In the Automobile insurance, there is a grade system of discounting insurance for an excellent driver.
There is already a contract more than 11 grades, and it is possible to start for the new contract when the car is newly owned according to seven grades though it starts from six grades in a new contract.
In the grade system, if it is an accident-free after it contracts for one year, it improves by one grade, and 60% or less is discounted by years of the accident-free more than insurance.
Oppositely, one accident is downed by three grades, and insurance improves more than next year when the accident is caused.
The accident-free period is needed for three years in returning the grade downed at a dash to former grade.
Therefore, when the accident is caused, let's compare the amount covered applied at the amount of an insurance load increase and the accident of three years, and self-bear the repair after the accident etc. or finish by insurance or select one with a little load.
