Attention
In 2026, the greatest reform in 15 years came at risk
Joint communications were sent by the national directorate of financial supervision, the ministry of public security and the ministry of transport and communications: on 1 june, a new version of the code was officially implemented throughout the country。
We're going to have a ten-year flat price of $950
A good driver has a minimum of $475, a high of $1,900, a bad reward, a real gun。
But 90 percent of the drivers still don't understand:
- what about the premium
- what's the increase
- what's not
- does it raise the price without liability
Today's article, 4,000 words are broken, new rules are made clear, and it'll save you money, hide you from the pits and not be fooled
I. What's the risk? Why do you have to? What if you don't
First, from the very basic point of view, many people have been driving for several years and have not yet understood what to protect。
1. Full name and nature of engagement
Risk insurance = compulsory motor vehicle accident liability insurance。
Core keyword: compulsory, third-party, liability。
Blank: the nation will only pay for the people you hit, and not for yourself
2. Why must it be bought? Three red wires won't touch
- non-licensed, inconsistent: new car plates, old car annual check-ups must provide a strong insurance policy。
- direct arrest on the road + fine: no hard labour on the road, traffic police found the catch + double the premium ($950)。
- all the costs of the accident were incurred during the period of the release, all the compensation was paid for themselves and the insurance company did not pay any compensation。
3. Basic premiums (no change in 2026)
National unity, irrespective of region or insurance company:
- 5 home cars (sedans/suv): 950 yuan/year (over 90% of private cars)
- 7 vehicles (suv/mpv): $1,100/year
- motorcycle: 120 yuan/year
- new energy vehicles: 6 less than $900 per year (50 less than fuel vehicles)
Remember: the base premium is the same, the floating factor is the same
Ii, 2026 new rules for dealing with risk: implemented on 1 june, 3 major core changes affecting 300 million vehicles lord
On 30 march 2026, the joint officials of the three departments announced that the new deal would be implemented nationally without regional differences。
In conclusion, the price is higher
Change 1: large reform of premium fluctuations, minimum $475 and maximum $1,900
New formula: final premium = base premium x floating factor
Floating is based only on an accident of responsibility and has nothing to do with impunity, violations and commercial adventures。
No liability: the cheaper the better
- unaccountable accidents for one year in a row: 10% down – $855
- two consecutive years of no-account accident: 20 per cent down, $760
- unaccompanied accidents for three or more consecutive years: 30% below $665
- low-risk areas (inner mongolia, hainan, qinghai, tibet): 50% direct for three years
️ liability risk: immediately raise the price (bad driver penalty)
- one with responsibility (no death): restoration of the original price of $950 and zero concessions
- 2 times above liability: 20% up, $1140
- caught dead: 30% up, $1235
- serious violation supercharge (drinking/drinking/exceeding 50 +/scrambling): plus 15-30 per cent, up to $1,900
Change 2: increase in the premium! Total liability limit of 222,000 and no liability of 19. 9 million (plus not priced)
The premium is not rising, the guarantee is a direct upgrade, the real and silver owner。
Responsibility (when you are responsible): total limit of 222,000
- death and disability: $200,000 (180,000 + 20,000)
- medical expenses: $20,000 (old 18,000, +02,000)
- property losses: $2,000 (no change)
Irresponsible (if you are not liable): total limit of 19. 9 million
- death and disability: $18,000
- medical expenses: $1900
- loss of property: $100
Change 3: irresponsible without prejudice to premiums, unlinked from commercial risk insurance (fair promotion)
The biggest pain in the past: being followed by others (unaccountable), raising the premium the following year and taking the lead。
The new rules completely resolve:
- irresponsible incidents: not counting the number of risks and not affecting premiums
- commercial risk: nothing to do with cross-marginal fluctuations
- it's only a matter of responsibility: a real driver's behavior determines the premium
Iii. What is the payoff? Not for what? 90% of the owners are mistaken
A lot of people think it's a "all-in-all-in-all" deal
The third party will only be compensated for the risk, not for the vehicle, not for its own people and not for indirect losses。
1. Scope of payment (compensation only)
Death and disability (up to a limit of 200,000)
- funeral expenses, death compensation
- disability compensation, disability aids (wheel chairs, prosthetics)
- care, labour, transportation
- maintenance of dependants, moral damage relief
Medical expenses (within the limit of 20,000)
- medical, medical and hospital expenses
- in-patient feeding allowance, necessary nutrition
