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Car insurance "high definition low pay" traffic light new insurance rules ready

"Without accountability deductibles", "high low pay", specify maintenance and other insurance provisions of the King are expected to be abolished. Following the China insurance regulatory Commission issued the day before yesterday after the Guide to motor vehicle insurance claim management, news that the provisions on strengthening commercial motor vehicles insurance rates management notice is expected to be formally introduced in March 15, according to industry estimates, the real implementation will begin in the fourth quarter of this year.

"without accountability is not lost," or to be abolished

"the case of playback"

in June last year, Wang was driving collided with a Tianjin Daihatsu, his car damaged 9800 Yuan, and the other loss of only 700 Yuan. After police found themselves without accountability, each other fully. But the other car insurance insurance apart from paying the insurance after paying 2000 Yuan limit, Ms Wang repair parts only of the remaining losses by the other pocket.

"the industry"

current auto insurance articles, most insurance companies specified that "according to the proportion of accidents", determine the compensation ratio was "without accountability is not lost." Industry analyst who declined to be named, CDW cover accidents resulting in loss of vehicles. Theoretical analysis on the premise of full insurance coverage, insurance company should pay in full after the accident, and no necessary connection of responsibility.

"new interpretation"

the new rules "cancellation on the basis of accident liability insurance responsibility", while provisions, caused by the damage of motor vehicle third-party insurance the insured, the insurance company paid, exercise of the right of subrogation. New regulatory amendment, the owner brings positive. At that time, with or without responsibility, the owner can claim directly to the insurance company.

"high low pay" to "real real pay"

"the case of playback"

he spent 50,000 yuan in the used car market in early 2010 to buy a 50% the New Passat, but the insurance company based on the model of the market price of 180,000 yuan requirements cover the Sun. Mr son six months after the accident, maintenance needs of 30,000 yuan, the insurance company was informed only by the Sun claims the buying price, can lose no more than 25,000.

"the industry"

in fact, under the existing insurance provisions: both vehicles old and new, CDW is in accordance with the "new car purchase price" to determine the amount, and when the actual payment, partial loss in accordance with the "new car purchase price" Foundation treatment methods of compensation, and total losses in accordance with the "actual value" of compensation. The so-called "high definition low pay" was seen as against the interests of the insured.

"new interpretation"

new rules on insurance was launched, the "high definition low pay" will become the "real real pay". According to relevant regulations, vehicles real value of CDW full insurance found that actual payment ceilings for the actual value. This means that the compensation becomes a solid real pay. In addition, the new rules removed more than 10 articles Disclaimer, simplified claim information, optimize the clauses.

maintenance unit shall not restrict customer choice

"the case of playback"

Mr LI's car had a chance last year, after a report claims adjusters to photographing the scene of nuclear damage. Lee is a Faw plant nearby patrons, he intends to repair the car still went there, but adjusters say, it is best to go to the insurance company designated by maintenance, they United settle with garage repairs, or sign a tips issued by insurance companies, clearly states that "owners asking for repair shop."

"the industry"

in insurance practice operation in the, insurance company General will in customer danger Hou specified its to a a place of garage for repair, and if owners himself select garage or to 4S shop for repair, and in this situation Xia if repair costs Shang produced post, if owners no purchase specified garage special insurance (or said 4S shop specializing in insurance), that means with post to owners himself bear.

"new interpretation"

under the new rules, insurance companies should ensure that customer's right freely to choose maintenance unit, shall not be mandatory specified in disguise, coerce their maintenance units. Use certified by the relevant departments to supervise maintenance units production, conforming to the original specifications and accessories performance standards, quality accessories for maintenance, assisting customers to track maintenance quality and progress. Meanwhile, the company also reported price management system should be developed.

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