In the survey conducted by Nandu’s “Golden Car Marketâ€, 28% of the respondents stated that they have the lowest level of satisfaction with auto insurance in the auto consumption chain. The convenience of claims is not high, and the calculation of the rate can not be “rewarded and punishedâ€, and the insufficient amount of compensation is a place where car insurance is a criticism.
"No responsibility, no compensation."
The most popular topic in the automobile insurance industry in the near future is the discussion of the principle of “non-responsibility and no-complainanceâ€. The principle of compensation in the domestic insurance industry is “pay by liabilityâ€, that is, the insurance company’s compensation is the responsibility of the owner rather than the loss of the owner. This system has obvious loopholes. Recently, CCTV reported that many owners of “all risks†were purchased because The case of “no liability†in a traffic accident and the insurer’s refusal to pay compensation. This principle of “non-responsibility and no-complaining†has not only made some owners “big bosses†but also brought certain moral hazards. The reporter’s interview has learned that because the commercial automobile insurance follows the principle of “no liability and no compensationâ€, some owners are not responsible. In the event of a bilateral accident, in order to facilitate the settlement of claims and even require the traffic police to judge themselves fully responsible.
According to Feng Shifeng, a lawyer from Guangdong Anhua Lida Law Firm, it is not wrong for an insurance company to provide “no liability or no compensationâ€, which is in accordance with the basic principle of “who is in fault who bears responsibility†in the civil law. However, the CIRC should regulate the details of the “subrogation claims†system process, applicable standards, and claims procedures. Once owners of non-accounting vehicles can’t be compensated by a third party for various reasons, the owner can quickly obtain compensation from his insurance company, and then the insurance company subrogates. Pursue the loss of the owner without charge to a third party.
Major Incident "10 Losses and Nine Deficiency"
According to the dealers and consumers, there are not many disputes with clear responsibility and simple damages, but the big accidents still face the problem of “ten losses and nine shortagesâ€. Although the parties to the insurance contract are insured and the insurance company, the performance of the insurance contract involves 4S stores and other auto repairers. In the case of damages to major accidents, insurance companies and maintenance parties often have different opinions on the maintenance prices. In most cases, the insurance company’s approved fittings fees and working hours fees are lower than the repairer’s quotation, and the owners are treated as "Sandwich biscuits", if the insurance company and the dealers can not reach an unanimous opinion, the owner will have to pay for repairs.
In this case, the maintenance party will usually push the owner to the insurance company, but the insurance company's pricing is too low, or the car owners "Large opening", the owner does not have professional knowledge It is difficult to make a clear judgment. The emergence of such problems is mainly due to the current insurance industry does not have a sound valuation mechanism. According to industry insiders, if the China Insurance Regulatory Commission or the local insurance regulatory agencies can take the lead, the Insurance Industry Association and the Automobile Repair Industry Association will send representatives to form a car insurance loss assessment agency, hire insurance legal experts, legal experts on consumer protection, and auto industry assessment experts. Dealing with disputes in the auto insurance industry, then the difficulty of claims will be greatly eased.
The calculation of the rate cannot be "rewarded and punished"
According to China Insurance Regulatory Commission, the maximum discount for commercial vehicle insurance cannot exceed 70%. This means that if the vehicle is not out of danger for many consecutive years, the maximum discount the car owner can get is basically the same as that of customers who haven't been out for a year or two. This caused a lot of criticism in the actual operation, many owners with many years of good driving records think that there is unfairness, and called on the insurance company to change the current calculation method of auto insurance rates.
In this regard, Beijing has already issued the “Floating Plan for Commercial Vehicle Insurance Premium Rate in Beijingâ€. According to this regulation, if the vehicle is not in danger for 5 years, the commercial automobile insurance premium can be as low as 40%, and it can be 8 or more times a year. , premiums go up to 3 times.
Car insurance spending is always confused in auto insurance sales, claims and other links, insurance companies have almost all of the "speech right", all the "rules of the game" are developed by it, which makes consumer rights can not be effectively guaranteed.
In fact, the insurance payout methods and rates are all strictly verified by the actuaries. However, how does the insurance company's modification of the payment rules affect its operations? Should the premium be reduced while the profits increase? Insurance is not an ordinary commodity and needs to assume the obligation of spreading the risk for ordinary citizens. Therefore, China Insurance Regulatory Commission and other supervisory departments must carry out strong supervision and review, so that insurance companies can also fulfill their social responsibilities while obtaining profits. However, in actual operation, the supervisory departments did not play their due functions, which made consumers Become a vulnerable group in the auto insurance industry.
Telephone insurance harassed consumers. The issue was disturbed by the telemarketing business. The China Insurance Regulatory Commission had issued relevant notices clearly stipulating that insurers should have telemarketing dedicated call-out numbers, strictly manage outgoing phone calls, and set up special personnel. Regularly check the sales process and telephone records. Customers should be recorded for refusal to avoid nuisances to customers. However, this has not been well implemented in real life.
