For an insured who has no record of causing an accident in the previous year, the rate level of the current year of insuring is the rate level of the previous year minus one level.
For insured persons who have no record of accidents in the previous year, the annual rate level for the year covered is reduced by one level for the previous year's rate level.
For the insured who has no accident record in the previous year, the rate grade of the current year is the rate grade of the previous year minus one grade.<br>