<p>汽车的成本可能会继续推高免赔额。根据 Cox Automotive 的数据，自四月以来，汽车制造商对新车的平均要价一直超过 50,000 美元，十一月时接近 52,000 美元。越来越多的人选择更长的贷款期限，部分月供接近 1,000 美元，这使得汽车拥有的持续成本对许多人来说成为负担。</p>
<p>提高免赔额存在风险。进行此操作的驾驶者必须确定如果发生事故，他们是否能够承担更高的金额。如果不能，&#34;你实际上就没有保险，&#34; Glombicki 说。</p>
<p>根据 The Zebra 的一项调查，超过四分之一的人表示他们的储蓄不足以支付免赔额。</p>
<p>'客户自付'正在上升</p>
<p>1,000 美元的免赔额曾经很少见，但现在已经很普遍，碰撞修理专家协会的执行董事 Aaron Schulenburg 表示。他还听说现在有 2,000 美元的免赔额。</p>
<p>Schulenberg 看到驾驶者在承担更多责任以降低保险成本方面有其他方式。他听说越来越多的事件中，驾驶者在支付免赔额的同时还支付了保险公司未支付的自付部分。</p>
<p>他还听说越来越多的客户自己承担全部费用。&#34;客户在碰撞修理店承担的修理费用越来越多，&#34;他提到的&#34;客户自付&#34;事件也在上升。</p>
<p>在这种情况下，客户直接向车身修理店付款，而保险公司从未参与索赔，甚至可能不知道该事件。</p>
<p>根据 J.D. Power 在十月的调查，7% 的驾驶者表示他们没有提出索赔，因为担心这会影响他们的保费。</p>
<p>Mike Anderson 是一位咨询修理店、汽车制造商和消费者的顾问，他在 200 家汽车修理企业中看到这一趋势，这些企业共享信息。他表示，今年几乎 20% 的修理订单完全由客户支付，而不是由保险公司支付。这一比例从 2024 年的 12.7% 上升，三四年前为 7% 到 8%。&#34;在可预见的未来，客户自付将保持相当强劲，&#34;Anderson 说。</p>
<p>客户自付的一个风险是：一些注重价格的驾驶者可能会通过购买便宜但不够安全的零件来削减成本。&#34;在自付时，他们往往想要比价，&#34;并可能在线寻找替换零件，Anderson 说。</p>
<p>另一个风险是：驾驶者完全跳过修理。在某些情况下，如果发生事故，驾驶者可能会后悔没有处理坏掉的倒车摄像头或失灵的变道传感器，Anderson 说。</p>
<p>Schulenberg 表示，当汽车来进行其他服务时，未处理的损坏会显现出来。&#34;我认为你会看到更多这样的情况。&#34;</p>
<p>Mitchell International 的 Mandell 已经亲身体验了驾驶者所做的权衡。去年，一名驾驶者在停车标志处倒车撞上他的 12 年车龄的 Yukon XL 后逃离现场。更换被划伤的前保险杠需要 1,100 美元，而 Mandell 本来需要支付前 500 美元。</p>
<p>他已经在为 25% 的保费上涨做好准备，因为他的青少年儿子现在有了学习驾照。然后在他儿子获得驾照后又上涨 25%。所以，他认为为保险杠提出索赔不值得。</p>
<p>尽管他最终支付了修理 SUV 变速箱的费用，但 Mandell 表示前保险杠看起来并不好。&#34;我们选择花钱维护车辆，而不是追求外观，&#34;他说。</p>
<p>路上无保险或保险不足的驾驶者越来越多</p>
<p>这并不总是保险与不保险的选择。越来越多的是保险覆盖不足的问题。根据保险研究委员会的数据，2023 年，超过六分之一的驾驶者，即 18%，的保险不足以覆盖损害的费用。自 2017 年以来，这一比例有所上升。</p>
<p>Ann Baddour 是德克萨斯州 Appleseed 公平金融服务项目的主任，这是一个专注于社会、经济和种族正义问题的非营利组织。Baddour 观察到 Kelly 在寻找保险方面的挣扎。她调查发现，在休斯顿低收入邮政编码地区，缺乏汽车保险的驾驶者被开具的警察罚单越来越多。保费上涨加剧了无保险率，她说。</p>
<p>然而，其他保险做法——例如使用驾驶者的信用评分来影响保费——使问题更加严重，Baddour 认为。在大多数州，包括德克萨斯州，保险公司允许汽车保险公司在其覆盖和定价决策中考虑信用评分。</p>
<p>&#34;这似乎有些脱节，因为我们希望人们有保险，但却以一种定价方式使得如果一个人跌倒，他们就很难重新进入市场，&#34;Baddour 说。</p>
<p>驾驶者为节省费用而做出的最冒险的选择：'规避保费'</p>
<p>虽然驾驶者有合法的方式来降低保费——例如寻找更好的保单——但也有非法的方式，比如对保险公司隐瞒重要事实。这包括误导保险公司关于个人驾驶汽车的频率，或汽车晚上停放的位置，或谁是真正的日常驾驶者。</p>
<p>根据国家保险犯罪局的说法，这种&#34;规避保费&#34;的现象正在上升。该组织是一个由保险行业资助的非营利组织，与执法部门合作打击欺诈。</p>
<p>该组织表示，在 2010 年至 2019 年间，&#34;规避保费&#34;现象稳步上升。在疫情期间，由于人们驾驶减少，这一现象有所下降，并在 2024 年再次达到高峰。</p>
<p>&#34;这受到经济问题的驱动。当人们面临困境时，他们会寻找节省开支的方法，&#34;该组织的情报与分析主任 Jessica Rust 说。</p>
<p>Rust 表示，保险公司将欺诈风险计入保费中。&#34;我们都在为发生的欺诈支付更多费用。&#34;</p>
<p>Rust 指出，一些司机对其保险公司的虚假陈述可能会成为执法案件。在其他情况下，保险公司可能会取消某人的保险，这在司机未来寻找保险时将是一个重大警示信号。她想知道人们是否意识到这些风险。</p>
<p>展望未来，Rust 预计保险费的规避行为将持续高企。&#34;我不认为这种情况会很快好转。&#34;</p>
<p>'动摇的信心'</p>
