Car insurance two months Chuxian eight insurance companies proposed surrender

Car insurance only two months, Chuxian of eight times. Yesterday, the opening of the three cars on the Fuzhou Miss Yan received a phone insurance company, said insurance companies are willing to refund the remaining 10 months of premiums in the hope of early end of the contractual relationship, but also suggested that she surrender.

Miss Yan is October 13 last year, get driver's licenses, in December last year, she bought a second-hand the Elantra. Later, she bought an insurance company in 2727 yuan of commercial insurance.

Miss Yan, who lives in her Wuyi oasis in the overhead of a parking space. Because of parking spaces for a channel slope, channel or a right handers, one on each side drains, and often there are other owners of the cars parked in adjacent spaces. Poor driving skills of her Buliu Shen, or hit the front of the drains, or else the door wiping someone else's car, "Chuxian eight, five of which are planted in the parking spaces on their own."

Miss Yan said, "I feel very aggrieved", some are scraping the small incidents, each insurance company paid the amount is not high, "insurance companies no reason to unilaterally terminate the contract."

Subsequently, this reporter contacted the insurance companies. The Department of Personnel Administration Guojing Li said, they did propose Miss Yan surrender. He said that she did too much of the Chuxian, two months Chuxian eight were paid 4,870 yuan, almost set a company record, while not insured that she is malicious, but at least that her driving technique, however clearance.

"Now there are many novice, that the insured after the accident all insurance companies will bear the risks, off guard." Guojing Li said that the effect of the social safety hidden dangers, the proposed surrender is actually sounded for her The alarm, urging her improve driving skills.

At the same time, reporters from several major insurance companies in Fuzhou that, at present, Chuxian too much ground to the proposed surrender of a common occurrence, and Fuzhou, the insurance company has been established between the information-sharing platform, users are advised surrender They will particularly sensitive.

Some people think that, based on "contract", since the two sides signed the contract, the contract did not expire, insurance companies can not unilaterally request rescission. In response, the financial department of Xiamen University, specializing in insurance studies teacher Hsu said, insurance companies, it is legal.

According to the "Insurance Law", a part of the subject matter insured losses in the insurance compensation within 30 days after, the insured can terminate the contract; addition to the contract may not terminate the contract, the insurance would be able to terminate the contract. Terminate the contract of insurance, policyholders should be informed in advance on the 15th, and the subject matter insured losses were not part of the insurance, liability insurance deduction since the start of the day until the date of termination of the contract during part of the receivable, insurance refunds People.

She explained that the insurance industry itself unique, its reference to the contract, "Insurance Law", but not all of the insurance contract can be unilaterally terminated, such as life insurance and cargo insurance, etc., but the motor is a special case.