1, determined according to the new car purchase price of the insured motor vehicle at the time of insurance.
The purchase price of a new car at the time of insurance is determined according to the market sales price (including vehicle purchase tax) of the same type of new car signed in the insurance contract at the time of insurance, and it is stated in the insurance policy. If the same type of new car has no market sales price, it shall be determined by the insured and the insurer through consultation.
2. According to the actual value of the insured motor vehicle at the time of insurance.
The actual value of the insured motor vehicle at the time of insurance is determined according to the purchase price of the new car at the time of insurance minus the depreciation amount. The depreciation of the insured motor vehicle shall be calculated on a monthly basis, and the part less than one month shall not be depreciated. For example, the monthly depreciation rate of passenger cars with less than 9 seats is 0.6%, and the monthly depreciation rate of passenger cars with more than 10 seats is 0.9%. The maximum depreciation shall not exceed 80% of the purchase price of the new motor vehicle at the time of insurance.
New clauses of car damage insurance:
1. First, the new clause introduces the model coefficient. Different standards are applicable to different models, and certain rates are applicable to vehicles with excellent safety performance, low accident probability and low maintenance cost, such as Iveco, Jinlong, Cherokee and Sonata. On the contrary, for special models, rare models and old models, the rates will be raised.
2. Secondly, 500 yuan's absolute deductible is set in the car damage insurance clauses for family cars and commercial cars. According to statistics, the compensation cases of Yangzhou local insurance companies whose compensation amount is below 500 yuan account for 5 1% of the total compensation cases, while the compensation amount only accounts for 5% of the total compensation amount. In other words, a lot of claims resources are wasted in dealing with small cases of tens of dollars and hundreds of dollars. "Free compensation below 500 yuan" has aroused strong response from Yangzhou car owners, but for insurance companies, it can effectively allocate human resources and better serve customers who need services. According to insiders, although the losses below 500 yuan are handled by ourselves, because there is no claim record in the insurance company, you can enjoy a premium discount of 5%- 10% when renewing your insurance.
3. Thirdly, the new clause also sets the adjustment grade of 12 auto insurance rate according to the compensation record of the previous year, which is dynamically adjusted according to the compensation situation of the previous year. The highest level is 12, and its insurance premium will be adjusted to 200%; The lowest level is level 1, and its insurance rate will be adjusted to 50%. The new version of auto insurance also links the vehicle violation record with the rate. If there are serious violations and minor violations for more than three times, the rate will rise by 5%-10%; There was no traffic violation in the previous year, and the rate was favorable.