<p>汽车保险应该在路上出现问题时充当财务防火墙。由于承担更多风险，消费者的信任可能受到考验——而此时他们真的想了解自己为钱所获得的价值。</p>
<p>Schulenberg 表示，&#34;客户自付&#34;和超过免赔额的自费支付的增加可能会动摇司机的信心。他们可能会在修理专家的说法和保险公司的说法之间感到困惑。这使得整个修理过程中的正确做法产生了疑问。</p>
<p>他补充道，这也可能迫使司机提出一个问题：&#34;如果保险公司不为我支付，为什么我还要支付保险？&#34;</p>
<p>您希望在 MarketWatch 中看到哪些个人财务问题？我们希望听到读者关于他们财务决策和与金钱相关的问题的反馈。您可以通过 readerstories@marketwatch.com 与我们联系。记者可能会与您联系以了解更多信息。MarketWatch 不会在未经您许可的情况下将您的答案以姓名形式归属给您。</p>
<p>-Andrew Keshner</p>
<p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 与道琼斯新闻通讯和《华尔街日报》独立出版。</p>
<p>（结束）道琼斯新闻通讯</p>
<p>12-23-25 1635ET</p>

CARS

<p>汽车和保险免赔额的上涨成本导致了更多无保险驾驶者和未修复的车辆损坏。新车价格平均超过 50,000 美元，许多人选择更长的贷款期限，增加了财务负担。更高的免赔额意味着一些驾驶者实际上缺乏保险。越来越多的驾驶者自掏腰包进行维修，目前 20% 的维修订单由客户支付。无保险率在上升，2023 年有 18% 的驾驶者保险不足。使用信用评分来定价保险等做法加剧了这一问题，给驾驶者维持足够保险覆盖造成了障碍</p>

<p>The cost of cars could keep that upward push on deductibles. Automakers' average asking price for a new car has been above $50,000 since April and was nearly $52,000 in November, according to Cox Automotive. More people are taking out longer loans, with some monthly payments near $1,000, making the ongoing costs of car ownership a burden for many.</p>
<div class="lb-trans"><p>汽车的成本可能会继续推高免赔额。根据 Cox Automotive 的数据，自四月以来，汽车制造商对新车的平均要价一直超过 50,000 美元，十一月时接近 52,000 美元。越来越多的人选择更长的贷款期限，部分月供接近 1,000 美元，这使得汽车拥有的持续成本对许多人来说成为负担。</p>
</div><p>Raising a deductible has risks. Drivers who do it have to determine whether they can afford to pay the higher amount if an accident occurs. If they can't, &#34;you effectively do not have insurance,&#34; Glombicki said.</p>
<div class="lb-trans"><p>提高免赔额存在风险。进行此操作的驾驶者必须确定如果发生事故，他们是否能够承担更高的金额。如果不能，&#34;你实际上就没有保险，&#34; Glombicki 说。</p>
</div><p>Over one-quarter of people said they did not have enough money in savings to cover their deductible, according to a survey from The Zebra.</p>
<div class="lb-trans"><p>根据 The Zebra 的一项调查，超过四分之一的人表示他们的储蓄不足以支付免赔额。</p>
</div><p>'Customer pay' is on the rise</p>
<div class="lb-trans"><p>'客户自付'正在上升</p>
</div><p>A $1,000 deductible used to be a rarity but now it's common, said Aaron Schulenburg, executive director of the Society of Collision Repair Specialists. He's heard of $2,000 deductibles these days too.</p>
<div class="lb-trans"><p>1,000 美元的免赔额曾经很少见，但现在已经很普遍，碰撞修理专家协会的执行董事 Aaron Schulenburg 表示。他还听说现在有 2,000 美元的免赔额。</p>
</div><p>Schulenberg sees other ways drivers are shouldering more responsibility to tamp down on insurance costs. He's heard of more incidents where drivers are paying their deductible along with an out-of-pocket portion the insurer did not pay.</p>
