紧凑型汽车在印第安人保险索赔中占主导地位,维修成本高,城市事故率高。 Compact cars dominate Indian insurance claims, with high repair costs and urban accident rates.

紧凑汽车和SUV车占印度机动车保险报销的75%左右,由于城市驾驶密度,紧凑汽车占44%。 Compact cars and SUVs account for about 75% of motor insurance claims in India, with compact cars leading at 44% due to urban driving density. 小型汽车的平均修理费用为21 084荷兰克朗,SUV的平均修理费用为29 032土耳其克朗。 Average repair costs are ₹21,084 for compact cars and ₹29,032 for SUVs. 电动车辆虽然只占索赔总数的1%,但修理费用最高,为39 021新西兰镑,索赔频率为29%。 Electric vehicles, though making up only 1% of claims, have the highest repair costs at ₹39,021 and a 29% claim frequency. 勒克瑙的索偿率最高,为17%,而NCR地区则有最高修理费,Noida为25,157。 Lucknow has the highest claim rate at 17%, and the NCR region sees top repair expenses, with Noida at ₹25,157. 自毁索赔占95%,大多数为轻微事故。 Own-damage claims dominate at 95%, mostly minor accidents. 汽油车以68%的理赔率领先，三年车龄以下车辆的严重程度最高，达28,310卢比。 Petrol vehicles lead with 68% of claims, and vehicles under three years old show the highest severity at ₹28,310. 多数索赔人有选择地提交索赔,以保留 " 无索赔奖金 " 。 Most claimants file selectively to preserve No Claim Bonus.