Vehicle insurance is 500 yuan less than Mianpei matter how

Min-HS: the "deductible" is the international practice
Recently, some media have reported the new car insurance, Fuzhou, 500 yuan less than Mianpei problems. Vehicle Insurance 500 yuan less than in the end is how the case Mianpei » Fujian Association Secretariat is responsible for the insurance industry recently interviewed by reporters.
Fujian insurance trade associations Secretariat official said, deductible (excess) settings, the international insurance industry practices, the purpose is to remind the insured safety and reduce accident insurance, save social resources and reduce Social costs and promote social harmony and stability. Therefore, the deductible in terms of property, health and auto insurance to be widely used. Set deductible, the insurance company is developed Western countries, accumulated through long-term practice of a practice, is widely used and was proven to be effective. On vehicle insurance, most insurance companies use our province Che Sunxian Mianpei 500 yuan less than the optional practice, to reduce the occurrence of the accident has played an important role. Set of deductibles, for driving skills, and strong safety awareness of the insured is quite favorable, could reduce the premium expenses. The higher the deductible, corresponding to pay the premium the less. According to the provisions of the insurance, auto insurance clean (no Chuxian) policies, they can enjoy non-renewal compensation concessions: no compensation for the previous year 10 per cent, for two consecutive years for 20 per cent for three consecutive years for 30 per cent. If there is no choice of deductibles, not only have to pay that premium, but the event of a small scratch even a small collision, all without compensation for incentives will be abolished, in two or more times to raise insurance claims charges. 500 yuan less than the deductible own, the vast majority of insurance consumers, often at affordable levels, the exchange is that Shaojiao premiums, at the renewal of insurance claims in the case of enjoyment without compensation Concessions. Moreover, the insurance companies currently in place in our province's 500 yuan optional deductible is only for Ju Sunxian (the trucks loss) settings, if consumers in other losses, such as third party liability, under no 500 Yuan deductible. In short, what to do better, according to its own customers can decide whether or not the actual situation of choice of deductibles, believe that consumers eventually will have their own judgement.
The responsible person said, setting the maximum deductible is saving social resources. From the consumer's point of view, the choice of insurance companies through a deductible of consumers to reduce the practice of insurance charges, insurance premiums will be part of the Small left to cope with the loss of consumers, allows consumers in the event of small losses , And free from the crowded scene of the accident waiting for the insurance company survey, but also for insurance claims do not have to spend time and energy. From the perspective of insurance companies, when the settlement was a lot of resources no longer occupied by the small payments, auto insurance services will certainly be conducive to the rational allocation of resources is conducive to raising the level of service insurance companies; order to safeguard the public transport Point of view, a "small scratch on the touch" to the owners of the immediate withdrawal of the scene of the accident is conducive to the smooth flow of public road transport, promoting the building of a harmonious society is of positive significance.
Fujian insurance trade association head of the secretariat said in conclusion that China's insurance industry currently still in the initial stage of development, people's insurance awareness to be constantly improving, this is a step-by-step process. Take insurance companies to implement deductible why such problems, because not enough universal insurance knowledge, coupled with the earlier some insurance staff method is simple, given the misunderstanding and even produce, its lesson is profound. Association on various aspects of the criticism expressed his heartfelt thanks to these criticisms to help improve our work. At present, the insurance companies have to rectification. On the one hand, strict implementation of insurance terms, on the other, to make universal social insurance knowledge publicity. As vehicle insurance provisions set is the "optional Mianpei" Therefore, although insurance companies can choose Mianpei to consumers on the benefits, but must respect the free choice of consumers, not to set any artificial obstacles, otherwise, consumers The right to the insurance regulatory authorities or insurance trade association report, welcomed the community supervision