<div class="lb-trans"><p>Schulenberg 看到驾驶者在承担更多责任以降低保险成本方面有其他方式。他听说越来越多的事件中，驾驶者在支付免赔额的同时还支付了保险公司未支付的自付部分。</p>
</div><p>He's also heard of more customers handling the entire amount themselves. &#34;Customers are covering more and more of their repairs&#34; at collision repair shops, amid the rise of what he referred to as &#34;customer-pay&#34; incidents.</p>
<div class="lb-trans"><p>他还听说越来越多的客户自己承担全部费用。&#34;客户在碰撞修理店承担的修理费用越来越多，&#34;他提到的&#34;客户自付&#34;事件也在上升。</p>
</div><p>That's where the customer pays the body shop directly while the insurance company never gets involved with a claim - and may not even know of the incident.</p>
<div class="lb-trans"><p>在这种情况下，客户直接向车身修理店付款，而保险公司从未参与索赔，甚至可能不知道该事件。</p>
</div><p>Seven percent of drivers said they didn't file a claim because they worried about that impacting their premium, according to a J.D. Power survey in October.</p>
<div class="lb-trans"><p>根据 J.D. Power 在十月的调查，7% 的驾驶者表示他们没有提出索赔，因为担心这会影响他们的保费。</p>
</div><p>Mike Anderson, a consultant to repair shops, vehicle manufacturers and consumers, sees the trend among a group of 200 auto-repair businesses who pool information. This year, almost 20% of repair orders are now paid completely by the customer instead of the insurer, he said. That's up from 12.7% in 2024 and from 7% to 8% three or four years ago, he said. &#34;For the foreseeable future, customer pay is going to stay pretty strong,&#34; Anderson said.</p>
<div class="lb-trans"><p>Mike Anderson 是一位咨询修理店、汽车制造商和消费者的顾问，他在 200 家汽车修理企业中看到这一趋势，这些企业共享信息。他表示，今年几乎 20% 的修理订单完全由客户支付，而不是由保险公司支付。这一比例从 2024 年的 12.7% 上升，三四年前为 7% 到 8%。&#34;在可预见的未来，客户自付将保持相当强劲，&#34;Anderson 说。</p>
</div><p>Here's one risk of customer pay: Some price-conscious drivers may be tempted to cut corners by buying parts that may be cheaper, but aren't as roadworthy. &#34;When paying out of pocket, they tend to want to price shop,&#34; and potentially look online to find replacement parts, said Anderson.</p>
<div class="lb-trans"><p>客户自付的一个风险是：一些注重价格的驾驶者可能会通过购买便宜但不够安全的零件来削减成本。&#34;在自付时，他们往往想要比价，&#34;并可能在线寻找替换零件，Anderson 说。</p>
</div><p>Another risk: Drivers skip the repair altogether. In some cases, a driver may regret not addressing their busted back-up camera or non-working lane change sensor if a crash happens, Anderson said.</p>
<div class="lb-trans"><p>另一个风险是：驾驶者完全跳过修理。在某些情况下，如果发生事故，驾驶者可能会后悔没有处理坏掉的倒车摄像头或失灵的变道传感器，Anderson 说。</p>
</div><p>The unaddressed damage shows when cars come in for other service, Schulenberg said. &#34;I think you are going to see more of that.&#34;</p>
<div class="lb-trans"><p>Schulenberg 表示，当汽车来进行其他服务时，未处理的损坏会显现出来。&#34;我认为你会看到更多这样的情况。&#34;</p>
