Revaluation of the accident risks: It gets so more expensive for drivers in Lower Saxony
<p> <strong> Revaluation of the accident risks: It gets so more expensive for drivers in Lower Saxony </strong> </p>
In Lower Saxony, around 500,000 drivers are waiting for an unpleasant message: Due to a re-evaluation of the accident risks, many of them are classified into a higher regional class, which leads directly to increased costs in car liability insurance. This insurance company's decision causes a sensation and is expected to affect the premiums for numerous car owners in the Region.
The new regulations refer to a reorder of the regional classes that the insurance industry uses to evaluate the risk of an accident in certain areas. In plain language, this means that drivers in regions with a poor accident balance, such as in Hanover or Goslar, now have to pay higher contributions. This evaluation is now applicable to new contracts and for existing contracts from the coming insurance year.
regional differences and effects
According to the overall association of the German Insurance Industry (GDV), drivers in cities such as Hannover, Lüneburg, Friesland and Verden will be particularly affected. In these cities, the probability of accidents and thus the damage caused is higher, which leads directly to higher insurance contributions. Basically, the higher the regional class, the more the driver has to invest in his insurance. The regional class is therefore a decisive factor that flows into the calculation of the premiums.
While around 500,000 drivers in Lower Saxony have to expect higher costs, the majority of around 4.3 million drivers remain stable. Around half of all policyholder remains in the lowest regional classes 1 to 3. For comprehensive insurance, the changes are also moderate: Around 660,000 people rise into a higher class, while around 250,000 slip into a lower category.
positive developments for other regions
A look at the Bremen region illustrates that the damage balance is still good here. In this smallest state, regional class 7 remains in vehicle liability insurance, which is significantly cheaper compared to large German cities such as Hamburg or Munich. These cities fight due to their higher traffic density and the associated accidents with the highest regional classes that can reach up to 12
The rapid increase in costs particularly affects those drivers who move with a lot of traffic in lived urban centers. The compulsion to adapt to changed insurance contributions can be significant stress for many. Nevertheless, it should be noted that the new reviews also include opportunities for drivers in less risky regions and thus represent varying effects on the insurance landscape in Lower Saxony.
Change at a glance: A new insurance landscape
The re -evaluation of the accident risks not only reflects individual changes in the insurance contributions, but also throws a light on the general trends in the insurance industry. The differences between urban and rural regions with regard to the accident rates and insurance contributions are increasing. These developments could encourage drivers to think about alternative insurance models and to critically question the tariff system of the providers.
The upcoming economic changes in Lower Saxony illustrate the challenges that many drivers will face. The situation will have to be followed carefully, since the adjustments can have direct consequences for both those affected and for insurance companies. In view of these changes, it will be crucial how the behavior of the drivers and the market strategies of insurance companies develop.
The new evaluation of the accident risks is not only a result of current developments in Lower Saxony, but also reflects broader trends in the German automotive insurance industry. In recent years, the number of accidents and the driving behavior of people has changed, which has a direct impact on insurance contributions. The statistics of the GDV show that the number of accidents in Germany vary in recent years, whereby years with an increase in traffic accidents can also lead to higher contributions.
An important factor that flows into this new evaluation is the improvement of the traffic infrastructure in many rural regions that can contribute to reducing the number of accidents. While higher regional classes in cities such as Hanover result due to the traffic density and more frequent accidents, rural areas benefit from less traffic and thus lower accident risks.
Different effects on rural and urban areas
In the discussion about the increasing vehicle liability insurance contributions, the gap between urban and rural areas is also visible. Large cities such as Hamburg or Munich have proven to have higher damage figures in car insurance. This circumstances mean that drivers in urban regions have to pay more for their insurance on average. In contrast to this, there are rural regions where the number of accidents is lower and therefore the contributions tend to be cheaper.
Experts of the GDV also explain that a more comprehensive strategy in the field of traffic safety is required to reduce the overall accident risks as a whole. This could be done by measures such as promoting carpooling or the expansion of public transport in order to reduce vehicle traffic in metropolitan areas.
Insurance providers and market changes
With a view to the insurance landscape in Germany, current market analyzes show that consumers are increasingly being given the opportunity to choose between different providers. Digitization has meant that comparison portals have a major impact on pricing. Drivers have more power than ever to choose the cheapest tariffs and can benefit from tailor -made offers from insurance companies.
In times of increasing living costs, providers are also required to make their products more transparent and attractive. Customer satisfaction becomes a crucial criterion in order to be able to survive in the competitive market. Future -oriented companies are increasingly relying on innovative solutions to keep their customers and win new customers, while they are also trying to mitigate the effects of increasing costs. This could also be relevant in relation to the new evaluation of the accident risks if the insurers try to stabilize their contributions and respond to the needs of drivers.