TRAFFIC SAFETY AND INSURANCE
The process of motorization experienced by Western countries in recent decades has brought with it many problems.
The most serious of these traffic safety. Trying to solve it by various means, including increasing zaiteresovannost the drivers themselves in trouble-free driving. This is achieved by specific stimuli, which are provided, in particular, the transport system of insurance. Such experience is of great interest for our motorists.
Principles of construction insurance in western European countries are almost identical, so that the example of Switzerland, you can trace the main trends that emerged in this area in recent years.
Large companies that are engaged in car insurance and have a large income from this, to attract customers conduct a flexible policy of insurance premiums (premiums). This primarily relates to the size of contributions, which vary depending on several conditions. The maximum fee charged by the company with the owner of the car for the first year. Then it all depends on how it will go. If no accidents, and more precisely, if the insurance company will not be involved in the financing of any repairs, the insurance premium rate at the conclusion of the next contract is reduced by 10%. Thus, the minimum premium for accident-free driving can make 50% of the initial or base, which depends mainly on the car and on the financial position of insurance companies.
Insurance companies carefully analyze all accidents, which account for the compensation. They are classified by types of vehicles, drivers on the seniority and by types of accidents. The practice, for example, shows that most participants are young people are accidents, not yet having a large income, and therefore possess relatively inexpensive cars. They and the driving experience, of course, smaller. With this in mind the relative size of the base fee, compared with the price of car insurance for cheap models may be higher than the expensive insurance. These machines usually have solid people who have sufficient driving experience. They are much less likely to blame for accidents, respectively, below the company's expenses and to pay for repair of their vehicles. Therefore, the base rate for a luxury car may even be lower than 3% of the price.
Of course, the insurance contract provides for reimbursement of all expenses and to repair a car damaged by the fault of the owner. However, this case involves an increase in premiums next year. If the insured twice in a row on the fault got into an accident, he forfeits all discounts, and the next year his premium returned to the baseline. And once again take five years of accident-free driving, to reduce its size by 50%.
Insurance companies are interested in a trouble-free driving their customers. Despite the fact that the income from their contributions decrease, but even more reduced cost of benefits. Wanting more interested in their customers, insurance companies are not limited to the usual benefits, and move on. So, for accident-free driving for 10 years or more the size of the contribution is further reduced and may be purely symbolic
an amount less than 1% of the price of the car.
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