remain at $2,000. In the event that an accident hits another person, the amount that can be paid is higher, the pressure to pay extra is much smaller。
Many of the previous drivers had suffered from the loss of their lives: they had to wait for the right car, they had to travel properly, they had to follow the rear car, they had to swoop on the side, they had no responsibility, they had to go through the pay-as-you-go process, they had to cancel all the premiums directly for the coming year, and they had to pay off other people for their fault. The new rules fill this gap by holding itself responsible for an accident, without recording the risk, without interfering with the discount on the subsequent premium, and without having to bear the economic cost of another's mistakes。
Premiums are cumulatively reduced over the years, national accounting rules are harmonized and examples of the five private cars with the highest holdings are:
No accidents were reported throughout the year, 90 per cent of the following year and $855 in contributions
Two consecutive years of zero-accountable accidents, 80% of $760
Safe travel for three or more consecutive years at a rate of $7,665 in ordinary areas
The four special preferential areas of nemont, hainan, qinghai and tibet were more highly discounted, with a direct discount of $475 at 950, or more than 400 low prices among the population。
Rates increase when driving with carelessness and frequent accidents. In the case of one fatal accident, the premium was restored at a cost of $950; in the case of two and 20 per cent accidents, a contribution of $1140 was required; in the case of three and more accidents, a contribution of $1425 was increased by 50 per cent; in the event of the death of a person as a result of the accident, the premium was increased by 30 per cent; and in the extreme case of repeated major accidents, the premium was doubled directly to $1900. To put it simply, the cost of a steady drive is higher than the cost of frequent accidents。
Two key points that can easily be ignored remind you:
1. Transfer of vehicles, more than three months of insurance coverage, full clearing of the accident-free benefits accumulated over the years, and recalculation of premiums at the base rate of 950
2. Traffic violations such as red light breaking alone, speeding, pressure lines do not raise the price of risk alone, and only traffic accidents that give rise to liability awards change the premium。
By contrast, this adjustment clearly leans towards long-term, careful driving owners. The greater the level of security, the more basic pricing lines remain intact, and the longer it lasts, the less money it pays each year. The owners of cars who drive with care and little touch are saving money; if they do so often, the annual cost of raising a car increases。
How much do you expect next year to be on your own
