New rating of accident risks: Higher car insurance contributions in Lower Saxony
New rating of accident risks: Higher car insurance contributions in Lower Saxony
In Lower Saxony, around 500,000 drivers are faced with higher costs for their car liability insurance. This adaptation follows a comprehensive assessment of the accident risks by the insurance companies. While many drivers are affected by higher contributions, there are still some regions in which the insurance contributions could decrease.
The new circumstances come into force because the insurance companies adapt the statistics for their tariffs. This reassessment concerns both existing and new insurance contracts. The change will be effective from the next year of insurance. This means that drivers who live in the affected regions will soon have to dig deeper into their pockets.
regional differences in the insurance contributions
According to information from the entire Association of the German Insurance Industry (GDV), the regional contributions of vehicle liability insurance in cities such as Hannover, Lüneburg and Friesland are increasing in particular. The GDV states that the regional classes are crucial because they state how much damage causes drivers from a certain area. In principle, the following applies here: the higher the regional class, the higher the insurance contributions. In addition to the regional classes, various other factors such as the vehicle, the age of the driver and the accident -free time also play a role in the amount of the contribution.
what the changes mean for drivers
Especially in Bremen, drivers can look forward to stable contributions, since the regional classes remain low there. Regional class 7 was retained here. For comparison: in large cities such as Hamburg, Berlin and Munich, the regional classes tend to be higher, since the traffic density and thus the accident rate are larger.
Overall, the re -evaluation of the accident risks in Lower Saxony is part of the entire insurance system that aims to be fair and to adapt the premiums to the actual risk.
an outlook on the insurance costs
The re-evaluation of the regional classes for motor vehicle liability insurance is not only an internal adjustment of the insurance companies, but also reflects a more comprehensive change in mobility behavior and traffic safety. In recent years, the transport infrastructure in Lower Saxony has continuously improved, which has had a positive impact on accident statistics. A future -oriented transport policy that aims at security and sustainability can contribute significantly to the stability of the insurance contributions.
influencing factors on the risk of accidents
The risk for drivers to be involved in an accident is influenced by a variety of factors. It is not only the region and the traffic density, but also the driving behavior of the users, the age of the vehicle and the equipment with security technologies. In Lower Saxony, these aspects play a crucial role in the calculation of the regional classes.
Statistics of the GDV also show that regions with a younger vehicle fleet and a higher distribution of driving assistance systems tend to have lower accident rates. The trend is clearly towards increasing technologization, which ultimately leads to higher security standards on the streets and thus stabilizes or even lowers the insurance contributions.
Especially in rural areas in which the traffic density is lower, a well-developed infrastructure can prevent serious accidents. This is a positive sign for drivers who can benefit from the new lower regional classes.
The look at the statistics
Current data from police crime statistics show that the number of traffic accidents in Lower Saxony has tended to decrease in the past five years. The number of injuries decreased by about 6 %, while the number of killed remained stable. These developments are also important for the calculation of the regional classes because they influence the damage balance of the individual districts.
According to the last survey of the State Statistical Office of Lower Saxony, it is also expected that the vehicle stock will increase by a further 3 % in rural regions by 2025. As a result, the insurance contributions could continue to stabilize, since a larger vehicle requirement in conjunction with a continued positive accident balance leads to lower risks.
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