Generally, if it is a shallow scratch, you can directly find a good car beauty shop and wash the car once, as long as 30 yuan, and ask their beautician to help you polish it. Only such a small place will usually help you deal with it, and they can also help you judge whether it is necessary to spray paint.
If the scratch is serious, it must be painted. Generally speaking, there are about 300 repair shops outside for cars under 20w, and pearl paint on the market is more expensive, which is about twice as expensive as 4s shops. 200,000-450,000 cars should be more than 500, and 4s shops should be more than 800, except for active and familiar repair shops. It should be noted here that some repair shops and 4s shops will pick customers, especially new car customers, and tell you a concept. The rubbing area is too large, not enough for one square, so you need to buy two. Don't be misled. In fact, there is no concept of square in car paint, only the concept of curved surface. I can't say what a seamless surface is, that is, a door counts as one side and a bumper counts as one side. Because no matter how big or small the base you scrape on this surface, you need to paint it at the same time, not just at the rubbing place, otherwise it will lead to uneven paint color or obvious complementary color areas. So you need to judge the number of faces you brush first and determine how much it will cost to go to the repair shop or the 4s shop.
We take compulsory insurance and commercial insurance. The limit of compensation for property losses of general compulsory insurance is 2000, and the increase rate in the following year after the accident is about 100, which reappears in the following year, and then increases to 100, which is capped twice. After the accident, the compulsory insurance that did not go out of danger will drop to the original level, and it will drop to the second level two years later. The risk of compulsory insurance is related to the amount, not to the number of times. Therefore, even if you want to get out of danger, you must take compulsory insurance. If you have an accident, pay for it yourself, just like taking insurance. The difference may be that you come once, and getting insurance is a bit like paying by installment. If you are not so skilled, the new car will inevitably be scratched in the first year, which is not serious. Therefore, I think it is relatively cost-effective to take compulsory insurance, but be careful not to exceed the quota. This requires your own judgment. Commercial insurance is not a big accident, try not to go out of danger. Commercial insurance has a commercial discount rate. After the accident, the increase was 1 to 20%, several hundred thousand yuan. The specific increase depends on how much commercial insurance you have and the price of your car. There is little difference between other types of insurance. The increase of commercial insurance is related to the number of accidents every year, but has little to do with the amount of accidents. The one-year discount rate of commercial insurance has dropped by one grade, and it has been out of danger for two consecutive years. In the third year, it has risen by two grades, reaching the lowest and highest respectively. In this case, it is not cost-effective to take commercial insurance for minor accidents. Maybe you can repair 300, which will increase 1000, but it will lose money.
To sum up, you should judge the way that suits you best according to your actual situation. There is no template solution. Even if there is a small hole in your plastic, the current technology can be repaired without changing it, and the price is much more cost-effective, so you need to judge your own situation before determining the plan.
If the new car is rubbed, insure it or repair it yourself. This problem depends on the degree of rubbing of the car. If the abrasion is not obvious, there is no need to repair it. Maybe because it's a new car, everyone cares more. The longer you drive, you will find that small trips are common. If everyone is insured, it will affect the premium next year.
Of course, if the rubbing is serious enough to require painting, that is another matter. In general, insurance is divided into compulsory insurance and commercial insurance. The property compensation limit of compulsory insurance is 2000, which will be increased by 100 the year after the accident, and so on. If it is tripled, it will be capped. In fact, it should be said that the risk of this compulsory insurance has nothing to do with the number of times, but with the amount. If you take commercial insurance in your daily life, in fact, the money you spend after careful calculation is similar to your own money. The difference is that commercial insurance is more like installment payment. If you don't drive carefully, compulsory insurance for minor accidents is very cost-effective. Of course, you have to grasp the quota yourself.
Commercial insurance, if the accident is not very serious, try not to. Commercial insurance has a commercial discount rate, which is the number of times to see insurance, and has little to do with the amount. So, if you take commercial insurance for minor accidents, you may spend 500 yuan to repair the car yourself. Because of the increase, the insurance will cost 1 1,000 yuan, which is not cost-effective.
Generally speaking, whether the car is damaged, whether it should be insured or not, and what kind of insurance should be taken should be measured according to the actual situation. There is never a fixed solution to this kind of thing. It is better to improve your driving skills, drive carefully and try not to bump.