</div><p>Mandell, at Mitchell International, has already had a personal, upfront look at the trade-offs drivers are making. Last year, a driver backed into his 12-year-old Yukon XL at a stop sign and drove off. Replacing the gouged front bumper was a $1,100 job and Mandell would've paid the first $500.</p>
<div class="lb-trans"><p>Mitchell International 的 Mandell 已经亲身体验了驾驶者所做的权衡。去年，一名驾驶者在停车标志处倒车撞上他的 12 年车龄的 Yukon XL 后逃离现场。更换被划伤的前保险杠需要 1,100 美元，而 Mandell 本来需要支付前 500 美元。</p>
</div><p>He was already bracing for a 25% premium increase because his teen son now has a learner's permit. Then another 25% increase when his son gets his license. So filing a claim for the bumper wasn't worth it, he said.</p>
<div class="lb-trans"><p>他已经在为 25% 的保费上涨做好准备，因为他的青少年儿子现在有了学习驾照。然后在他儿子获得驾照后又上涨 25%。所以，他认为为保险杠提出索赔不值得。</p>
</div><p>Though he did end up paying to fix the SUV's transmission, the front bumper doesn't look great, Mandell said. &#34;We chose to spend money to maintain the vehicle as opposed to cosmetics,&#34; he said.</p>
<div class="lb-trans"><p>尽管他最终支付了修理 SUV 变速箱的费用，但 Mandell 表示前保险杠看起来并不好。&#34;我们选择花钱维护车辆，而不是追求外观，&#34;他说。</p>
</div><p>There are more drivers on the road with no insurance - or too little</p>
<div class="lb-trans"><p>路上无保险或保险不足的驾驶者越来越多</p>
</div><p>It's not always a choice of insurance or no insurance. Increasingly, it's a matter of having too little coverage. In 2023, over one in six drivers, 18%, had too little insurance to cover the cost of damage, according to the Insurance Research Council. The rate has climbed since 2017.</p>
<div class="lb-trans"><p>这并不总是保险与不保险的选择。越来越多的是保险覆盖不足的问题。根据保险研究委员会的数据，2023 年，超过六分之一的驾驶者，即 18%，的保险不足以覆盖损害的费用。自 2017 年以来，这一比例有所上升。</p>
</div><p>Ann Baddour is the director of the Fair Financial Services Project at Texas Appleseed, a nonprofit organization focused on social, economic and racial justice issues in the Lone Star state. Baddour has watched Kelly's struggles to find coverage. She's investigated how there are more police tickets issued to drivers who lack auto coverage in Houston's lower-income ZIP codes. Rising premiums play into uninsured rates, she said.</p>
<div class="lb-trans"><p>Ann Baddour 是德克萨斯州 Appleseed 公平金融服务项目的主任，这是一个专注于社会、经济和种族正义问题的非营利组织。Baddour 观察到 Kelly 在寻找保险方面的挣扎。她调查发现，在休斯顿低收入邮政编码地区，缺乏汽车保险的驾驶者被开具的警察罚单越来越多。保费上涨加剧了无保险率，她说。</p>
</div><p>Yet other insurance practices - like using the driver's credit score to influence their premium price - worsen the problem, as she sees it. Insurers in most states, including Texas, allow auto insurers to consider credit scores in their coverage and pricing decisions.</p>
