Does filing a car insurance claim affect the next year's premium?

1 Answers
Earl
07/29/25 7:11pm
The more claims you file and the higher the claim amounts, the more expensive your premium will be the following year. Here are the specific details: 1. Compulsory Traffic Insurance: If you file two or more claims in a year, the discount will decrease. According to the latest insurance regulations, if a car has no claims for one year, the premium will be discounted by 10% off the standard rate; for two consecutive years without claims, it will be discounted by 20%; and for three consecutive years without claims, it will be discounted by 30%, which is the maximum discount for compulsory traffic insurance. 2. Commercial Insurance: Policies vary by insurance company, with the number of claims and claim amounts being key factors. Each insurance company has different policies for commercial insurance, with two main indicators: the number of claims and the claim amounts. However, the preferential policies of each insurance company are adjusted annually, and they may also differ based on the car model and type of coverage.
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