Commercial vehicle insurance but also "changed face." Recently, the China Insurance Regulatory Commission announced a new version of 07 commercial vehicle insurance (A, B, C), the upgrading of the original commercial vehicle insurance. Dao Qiangxian become the focus of attention of the new motor, as it became the main danger. At the same time, A, B, vehicle insurance and also provides that "the driver drinking, smoking or injecting drugs, after the use of narcotic drugs were insured vehicle" exemption clause.
TAC-risk insurance after the implementation of the original commercial vehicle insurance have been substantial changes, they are now once again modified vehicle insurance provisions, so that people can not help but doubt the new motor vehicle owners
Premiums paid by the impact, claims the rules will change »
Diuju claims do not drink much attention
It is learnt that the 06 sections of commercial vehicle insurance in the version, A, will Daoqiang Xian as additional insurance, and B, C of the two commercial vehicle insurance can be purchased separately Daoqiang Xian. However, 07 commercial vehicle insurance will Dao Qiangxian unified set risk-based. He explained that the auto insurance experts, mainly in comparison to circumvent the owner of three commercial vehicle insurance provisions triggered by misunderstandings, some owners found the same Daoqiang Xian, in different commercial vehicle insurance, in a different position, this heart will Mihu Daoqiang Xian is not important-while a small number of owners thought that the Dao Qiangxian included in the main insurance, the insurance companies to promote sales as a means of Daoqiang Xian. Dao Qiangxian unified now transferred the main risk, as long as the owners of on-demand to buy on line, do not need to worry.
At the same time I found Daoqiang Xian increase in the exemption clause in the terms of an eye-catching, that is, if the owners of drinking, smoking or injecting drugs, narcotic drugs, used by vehicles stolen, unfortunately, the insurance company will not be adjustments. B version of the original 06 Daoqiang Xian, the main risk is not this requirement. And Mr. Chen believes that this is the original commercial vehicle Daoqiang Xian to add. In cross-risk prior to the implementation of drunken Diuju Dao Qiangxian not belong to the scope of claims, now 07 version of commercial vehicle insurance only cover gaps, so that claims more specific terms.
However, the terms of a just come out, the owner has . Mr. Liu, a doubt that if one day he unfortunately drunk, they stopped the car outside the home play, the next day he found a stolen car, should insurance companies have to drink to lose To the ground, not to claim? » In fact, stolen cars are usually left, the public security departments will be on file for investigation and identification of the accident, if the insurance company that is leading to drunken owners of the direct cause of stolen vehicles, insurance companies will not make adjustments, as Mr. Liu assumed this , Auto theft is not caused by drunken owners, insurance companies will be in accordance with the terms of compensation.
Renewal for "rules"
Since the implementation of cross-risk insurance, many owners argued that auto insurance premiums up, the harsh conditions for renewal, but some auto insurance companies in order to quality for tourists, usually in the renewal of concessions to new tactics, vehicle insurance Renewal of competition-level missing.
New commercial vehicle insurance renewal of the preferential terms will become more unified. For example, "no claims discount" will be divided into five times in the previous year and claims more than five times, four times a compensation award three times, new security or three times a year in compensation following a year without compensation, for two consecutive years without compensation, for Three years and more than three years without compensation, and other seven grades, the premium for the corresponding factor into 1.3,1.2,1.1,1,0.9,0.8,0.7, such as seven grades. So owners will be able to rule-based, calculate the renewal premium will increase or decrease in the number of money.
At the same time, individual car insurance companies are based on the extent of the use of different premium concessions. If the vehicle insured less than the average annual mileage of 30,000 km, owners can enjoy renewal at the 10% discount if the annual average vehicle travelling at 50,000 km, renewal premiums to increase by 10 percent to 30 percent, after all, cars on the road On the longer Chuxian the greater the probability factor if the owners last year, no traffic offence records, the premium also enjoy a 10% discount; In addition, the introduction of auto insurance companies calculate Xinjiuchengdu the terms of renewal premiums, the age longer , The excessive use of the old equipment to vehicles, with a particular special vehicle accident risk premiums are up 30% -100%. As for the standard car Xinjiuchengdu how to determine, A, and B, according to Che Sunxian premiums are divided into the age of 1 year, 1-2, 2-6, over six years and four grades, based on premiums and Rates are the same; C, Che Sunxian premiums according to the age of 1 year, 1-4, 4-6, 6-8 in eight years and more than five grades.