<div class="lb-trans"><p>然而，其他保险做法——例如使用驾驶者的信用评分来影响保费——使问题更加严重，Baddour 认为。在大多数州，包括德克萨斯州，保险公司允许汽车保险公司在其覆盖和定价决策中考虑信用评分。</p>
</div><p>&#34;It almost seems like there's a disconnect because we want people to have insurance, and yet it's being priced in a way that if a person stumbles they're creating such an obstacle to get back into the market,&#34; Baddour said.</p>
<div class="lb-trans"><p>&#34;这似乎有些脱节，因为我们希望人们有保险，但却以一种定价方式使得如果一个人跌倒，他们就很难重新进入市场，&#34;Baddour 说。</p>
</div><p>The riskiest bet drivers are making to save money: 'premium avoidance'</p>
<div class="lb-trans"><p>驾驶者为节省费用而做出的最冒险的选择：'规避保费'</p>
</div><p>While there are legitimate ways for drivers to shave their premium costs - like shopping around for a better policy - there are also illegal ways, like lying to insurance companies about important facts. That would include misleading the insurer about how much the person drives their car. Or where the car is parked at night. Or who is the real day-to-day driver.</p>
<div class="lb-trans"><p>虽然驾驶者有合法的方式来降低保费——例如寻找更好的保单——但也有非法的方式，比如对保险公司隐瞒重要事实。这包括误导保险公司关于个人驾驶汽车的频率，或汽车晚上停放的位置，或谁是真正的日常驾驶者。</p>
</div><p>This type of &#34;premium avoidance&#34; is on the rise, according to the National Insurance Crime Bureau, an insurance industry-funded nonprofit organization that works with law enforcement to fight fraud.</p>
<div class="lb-trans"><p>根据国家保险犯罪局的说法，这种&#34;规避保费&#34;的现象正在上升。该组织是一个由保险行业资助的非营利组织，与执法部门合作打击欺诈。</p>
</div><p>There was a &#34;steady increase in premium avoidance&#34; between 2010 and 2019, the organization said. It dropped off during the pandemic, when people drove less - and peaked again in 2024.</p>
<div class="lb-trans"><p>该组织表示，在 2010 年至 2019 年间，&#34;规避保费&#34;现象稳步上升。在疫情期间，由于人们驾驶减少，这一现象有所下降，并在 2024 年再次达到高峰。</p>
</div><p>&#34;It gets driven by economic issues. When people are struggling, they are looking for ways to save money&#34; said Jessica Rust, the organization's director of intelligence and analytics.</p>
<div class="lb-trans"><p>&#34;这受到经济问题的驱动。当人们面临困境时，他们会寻找节省开支的方法，&#34;该组织的情报与分析主任 Jessica Rust 说。</p>
</div><p>Insurers price fraud risks into their premiums, Rust said. &#34;We're all paying more to cover the fraud that occurs.&#34;</p>
<div class="lb-trans"><p>Rust 表示，保险公司将欺诈风险计入保费中。&#34;我们都在为发生的欺诈支付更多费用。&#34;</p>
</div><p>Some drivers' misrepresentations to their insurance companies may become law enforcement cases, Rust noted. In other instances, the carriers may cancel a person's coverage - and that would be a major red flag when the driver shops for future coverage. She wonders if people appreciate the risks.</p>
