What to Do If a New Car Has 6 Insurance Claims in the First Year?
4 Answers
A new car having 6 insurance claims in the first year will result in increased premiums in the second year, and may even lead to the insurance company refusing to provide coverage. Below is additional information: 1. Motor Vehicle Insurance: Automobile insurance, also known as motor vehicle insurance, referred to as car insurance, is a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Car insurance is a form of property insurance that has evolved and matured alongside the emergence and widespread use of automobiles. 2. Characteristics: Uncertainty, due to motor vehicles traveling on roads with high mobility and irregular routes, increases the unpredictability of hazardous incidents and insurance losses for insurers. Expanded insurable interest, for example, as long as the insured vehicle is used by a qualified driver permitted by the policyholder, and if an insurance incident specified in the policy occurs, resulting in third-party property damage or personal injury, the insurer is liable for compensation.
Over the past few years, I've helped friends handle numerous insurance claims. Having 6 claims in the first year of a new car is indeed tricky. The most direct impact is that the insurance premium will definitely skyrocket in the second year, and some insurance companies may even refuse coverage. I suggest quickly contacting several small and medium-sized insurance companies to compare quotes and see if any are willing to take on the policy, as their policies are relatively more lenient. Additionally, it's important to clarify the specific reasons for the 6 claims. If there were multiple small claims like scratch insurance, try negotiating to withdraw some of the claims. Most importantly, reflect on driving habits. The most common mistakes for new drivers are following too closely and parking scratches. It's advisable to install a 360-degree camera assistance system. If all else fails, you may have to honestly pay the high premium for two or three years until the claim record rolls off, then switch companies.
As a seasoned driver in the car owners' group, I often see young car owners filing claims aggressively in their first year. Six claims are indeed a bit excessive, and you've been labeled as high-risk in the car insurance system. First, separate compulsory traffic insurance from commercial insurance. Compulsory traffic insurance is mandatory and all companies must accept it, but commercial insurance will be much more troublesome. A fellow car owner I know in a similar situation simply gave up on comprehensive coverage and only insured for third-party liability and compulsory traffic insurance. Although this means bearing the risk of repair costs themselves, the premium is 60% cheaper. Remember to get quotes 90 days in advance for your next renewal to avoid a coverage gap by securing the policy before it expires. Also, pay more attention to the condition of your car's paint during regular washes—handling minor scratches yourself is more cost-effective than filing a claim.
I've encountered several similar cases at my auto repair shop. Filing six insurance claims in the first year of a new car really hurts both the vehicle and the wallet. The biggest issue lies in the vehicle's depreciation rate - all repair records remain in the system, and buyers will use them to negotiate lower prices when selling later. A compromise is to postpone some claims to the second year, but this requires careful timing of when to report incidents. Nowadays many car owners choose to pay out-of-pocket for minor accidents, especially when the insurance premium exceeds twice the repair cost. I recommend installing an OBD driving analysis device - it alerts and corrects bad driving behaviors. My old Passat hasn't had a single claim in three years since installing one.