"No responsibility, no compensation."
The most popular topic in the automobile insurance industry in the near future is the discussion of the principle of “non-responsibility and no-complainanceâ€. The principle of compensation in the domestic insurance industry is “pay by liabilityâ€, that is, the insurance company’s compensation is the responsibility of the owner rather than the loss of the owner. This system has obvious loopholes. Recently, CCTV reported that many owners of “all risks†were purchased because The case of “no liability†in a traffic accident and the insurer’s refusal to pay compensation. This principle of “non-responsibility and no-complaining†has not only made some owners “big bosses†but also brought certain moral hazards. The reporter’s interview has learned that because the commercial automobile insurance follows the principle of “no liability and no compensationâ€, some owners are not responsible. In the event of a bilateral accident, in order to facilitate the settlement of claims and even require the traffic police to judge themselves fully responsible.
According to Feng Shifeng, a lawyer from Guangdong Anhua Lida Law Firm, it is not wrong for an insurance company to provide “no liability or no compensationâ€, which is in accordance with the basic principle of “who is in fault who bears responsibility†in the civil law. However, the CIRC should regulate the details of the “subrogation claims†system process, applicable standards, and claims procedures. Once owners of non-accounting vehicles can’t be compensated by a third party for various reasons, the owner can quickly obtain compensation from his insurance company, and then the insurance company subrogates. Pursue the loss of the owner without charge to a third party.
Major Incident "10 Losses and Nine Deficiency"
According to the dealers and consumers, there are not many disputes with clear responsibility and simple damages, but the big accidents still face the problem of “ten losses and nine shortagesâ€. Although the parties to the insurance contract are insured and the insurance company, the performance of the insurance contract involves 4S stores and other auto repairers. In the case of damages to major accidents, insurance companies and maintenance parties often have different opinions on the maintenance prices. In most cases, the insurance company’s approved fittings fees and working hours fees are lower than the repairer’s quotation, and the owners are treated as "Sandwich biscuits", if the insurance company and the dealers can not reach an unanimous opinion, the owner will have to pay for repairs.
In this case, the maintenance party will usually push the owner to the insurance company, but the insurance company's pricing is too low, or the car owners "Large opening", the owner does not have professional knowledge It is difficult to make a clear judgment. The emergence of such problems is mainly due to the current insurance industry does not have a sound valuation mechanism. According to industry insiders, if the China Insurance Regulatory Commission or the local insurance regulatory agencies can take the lead, the Insurance Industry Association and the Automobile Repair Industry Association will send representatives to form a car insurance loss assessment agency, hire insurance legal experts, legal experts on consumer protection, and auto industry assessment experts. Dealing with disputes in the auto insurance industry, then the difficulty of claims will be greatly eased.
The calculation of the rate cannot be "rewarded and punished"
According to China Insurance Regulatory Commission, the maximum discount for commercial vehicle insurance cannot exceed 70%. This means that if the vehicle is not out of danger for many consecutive years, the maximum discount the car owner can get is basically the same as that of customers who haven't been out for a year or two. This caused a lot of criticism in the actual operation, many owners with many years of good driving records think that there is unfairness, and called on the insurance company to change the current calculation method of auto insurance rates.
In this regard, Beijing has already issued the “Floating Plan for Commercial Vehicle Insurance Premium Rate in Beijingâ€. According to this regulation, if the vehicle is not in danger for 5 years, the commercial automobile insurance premium can be as low as 40%, and it can be 8 or more times a year. , premiums go up to 3 times.
Car insurance spending is always confused in auto insurance sales, claims and other links, insurance companies have almost all of the "speech right", all the "rules of the game" are developed by it, which makes consumer rights can not be effectively guaranteed.
In fact, the insurance payout methods and rates are all strictly verified by the actuaries. However, how does the insurance company's modification of the payment rules affect its operations? Should the premium be reduced while the profits increase? Insurance is not an ordinary commodity and needs to assume the obligation of spreading the risk for ordinary citizens. Therefore, China Insurance Regulatory Commission and other supervisory departments must carry out strong supervision and review, so that insurance companies can also fulfill their social responsibilities while obtaining profits. However, in actual operation, the supervisory departments did not play their due functions, which made consumers Become a vulnerable group in the auto insurance industry.
Telephone insurance harassed consumers. The issue was disturbed by the telemarketing business. The China Insurance Regulatory Commission had issued relevant notices clearly stipulating that insurers should have telemarketing dedicated call-out numbers, strictly manage outgoing phone calls, and set up special personnel. Regularly check the sales process and telephone records. Customers should be recorded for refusal to avoid nuisances to customers. However, this has not been well implemented in real life.
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