- follow-up care, plastic surgery
Loss of property (within 2000 threshold)
- maintenance of each other's vehicles
- loss of public facilities such as roadside fences, street lights, houses, etc
2. Absolute non-compensation (no pedals)
We lost our car
- the cost of repairing their own cars is not compensable and they must be insured。
Casualties in this vehicle (self-injured)
- drivers and passengers are injured and no compensation is paid for their personal liability insurance。
Indirect losses
- loss of parking of the other party's vehicle (internet, truck), devaluation loss, moral damage (loss of property) and failure to pay compensation。
Intentional acts, drunk driving, poison driving, robbery
- deliberate assault, drunk driving, poison driving, vehicle theft and theft, to be recovered upon payment of an advance, which is ultimately borne by the owner。
3. Rules for payment of compensation (excruciatingly important and not to be misconstrued)
- irrespective of the proportion of responsibility: if you are responsible (even 1 per cent), the full amount within the limit is not reduced by the proportion of responsibility。
- sub-limits, which cannot be used in combination: more than 20,000 medical treatments, more than 2,000 property, more than a portion of self-pumping, and less than full risk。
- irresponsible: you're not responsible. You're not responsible. You're not liable。
Four, 90 percent of the cars are in the top five risk zone
Zone of error 1: risk-taking can cost your own car and people (most common)
Truth: only third parties will be paid for the risk, and neither the car nor its personnel will be compensated。
• buy insurance for car repairs and accident/seat insurance for injuries。
Mistake 2: irresponsible incidents affect premiums (old pain points, new rules changed)
Truth: after the new rule 2026, accidents without liability do not affect the premium at all and are followed up and reported, without fear of price increases the following year。
Mistake 3: commercial exposure leads to higher prices
The truth: it's nothing at all! It's only a matter of responsibility, and commercial risk (whether responsible or not) does not affect exposure。
Wrong area 4: 222,000 strong risk insurance is sufficient to avoid triple risk insurance
Truth: big mistake! 222,000 is not enough
- first-line cities hit dead and paid 1. 5 to 2 million
- collapse (benz/bma/tesla) at 500,000 plus
• tighter risk plus triple risk (2-3 million) is the standard。
Miss 5: second-hand car moving in. Fine
The truth: the risk of exposure goes with the vehicle and the floating factor follows the vehicle。
{\chffffff}{\ch00ffff}{\ch00ffff} buy a used car, find out the insurance records。
V. After the new rules, different owner premiums are detailed (directly compared to their own money)
1. Five domestic cars (950 base)
- three years without liability (conventional areas): $665
- three years without liability (low-risk areas): $475
- one is responsible: $950
- two responsibilities: $1140
- death by death and dui: $1,900
2. 7 vehicles (1,100 base)
- three years without liability: $770
- one time, $1,100
3. New energy vehicles (up to 6 vehicles at $900 base)
Three years without liability: $630
- one with liability: $900
Vi. The new rules, the owner must do four things
1. Pre-renewal of insurance: own risk record, floating factor
- channels: hand-over 12123, insurance company app, off-line points
- focus: identification of the number of times the risk is incurred, calculation of the premium and avoidance of overpayment。
2. Unaccountable accidents are reported
- the new rules do not affect the payment of premiums, are issued with a certificate of liability and are normally settled without the need to advance。
3. Commercial insurance: 2-3 million plus vehicle loss
- 222,000 are far from sufficient, 2 million are at risk and 3 million are recommended for first-line cities。
- car loss: it's all about the wrecking of your own car。
4. Second-hand vehicles must identify risk records and not pick up “high-priced vehicles”
- you have to find out before buying。
Vii. Conclusion: trp, not price increases, is fair
In 2026, the new rules for strong risk insurance were not price increases, but rewards and penalties, fairness and guarantees of promotion。
Good drivers for safe driving and discipline: a minimum of $475, half the annual savings, with real benefits。
Bad drivers with frequent hit and drunk driving in violation of the law: up to $1,900, forced to drive safely with financial penalties。
Remember three words:
1. There is no need to buy it, no need to go on the road。
2. Insurance coverage of $222,000 is insufficient for the risk-taking of the other party and not for itself。
3. The new regulations are responsible for price increases, cost savings for good drivers and price increases for bad drivers。
On june 1st, it was officially transmitted to the driving friends, so that the old rules don't make any more money, and that you don't think you're in danger