<div class="lb-trans"><p>Rust 指出，一些司机对其保险公司的虚假陈述可能会成为执法案件。在其他情况下，保险公司可能会取消某人的保险，这在司机未来寻找保险时将是一个重大警示信号。她想知道人们是否意识到这些风险。</p>
</div><p>Looking ahead, Rust is bracing for premium avoidance to stay elevated. &#34;I wouldn't expect it to drop off any time soon.&#34;</p>
<div class="lb-trans"><p>展望未来，Rust 预计保险费的规避行为将持续高企。&#34;我不认为这种情况会很快好转。&#34;</p>
</div><p>'Shaken confidence'</p>
<div class="lb-trans"><p>'动摇的信心'</p>
</div><p>Auto insurance is supposed to be a financial firewall when things go wrong on the road. By bearing more risk, consumers' trust may be getting tested - at a time when they really want to understand the value they're getting for their money.</p>
<div class="lb-trans"><p>汽车保险应该在路上出现问题时充当财务防火墙。由于承担更多风险，消费者的信任可能受到考验——而此时他们真的想了解自己为钱所获得的价值。</p>
</div><p>The rise of &#34;customer pay&#34; and out-of-pocket payments above a deductible can shake drivers' confidence, said Schulenberg, with the Society of Collision Repair Specialists. They may be caught between repair experts saying one thing and the insurer saying another. That casts doubt about what's the right thing to do throughout the entire repair process.</p>
<div class="lb-trans"><p>Schulenberg 表示，&#34;客户自付&#34;和超过免赔额的自费支付的增加可能会动摇司机的信心。他们可能会在修理专家的说法和保险公司的说法之间感到困惑。这使得整个修理过程中的正确做法产生了疑问。</p>
</div><p>It may also force drivers to ask a question, he added: &#34;Why am I obligated to pay for insurance if insurance isn't paying for me?&#34;</p>
<div class="lb-trans"><p>他补充道，这也可能迫使司机提出一个问题：&#34;如果保险公司不为我支付，为什么我还要支付保险？&#34;</p>
</div><p>What personal-finance issues would you like to see covered in MarketWatch? We would like to hear from readers about their financial decisions and money-related questions. You can write to us at readerstories@marketwatch.com. A reporter may be in touch to learn more. MarketWatch will not attribute your answers to you by name without your permission.</p>
<div class="lb-trans"><p>您希望在 MarketWatch 中看到哪些个人财务问题？我们希望听到读者关于他们财务决策和与金钱相关的问题的反馈。您可以通过 readerstories@marketwatch.com 与我们联系。记者可能会与您联系以了解更多信息。MarketWatch 不会在未经您许可的情况下将您的答案以姓名形式归属给您。</p>
</div><p>-Andrew Keshner</p>
<div class="lb-trans"><p>-Andrew Keshner</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>此内容由 MarketWatch 创建，MarketWatch 由道琼斯公司运营。MarketWatch 与道琼斯新闻通讯和《华尔街日报》独立出版。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（结束）道琼斯新闻通讯</p>
</div><p>12-23-25 1635ET</p>
<div class="lb-trans"><p>12-23-25 1635ET</p>
</div>

未投保司机增多，未修复损害增加：-2-