"Now a lot of new drivers, some small Ke Xiao Peng inevitable. But the insurance company will have a floating rate and the number of accidents linked insurance, so in order not to increase next year insurance cost, a small accident is our own money to treatment." One owner said say the majority of people. claims more premium higher according to this understanding, in accordance with the "motor vehicle traffic accident liability compulsory insurance rate floating Interim Measures", the owner if the last year, two year, three year and above years without the occurrence of road traffic accident responsibility, cross strong insurance rate downward float of 10%, 20% and 30% respectively.

But if the last year occurred two times and two times above the road traffic accident responsibility, commercial insurance rates go up 10%; floating rate and the number of accidents, the author visited several insurance companies. While most insurance company said, for the record in the previous year unreasonable circumstances, commercial insurance annual premium can enjoy 30% discount.

And once, two times or two times above claims records, the premium will rise from 5% to 10%, respectively, 10% and 20%, more than 5 times, the insurance company will refuse to guarantee. A small accident "private" more cost-effective many owners think that the floating rate and the number of accidents linked insurance may seem unfair, for example that some owners last year out of 5 times, but every time is 200 yuan of small claims, insurance premium will rise 1 times;

Some owners last year only a big accident, claim amount 10000 yuan, but still can enjoy discounts, this approach seems unfair. Industry experts explained, "caution, only the most representative of the owners of the times, is only pay attention to the times, do not pay attention to claim amount, the possibility of moral hazard can be reduced, because no one would deliberately spread loss."

The author of the "private" the feasibility of small accidents visited the insurance company insiders, they think, the owner if it is out of control of accident and reduce the trouble psychology, choose the "private" small accident also have not cannot, but if encounter more complex, the claim amount is relatively large or a subsequent compensation risk accident, should be timely to the insurance company, according to the normal of the claims process solution.

Appropriate choice of "deductible" but for the novice, small touch small brush always can hardly be avoided, if oneself will pay for minor accidents? Industry insiders said, in fact, there are some new insurance premium savings tips. For example, in the insurance Choose 500 yuan, or is absolutely free 800 yuan compensation, so the car a small injury although it is out of his own pocket, but the choice of deductible savings in annual premium much to fill the gap, the more important is in the insurance company accident record, this is a great the benefit of future premium.

For example, a $about 100000 car, the first year of all risks insurance is about 4000 yuan. But if rub scratches accident more than three times, because each claim must be reported, so in the insurance companies have repeatedly accident records, in the second year renewal can be increased by 10% to about 50% of the premium, premium for second years could become a 4400 yuan.

And if in the first year of 500 yuan for the absolute free choice, first when the annual premium may be reduced by about 10%. Within a year, even if there is repeatedly rub scratches, can be disposable to repair, spray a bumper 500 yuan is enough. So, if there is no other major accidents, within a year of no loss record, in the second year renewal insurance company will give no claims discount of about 10%. Therefore, for small accidents, accidents do not make the novice, the insured is a cost-effective solution.