How many times can car insurance be used? Detailed explanation of claims frequency and precautions
In recent years, with the increase in car ownership, car owners have become more and more concerned about insurance claims. Many car owners wonder: How many times can car insurance be used in a year? Will it affect the next year’s premium? This article will give you detailed answers based on popular discussions across the Internet and insurance industry data.
1. Limitation on the number of car insurance claims
According to the insurance company's policy, there is usually no absolute upper limit on the number of claims for car insurance, but frequent claims may lead to increased premiums or even denial of insurance. The following are common regulations from major insurance companies:
| insurance company | Annual claims limit (recommended) | The impact of exceeding the number of times |
|---|---|---|
| PICC Property & Casualty Insurance | 3 times | The premium will increase by 10%-30% in the following year |
| Ping An Insurance | 2 times | May be classified as a high-risk customer |
| Pacific Insurance | 4 times | Stricter review when renewing insurance |
2. Claims Settlement Rules for Different Insurance Types
Car insurance includes multiple types of insurance, and the claims settlement rules for different types of insurance are also different:
| Insurance type | Limit on the number of claims | Special instructions |
|---|---|---|
| Compulsory traffic insurance | No explicit limit | However, frequent claims may be required to be corrected. |
| car damage insurance | Usually 3-5 times | Small claims may be consolidated |
| Third party liability insurance | No hard limit | Large claims require strict review |
3. The impact of frequent claims on premiums
The insurance company will adjust the premium for the next year based on the car owner’s claims record. The specific rules are as follows:
| Number of annual claims | Premium change range | Remarks |
|---|---|---|
| 0 times | Enjoy discounts (about 10%-20%) | Some companies offer discounts of up to 30% |
| 1 time | Basically the same | No discount but no increase |
| 2 times | Increase by 10%-20% | Some companies restrict discounts |
| 3 times and above | Increase by 30%-50% | May be denied insurance |
4. How to use car insurance reasonably?
1.Handle small losses at your own expense: For minor scratches with a repair cost of less than 500 yuan, it is recommended to solve it at your own expense to avoid affecting the premium due to small claims.
2.Combined reporting: Multiple losses caused by the same accident should be reported at one time as much as possible to reduce the number of claims recorded.
3.Pay attention to insurance terms: Some insurance companies also have records of "no liability claims", so you need to read the contract details carefully.
4.Choose a deductible plan: Choosing a higher deductible when applying for insurance can lower premiums and reduce the urge to settle small claims.
5. Summary
Although there is no legal limit on the number of car insurance claims, insurance companies will restrict it through premium adjustments and risk assessments. It is recommended that car owners rationally settle claims based on actual losses to avoid long-term cost increases due to frequent accidents. At the same time, safe driving is the fundamental way to reduce insurance expenses!
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