The risk rate is rising, and there are only two ways to solve this loss situation. First, raise the premium standard. Then I saved 6000 yuan for all insurance, and now I still charge you 1 000 yuan, with high premium income. Isn't it easy to lose money at this time? Even if the incidence rate is higher, there will be no loss. But this is very easy to cause a rebound in the market. After all, there are many insurance companies that do vehicle insurance, and it is impossible for you to achieve an overall increase. When a company goes up, whoever takes the lead first will suffer, because it is also to buy insurance. Isn't it obvious where you are going with this 7000 yuan and that 1000 yuan?
The second way is to reduce the proportion of compensation. Originally, you had an accident, and when you spent 20,000 yuan to repair this car, you reported 20,000 yuan. Now the ratio is reduced by 65,438+00% and I'll quote you 65,438+08,000. Pay for the rest by yourself. In fact, this method is different from the above-mentioned method that the leader of the industry 1 will have an impact on its market share. If the industry can achieve a convergence trend, that is, almost all car companies raise prices at the same time, then consumers will have no more choices, so it will have an impact in the short term and no problem in the long run.
As for the solution, it is not for the insurance company to decide. For example, it is more difficult to test a driver's license, the theoretical test is more difficult, and the actual test process is more, which will increase the difficulty of testing a driver's license. However, people who can pass such a difficult test will naturally have stronger driving ability and lower possibility of accidents, but this is not something that insurance companies can interfere with.