Unilateral accidents can be decided by consulting the maintenance fees of franchise stores, and the account will be calculated for you:
Take 15000 car as an example: the benchmark premium of commercial insurance for your new car in the first year is 6000 yuan. Once out of danger, enjoy the discount of 0.72 of this benchmark premium in the second year, and the commercial insurance is 4335 yuan. In the second year, I didn't go out of danger, and the commercial insurance was 3,685 yuan, with a price difference of 650 yuan.
Don't go out of danger for two years in a row, give a 0.5% discount. Assuming that the base of 6000 is unchanged, the commercial insurance is 3030 yuan, and the difference between 4335 and 3030 is almost 1300 ~ (here is the discount after the first fee reform, and now the first fee reform has been completed all over the country. The second fee reform began in July 2007, 65438+2007, and the preferential treatment of the second fee reform is only applicable to the second fee reform city. The specific charges have not been announced, but they have been fully implemented in Guangdong Province. 0.72% discount, 0.6 1% discount and 0.5% discount refer to the insurance discounts given by the insurance company according to the accident situation of your car. )
Of course, there is no absolute. Some people think that if you buy insurance, you can't get out of danger. If the insurance company has profits, you will get out of danger! ~ just a small amount, it is not recommended to take risks. Usually there is something wrong with the car. If it does not affect the use and maintenance and does not exceed RMB 65,438+0,000, it is recommended to polish the paint or treat it at your own expense.
There is something wrong with the vehicle. Welcome to pay attention to: Lao Zhang, the store next door, answers all kinds of difficult questions.
Is it serious? Is the primer still there? If it's still there, you don't need to fix it. New cars are generally distressed. After a while, you will understand that it is normal to take insurance every time, and it is not worth it for your premium next year. If the primer is gone, it is recommended to insure it and repair it quickly.
Look at this area. If the area is small, just find a place to spray. It is not worth spending a little money on an insurance trip. If the area of plastic parts is also small, such as the front bumper and the rear bumper, then I suggest that you keep them and deal with them together when the insurance comes.
I bought a new car in July, and just a few days after driving, I rubbed someone else's suv ass at the corner. I also contacted the insurance at that time. The insurance says it is not cost-effective to insure against accidents that are too small, so it is suggested that I repair them myself. However, after a period of time, you will find that driving will inevitably rub, and then it doesn't matter. At first, I was extremely distressed. I just bought a car sticker today. Put it on.
The number of cars in China is increasing year by year, and there are more and more vehicles on the road, so the traffic environment is naturally more and more crowded. Moreover, each owner's driving skill level and quality are different, and it is inevitable that there will be scratches when driving on the road. For car owners who love their cars like life, it is natural to feel distressed when they see their beloved cars with big faces, so it is imperative to touch up the paint. But the question is, do you want insurance or pay for it yourself?
I'll join in the fun and express my opinion:
First, "the new car has been rubbed by itself" contains two messages:
1. is a new car, and the first year insurance is the standard rate (refer to the preferential treatment coefficient without indemnity 1), and 960 yuan is compulsory.
2. I wiped it, indicating that it was a unilateral accident, and there was no loss between the three.
Second, whether to get insurance or not, the key is to calculate whether the rising cost of insurance after claim settlement exceeds this indemnity. Don't pay if you exceed it, and pay if you don't exceed it.
Third, how to calculate commercial insurance? After the current second fee reform, there are regional differences in commercial insurance. Here, I want to tell you that the commercial insurance coefficient is calculated by the following four coefficients: no compensation preferential treatment coefficient * traffic violation coefficient * independent channel coefficient * independent underwriting coefficient. Traffic violation coefficient is not enabled in most areas, and it is calculated by 1. At present, the lowest independent channel coefficient and independent underwriting coefficient are double 0.75 (currently 0.85 and 0.75 in Zhejiang), and the lowest multiplication coefficient of the two is 0.5625, except
1. New car rate in the first year = preferential treatment coefficient without indemnity * traffic violation coefficient * independent channel coefficient * independent underwriting coefficient =1*1* 0.75 * 0.5625.
2. Assuming that there are no accidents in the second year and the discount coefficient of no compensation is 0.85, then the car insurance rate in the second year is 0.85 *1* 0.75 * 0.75 = 0.478125. Compared with the first year, the premium decreased by 15%.
