車險報案一次和兩次有什么區別
車險出險一次和兩次的區別主要在于:被保車輛若是在上一年度出過一次險,那下一年車險保費無變化而若是被保車輛在上一年度出過兩次險,則下一年車險保費會有所上漲。
1、交強險費用提升
如(ru)果(guo)上一個年(nian)度(du)里發生兩次(ci)或是(shi)(shi)兩次(ci)以上有責任(ren)道路交通事故,費率將(jiang)上浮10%。而(er)出險(xian)一次(ci)的話,交強(qiang)險(xian)是(shi)(shi)保持不(bu)變的。比如(ru)小車的交強(qiang)險(xian)每年(nian)為(wei)980元,出險(xian)一次(ci)為(wei)下年(nian)交強(qiang)險(xian)為(wei)980,出險(xian)兩次(ci)就上升10%,也(ye)就是(shi)(shi)980*10%+980=1078元。
2、商業險費用提升
不同保(bao)險公司對(dui)事故(gu)引起的車輛保(bao)險費(fei)(fei)費(fei)(fei)率浮動都有各自的政策。商(shang)(shang)業(ye)車輛保(bao)險費(fei)(fei)的費(fei)(fei)率浮動也與事故(gu)次數(shu)大有關系(xi)。而(er)一(yi)(yi)次可能(neng)是(shi)保(bao)持商(shang)(shang)業(ye)險費(fei)(fei)率不變,而(er)兩(liang)次可能(neng)就(jiu)會(hui)增(zeng)加商(shang)(shang)業(ye)險費(fei)(fei)率,這(zhe)樣商(shang)(shang)業(ye)險費(fei)(fei)用(yong)下一(yi)(yi)年也會(hui)相對(dui)應(ying)的提升。
3、優惠不一樣
有些(xie)保(bao)險(xian)(xian)公(gong)司(si)會(hui)(hui)對(dui)一次(ci)出(chu)險(xian)(xian)的,可能(neng)會(hui)(hui)存(cun)在(zai)第二年商業險(xian)(xian)打折優惠(hui),而兩次(ci)出(chu)險(xian)(xian)的不(bu)僅不(bu)會(hui)(hui)優惠(hui),而且可能(neng)還會(hui)(hui)提(ti)升商業險(xian)(xian)保(bao)險(xian)(xian)費用。
車險報案次數和保費的關系
出(chu)險次數(shu)與(yu)保(bao)費一般成正(zheng)比例關系(xi),也就是出(chu)險次數(shu)越(yue)多(duo),相應所需保(bao)費也會(hui)越(yue)多(duo)。費率與(yu)風險掛鉤,也就是出(chu)險次數(shu)越(yue)多(duo),保(bao)費就會(hui)越(yue)高,而不(bu)出(chu)險的(de)車主,將會(hui)享受到一定的(de)優(you)惠(hui)。
車險報案次數多了會怎么樣
1、車主的影響
對車主而言,車險出險(xian)(xian)(xian)次(ci)數(shu)多了會帶來許(xu)多負面影響(xiang)。首先,車(che)(che)(che)主(zhu)的保(bao)(bao)險(xian)(xian)(xian)費率會上漲,尤其是在一年內出險(xian)(xian)(xian)次(ci)數(shu)多的情況(kuang)下,保(bao)(bao)險(xian)(xian)(xian)公(gong)司會認為車(che)(che)(che)主(zhu)的風險(xian)(xian)(xian)越大,因此需要收(shou)取更(geng)高(gao)的保(bao)(bao)險(xian)(xian)(xian)費用以保(bao)(bao)障自身(shen)利潤(run)。其次(ci),車(che)(che)(che)主(zhu)的保(bao)(bao)險(xian)(xian)(xian)理賠過程也可能(neng)會受到(dao)影響(xiang)。如果保(bao)(bao)險(xian)(xian)(xian)公(gong)司認為車(che)(che)(che)主(zhu)出險(xian)(xian)(xian)次(ci)數(shu)過多或者(zhe)以前的理賠記錄不太好,可能(neng)會對(dui)車(che)(che)(che)主(zhu)的理賠申請(qing)進行(xing)審查甚至拒絕賠付(fu),對(dui)車(che)(che)(che)主(zhu)產(chan)生不小的經(jing)濟(ji)損失(shi)。
2、保險公司的影響
對于保(bao)(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)而言,車(che)險(xian)(xian)(xian)出險(xian)(xian)(xian)次(ci)數多了也會(hui)帶來一(yi)定的(de)影響(xiang)。一(yi)方面,保(bao)(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)的(de)風險(xian)(xian)(xian)承受(shou)能力會(hui)降低,尤其(qi)是在(zai)一(yi)些高風險(xian)(xian)(xian)車(che)主的(de)案件堆(dui)積(ji)較(jiao)多時,保(bao)(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)需要擔負更(geng)多的(de)風險(xian)(xian)(xian),給(gei)公(gong)(gong)司(si)帶來財務壓力。另一(yi)方面,車(che)險(xian)(xian)(xian)出險(xian)(xian)(xian)次(ci)數多了也將對保(bao)(bao)險(xian)(xian)(xian)公(gong)(gong)司(si)的(de)聲譽產生(sheng)不利影響(xiang),可能導致公(gong)(gong)司(si)在(zai)公(gong)(gong)眾心目中的(de)形象受(shou)到損害,以致客戶流(liu)失。
3、解決方案
對于(yu)車主(zhu)(zhu)而言(yan),避免車險(xian)(xian)出險(xian)(xian)次(ci)數過多是(shi)最有效的(de)解決(jue)方案。車主(zhu)(zhu)可(ke)在日常生活中注(zhu)意遵(zun)守交(jiao)通規則,不(bu)超速、不(bu)闖紅(hong)燈(deng)等(deng),避免交(jiao)通事故的(de)發生。此外(wai),車主(zhu)(zhu)還(huan)可(ke)以(yi)選擇保(bao)(bao)險(xian)(xian)保(bao)(bao)障范圍更(geng)廣、更(geng)加全面的(de)保(bao)(bao)險(xian)(xian)套餐,以(yi)便在出現緊急(ji)情(qing)況時(shi)得到更(geng)快(kuai)更(geng)好的(de)保(bao)(bao)障。對于(yu)保(bao)(bao)險(xian)(xian)公(gong)司而言(yan),提(ti)高風險(xian)(xian)評估能(neng)力、合理制定保(bao)(bao)險(xian)(xian)費率也是(shi)緩(huan)解車險(xian)(xian)出險(xian)(xian)次(ci)數過多的(de)有效途徑(jing)。同時(shi),加強(qiang)企業宣傳,提(ti)升(sheng)公(gong)眾信任(ren)度和聲(sheng)譽,也是(shi)保(bao)(bao)持企業持續發展的(de)關鍵因素。