Thuringia: New motor vehicle insurance classifications affect 190,000 drivers
Thuringia: New motor vehicle insurance classifications affect 190,000 drivers
Motor vehicle liability insurance in Thuringia will become more expensive for a significant number of drivers in the near future. Around 190,000 drivers are classified with higher regional classes. According to information from the overall association of the German Insurance Industry (GDV) in Berlin, vehicle owners in the cities of Suhl, Sonneberg, Sonneberg, Saalfeld-Rudolstadt, Weimarer Land and Kyffhäuserkreis are particularly affected. This is where the contributions increase because in the past in these regions, many accident claims have been claimed in the insurance. This new regulation underlines how strongly the accident risks vary regionally and how you can influence the insurance costs directly.
The regional classes are a system for classification of the insurance premiums based on past claims. If accidents happen more frequently in a district and the insurance company has to reimburse costs, this often leads to an increase in the regional class. As a result, drivers in the affected regions have to pay higher insurance contributions, which increases the burden for many households.
Fanti lower classifications in other regions
The annual adjustment of the regional classes is carried out on the basis of the damage balance sheets for around 400 admission districts in Germany. A transparent and systematic procedure ensures that drivers pay higher contributions in regions with a higher risk of accidents. This is an important concept to distribute the risk and the costs fairly.
inconsistent developments in comprehensive insurance
A look at the future developments
effects of the increased classifications on drivers
The change in the regional classes has significant financial effects on the drivers concerned. Higher contributions in vehicle liability insurance can be a noticeable additional burden for many. Drivers in the affected regions such as Suhl and Sonneberg have to expect average increases of around 10 to 20 percent, depending on the severity of the increase in the regional class. For many people, especially in rural areas, where income is often lower, this can be a serious financial burden.
A particularly worrying development is the increase in accidents that forms the basis for the re -evaluation of the regional classes. These figures are important not only for insurance companies, but also for the authorities, since they can indicate an increased risk of traffic accidents. The GDV reports that the comparative figures from recent years have often been shaped by an increasing accident rate in these specific regions.
Accident statistics in Thuringia
According to an analysis by the State Statistical Office of Thuringia, around 20,000 traffic accidents were registered in the Free State of Thuringia in 2022, which corresponds to an increase of around 4 % compared to the previous year. This increase refers to both personal injury and damage to property. A large part of these accidents are happening in urban areas, but also on national roads we experience an increase.
A closer look at the most common causes of the accident shows that speed violations and distractions through mobile devices play an important role. These factors not only lead to physical damage, but also greatly great confidence in traffic safety. In this context, the revision of the regional classes appears as a necessary step to make insurance costs in accordance with the actual risks.
reactions to the re -evaluation
The reactions of drivers to the re -evaluation of the regional classes are mixed. While some drivers support and recognize the insurance companies that the adjustments are necessary to run their business sustainably, other displeasure about the financial burdens that this change brings.
The consumer advice centers advise affected drivers to check the increase in insurance contributions and, if necessary, change insurance providers. There are often significant differences between the individual providers who could be used as a competitive advantage. In the past, the consumer advice centers have pointed out that a regular change of provider can not only save costs, but can also lead to better liability insurance.
A challenge for many drivers, however, is to invest the time and effort to change insurance, especially if they are already satisfied with their existing providers. In this context, insurance companies are increasingly publishing information about the regional classes to create transparency and to take account of customer loyalty.
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