3. Assuming that the payment is made once in the second year, and the discount coefficient without indemnity is still 1, then the car insurance rate in the second year is the same as the new car rate.
Four. Therefore, the conclusion of this case is as follows: if this insurance claims >; 15% of the new car premium, then you can get insurance, otherwise don't get insurance.
Verb (abbreviation of verb) Other suggestions
1. In general, it is recommended not to take insurance if the car damage is below 1000.
2. If it has not been out of danger for three consecutive years, the original preferential treatment coefficient without compensation is 0.6. After paying the fee once, the preferential coefficient of the second year's exemption will directly become 1, which is equivalent to a direct increase of 67% in the premium; What worries us even more is that the premiums in the third and fourth years have increased by 42% and 17% respectively compared with the first year, and the total increase in the three years is 126%. You can do the math yourself and see what is cost-effective.
Don't get insurance just because of a sesame accident. If we have lost once or twice in the previous year, in case of another big accident, the premium for the second year will make us even more "egg-sore".
Just say something, it's not comprehensive, and the specific situation still needs specific analysis.
With the rapid increase in the number of motor vehicles in China, motor vehicle travel in cities has become a big problem, especially in some first-and second-tier cities, which is "full of cars". Coupled with the urban planning of competing for land, people are prone to scraping accidents when driving out. Especially for some newcomers and new cars, due to driving skills or psychological reasons, the probability of scraping accidents is greater. Also, if you accidentally scratch when driving a new car, should you take out insurance or pay for it yourself?
Judging from the topic, the new car rubbed itself, indicating that it was a unilateral accident and there was no loss between the three. The first year's insurance is the standard rate (referring to the coefficient of preferential treatment without indemnity 1), so it is necessary to consider the cost of self-insurance or self-repair. If the cost of premium increase in the coming year exceeds the cost of self-study, choose self-study; On the other hand, if it is too serious, after the insurance is issued, the cost of self-repair far exceeds the cost of premium increase in the coming year, then it is decisively called insurance.
At present, there are regional differences in commercial insurance after the second fee reform. However, you can still calculate the commercial insurance coefficient according to the following four coefficients: non-indemnity preferential treatment coefficient × traffic violation coefficient × independent channel coefficient × independent underwriting coefficient.
Except for the preferential treatment coefficient without indemnity, the other three coefficients will basically not change within two times of danger; The traffic violation coefficient is not enabled in most areas, calculated by 1; The lowest independent channel coefficient and independent underwriting coefficient are both double 0.75 at present.
Therefore, it can be concluded that the new car rate in the first year = preferential treatment coefficient without indemnity × traffic violation coefficient× independent channel coefficient× independent underwriting coefficient =1×1× 0.75 × 0.75 = 0.5625. In this case, assuming that there is no accident in the second year, and the preferential coefficient without indemnity is 0.85, the car insurance rate in the second year is 0.85×10.75× 0.75 = 0.478125, which is 15% lower than that in the first year. Assuming that the payment is made once in the second year, and the preferential coefficient without compensation is still 1, then the car insurance rate in the second year is the same as the new car rate. So if the insurance compensation amount >; 15% of the new car premium, then you can get insurance, otherwise don't get insurance.
It is also very common that everyone will have some bumps when buying a new car. So, should I report it to the insurance company or repair it myself? Today, we will talk about this problem.
When I used to work in a 4s shop, generally speaking, our after-sales maintenance expenses were relatively low. For example, if one side of the car is scratched, it will take about 300 to 400 yuan if it is painted and electroplated. I don't think it's cost-effective if you take out insurance in this situation, because your insurance premium will go up a lot in the second year and there will be no discount.
If the maintenance cost after car cleaning is controlled around 500 yuan, you can pay for it yourself. If the price is relatively high, more than 1 0,000 yuan or around 2,000 yuan, I personally suggest that it is better to report to the insurance company, because if the premium increases in the second year, basically, the increase for family cars with more than 1 0,000 yuan will be about10,000 yuan.
The above is my personal view on this issue. If you have different opinions, you can leave a message in the comment area and discuss it together.
If the scratch is not big, sacrifice it and pay some money to repair it! If the scratch is too big, take insurance! Just pay a few hundred dollars yourself. If you leave the insurance, the insurance premium will rise sharply in the second year! Personally, I suggest that 800 yuan repair it himself and 800 yuan take insurance.