Since July of this year, commercial insurance has been formally launched after the reforms. Actually, for most ordinary people, interpretations of policies are often not in place, or that many people actually care most about whether they can actually enjoy themselves. Interests. Therefore, today we are ready to use the most direct way to explain some of the new policies of car insurance with riders. Where is the new car insurance after the reform? For those who don’t want to spend money, they must be clear! The first biggest change should be the change in the number of insurance trips and premiums. In the past, if the owner did not exceed two times a year, the premium for the next year would not have much effect, but After the reform of commercial insurance, even if this year only happened once, the vehicle insurance benefits for the following year were basically gone. Especially for riders with as many as five or more trips, the premium for the following year will double! If the insurance is not completed, then the premiums for the next year are also discounted and discounted. In this way, the introduction of the new regulations will indefinitely indicate that when the owner encounters some serious accidents, he or she will be more cost-effective. The second change is that the number of premiums and illegal activities will be directly linked. In other words, owners with more traffic violations will have to pay higher premiums, and they will also determine the percentage of premium increase based on the degree of illegal activities. . To take a simple example, if a rider has a traffic violation in Shanghai and a red light, then the maximum percentage of premium increase in the second year can be as high as 45%, so that the premium paid will be very small. The amount of money. However, this time the reform is better. Some of the exemptions have been abolished. Before the commercial insurance that had not been reformed, there was no way to get compensation for accidents such as hitting one's family, but now it can be done by a third party. Of course, when the vehicle is damaged by natural disasters such as hail and typhoon, it is also possible to make a claim to the insurance company. Therefore, after the reform, the scope of insurance claims is wider and more humane!
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