Reduced driving classes for motorists in Brandenburg
In a recent update, the German Insurance Association (GDV) has revealed that several registration districts, including Potsdam, Oder-Spree, and Brandenburg, have seen a significant improvement in their car liability insurance claim records. This positive development could lead to more favorable car insurance rates for approximately 200,000 insured drivers in these regions.
The improved claim record is a result of fewer car accidents in these areas compared to the rest of Germany, as reported last year. This reduction in accidents has been particularly noticeable in Frankfurt an der Oder and the Elbe-Elster district, where both comprehensive and partial coverage car insurance rates are expected to decrease.
The GDV's regional classes play a significant role in determining the premiums for car insurance. A lower regional class indicates a better claim record, potentially leading to decreased premiums. Conversely, a higher regional class, which suggests a worse claim record, could lead to increased premiums.
It's important to note that while the regional classes are a crucial factor, they are not the only determinant insurers use to calculate premiums. In the case of liability insurance, insurance benefits for injured third parties in traffic accidents are of utmost importance.
Comprehensive insurance provides broader coverage than partial coverage, including self-inflicted accidents, car theft, glass damage, vehicle fires, wildlife accidents, and damage caused by natural events. On the other hand, partial coverage does not cover these incidents. In Frankfurt an der Oder, the class will decrease in both comprehensive and partial coverage insurance.
However, there is currently no available information regarding which city in Brandenburg had the best compensation situation in auto liability insurance in 2021. Additionally, the GDV has downgraded several registration districts in its regional statistics, though it's unclear how this will impact premiums.
The Elbe-Elster registration district, however, had the best claim record nationwide in car liability insurance, with claims about a third lower than the national average. This impressive record contributes to the overall improvement in the car insurance rates for drivers in Potsdam, Oder-Spree, and Brandenburg.
In conclusion, the improved claim records in Potsdam, Oder-Spree, and Brandenburg could potentially result in more affordable car insurance rates for drivers in these regions. It's essential for drivers to understand the factors that influence their premiums, such as the GDV's regional classes and the benefits provided by their insurance policies, to make informed decisions about their car insurance.