Additional risk regression line
06 face additional risk auto insurance business version of the terms "Hundred Flowers Zhengyan" situation, the new motor the first unified common norms of the additional insurance, for car owners to buy additional insurance. It is learnt that, A product of the additional personnel on board including the risk liability insurance, Daoqiang Xian, broken glass separate insurance, body scratches loss insurance, optional deductible special provisions, non-Mian Peishuai special provisions. B, of the additional insurance products, including broken glass separate insurance, body scratches loss insurance, basic insurance does not include special provisions Mianpei Shuai. C of the additional insurance products, including broken glass separate insurance, a separate body paint injury insurance, and set up a special vehicle loss deductible insurance terms and basic non-Mianpei special provisions. Three new additional types of motor almost identical, while the insurance claims of responsibility and exemption clauses are quite consistent.
"In fact, the reunification of the vehicle insurance provisions, readers seem more convenient more peace of mind. Ago auto insurance provisions and look forward, some owners thought that the insurance company in terms of vehicle insurance claims, some hidden difficulties. Insurance companies can now also has his innocence." Nie, a senior auto insurance experts said, "More importantly, the three new commercial vehicle insurance provisions tend to reunification, the three auto insurance premiums is also very close, then the insurance company will pay more attention to efficiency and development of vehicle insurance claims Value-added services, vehicle insurance healthy competition. "
Vehicle Insurance story
How can the impact area auto claims discount »
"I stop the car in the area when Pishui I do not know the impact, the insurance company has a 30 percent deduction of the vehicle. I Xianglaixiangqu, is no less than swallow this tone." Telephone, Zhao said angrily, "the perpetrators fled , May be the fault of insurance companies he imposed on me, I deduction of the vehicle, which is unreasonable. "
In fact, Mr. Zhao car parking spaces in the parking area, I do not know Beishui damaged, can be when he found a car accident, not long ago who damaged his car. So he made a report on the claims, but was nearly 2,000 yuan vehicle, received only 1,400 yuan. The reason given is that insurance companies can not find the owners of the accident the accident, insurance companies, withholding 30 percent of the vehicle.
"The statement by the insurance company, after the incident found that owners of crashes Yaopei lot of money, as long as one of the wandering, claims responsibility for their own escape, leaving the owners of the victims are not fully claim. Anyway, the insurance company can pay a lot less money, To encourage owners of the accident is not proof in disguise? »" Mr. Zhao still in doubt Qihu Hu said, "like the car park was damaged, the owners are innocent victims, I can not mention the incident in time to seize the owners, insurance companies do not have to look for Deducted from the ground to a third party vehicle accident, is the irregularities. Insurance companies should at least make a fair basis of objective accident claims, I think incidents like this on the full settlement. "
Claims discount because circumvent the "moral hazard"
But when the author will be relayed to the views of Mr. Zhao claims experts, he can not find that insurance companies should be in accordance with the third party claim the standard accidents, Zhao corresponding pay claims. If the owners did not escape the incident, Mr. Zhao vehicle costs should bear the insurance company owners from the accident claims, when the owners fled after the incident, Mr. Zhao's insurance companies have to bear, this vehicle. Therefore, Mr. Zhao's insurance company is "a loss", spending more than a sum of claims.
Mr. Zhao still be very angry, in his view the scene of the accident confirmed that traces of this is a two-car collision accident, he was not responsible for the accident, should receive full settlement. The reality is he can only get 70 percent of the vehicle, equally suffer. The detention of the vehicle, whether to whoever it »
But experts to answer claims that, like Mr. Zhao such incidents if a full settlement on the unconscionable. If the two-car collision, police and insurance companies will often hear both sides of the owners of the accident described the process, if only by virtue of a single insurance company owners description of the parties responsible for the accident on the judgement, unfair to lose. After all, a very small number of owners to mitigate their own parties responsible for the accident, some fictitious or deliberately fabricated the cause of the accident during the accident, more claims.
The reason that no third party insurance companies to deduct 30 percent of accident claims is the result of both incidents are under an obligation to protect owners of the scene of the accident, but an owner without escape, the police deliberately did not meet with members of the damage found responsible for the accident, The claims process are flawed, the main vehicle for the corresponding responsibility. Otherwise, such incidents in full settlement, afraid of a few owners simply let the incident owners, their full enjoyment of the process to fabricate the accident claims.
Mr. Zhao Yi Leng, Kuxiao and said: "I can clearly in the car when the impact of the berth area, I Youmei Maoni on what was purely innocent victims owners, insurance companies can not , but should be based on facts , As appropriate, give me a full settlement. "
But so far, insurance companies or Jianchijijian, Mr. Zhao is no choice but to the view that since the owners fled the accident, his insurance company to a Duotao claims, the victims can not be full owners of claims, the cheaper the incident is only the owners and their insurance Insurance companies. Is the insurance company will not be able to view this phenomenon to the innocent victims of the owners? Satisfied with the settlement programme »
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