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The car price cuts have intensified this year, and the auto insurance market has also changed frequently. Some car owners should feel quite certain about this. From last year, the insurance companies launched their own unique products, and then increased the private car insurance threshold. As soon as May 1st this year, the insurance auto insurance's judgment standards and auto insurance prices have all changed. The price of auto insurance increased quietly. When the auto insurance rate reform began at the beginning of last year, various insurance companies rushed to criticize the “price cuts by tens of percents.†In contrast, the price increase of auto insurance this year appears to be silent. Recently, PICC adjusted its own auto insurance price for the second time this year. The price of car damage insurance has been raised by three levels, with an increase of 30%. At the end of December last year, PICC had just adjusted the insurance premium rates for private cars, office vehicles, and commercial vehicles, and increased the insurance premiums for vehicles that are often in danger by more than 5%. In addition to PICC, in early March, Ping An Property & Casualty Insurance Co., Ltd. also increased Santana, Audi, Passat, and recently popular new models such as Polaris and POLO models in the new automobile insurance clauses of the 2004 edition. Vehicle premiums rose. In contrast, Pacific and Huatai Motor Car Insurance prices have remained “for a hundred yearsâ€. According to the market, the original higher-priced Pacific auto insurance has now become the lowest auto insurance category on the market. If you take a car with a purchase price of 150,000 yuan as an example, when you first apply for insurance, you choose vehicle damage insurance, 100,000 third-party liability insurance, stolen emergency insurance, vehicle liability insurance, and excluding insurance coverage. Yuan, if there is no risk for a year, enjoy a 15% discount, then the premium for the second year renewal insurance is 4597 yuan. The three old insurance policies become a tasteless problem. It is understood that the original three-responsibility insurance is calculated in accordance with the compensation standards stipulated in the third party liability insurance contract itself. After the implementation of the "Judicial Interpretation of Personal Indemnity," it not only expands the three. The scope of insurance coverage also increased the level of compensation. In Beijing, if a car accident caused by an insured vehicle prior to May 31 caused the death of a third party, the compensation for the death of the urban resident shall be calculated and calculated in accordance with the average living expenses of Beijing. The amount of one year's compensation shall be 11,123.8 yuan, and the period of compensation shall be 10 years. Items to be compensated for 111.238 million yuan. After May 1st, if such an accident occurs, the compensation standard shall be calculated based on the per capita disposable income of urban residents in the previous year. In 2003, the figure released by the Beijing Municipal Bureau of Statistics was 138.826 million yuan, and the compensation period was extended to 20 years. The responsible party would have to pay 277.652 million yuan. From the above calculations, it can be seen that the difference between the pre- and post-compensation standards is 166,144,000 yuan. In the face of the conflict between the new regulations and the old laws, the biggest contradiction faced by insurance companies is how to handle the "old" policy of the standard of compensation before May 1. Regulatory authorities stated that policyholders can change insurance contracts on the basis of paying premiums. However, there are different reflections of property insurance companies on new compensation standards. The insurance companies with large market shares are all silent, but some small insurance companies are actively calling for policyholders to change their insurance contracts. Professor Hao Yansu of the Central University of Finance and Economics pokes the key to the problem. He said that the key to the problem lies in the general lack of coverage of the three insurance. Hao Yansu believes that relevant state agencies should expedite the introduction of compulsory liability insurance for the three parties. Once compulsory three-party liability insurance regulations are introduced, uniform terms, flat rates, and uniform prices will be implemented, and CIRC will characterize them as “non-profitable†types of insurance. , companies can not refuse to protect. When the owner wants to protect his own rights, he can combine mandatory three-party insurance with commercial three-party insurance, which is sufficient to deal with possible risks. (Qiu Zhaoyan) Source: Beijing Entertainment News
The price of car diving is getting worse and the price of auto insurance is increasing quietly
The car price cuts have intensified this year, and the auto insurance market has also changed frequently. Some car owners should feel quite certain about this. From last year, the insurance companies launched their own unique products, and then increased the private car insurance threshold. As soon as May 1st this year, the insurance auto insurance's judgment standards and auto insurance prices have all changed. The price of auto insurance increased quietly. When the auto insurance rate reform began at the beginning of last year, various insurance companies rushed to criticize the “price cuts by tens of percents.†In contrast, the price increase of auto insurance this year appears to be silent. Recently, PICC adjusted its own auto insurance price for the second time this year. The price of car damage insurance has been raised by three levels, with an increase of 30%. At the end of December last year, PICC had just adjusted the insurance premium rates for private cars, office vehicles, and commercial vehicles, and increased the insurance premiums for vehicles that are often in danger by more than 5%. In addition to PICC, in early March, Ping An Property & Casualty Insurance Co., Ltd. also increased Santana, Audi, Passat, and recently popular new models such as Polaris and POLO models in the new automobile insurance clauses of the 2004 edition. Vehicle premiums rose. In contrast, Pacific and Huatai Motor Car Insurance prices have remained “for a hundred yearsâ€. According to the market, the original higher-priced Pacific auto insurance has now become the lowest auto insurance category on the market. If you take a car with a purchase price of 150,000 yuan as an example, when you first apply for insurance, you choose vehicle damage insurance, 100,000 third-party liability insurance, stolen emergency insurance, vehicle liability insurance, and excluding insurance coverage. Yuan, if there is no risk for a year, enjoy a 15% discount, then the premium for the second year renewal insurance is 4597 yuan. The three old insurance policies become a tasteless problem. It is understood that the original three-responsibility insurance is calculated in accordance with the compensation standards stipulated in the third party liability insurance contract itself. After the implementation of the "Judicial Interpretation of Personal Indemnity," it not only expands the three. The scope of insurance coverage also increased the level of compensation. In Beijing, if a car accident caused by an insured vehicle prior to May 31 caused the death of a third party, the compensation for the death of the urban resident shall be calculated and calculated in accordance with the average living expenses of Beijing. The amount of one year's compensation shall be 11,123.8 yuan, and the period of compensation shall be 10 years. Items to be compensated for 111.238 million yuan. After May 1st, if such an accident occurs, the compensation standard shall be calculated based on the per capita disposable income of urban residents in the previous year. In 2003, the figure released by the Beijing Municipal Bureau of Statistics was 138.826 million yuan, and the compensation period was extended to 20 years. The responsible party would have to pay 277.652 million yuan. From the above calculations, it can be seen that the difference between the pre- and post-compensation standards is 166,144,000 yuan. In the face of the conflict between the new regulations and the old laws, the biggest contradiction faced by insurance companies is how to handle the "old" policy of the standard of compensation before May 1. Regulatory authorities stated that policyholders can change insurance contracts on the basis of paying premiums. However, there are different reflections of property insurance companies on new compensation standards. The insurance companies with large market shares are all silent, but some small insurance companies are actively calling for policyholders to change their insurance contracts. Professor Hao Yansu of the Central University of Finance and Economics pokes the key to the problem. He said that the key to the problem lies in the general lack of coverage of the three insurance. Hao Yansu believes that relevant state agencies should expedite the introduction of compulsory liability insurance for the three parties. Once compulsory three-party liability insurance regulations are introduced, uniform terms, flat rates, and uniform prices will be implemented, and CIRC will characterize them as “non-profitable†types of insurance. , companies can not refuse to protect. When the owner wants to protect his own rights, he can combine mandatory three-party insurance with commercial three-party insurance, which is sufficient to deal with possible risks. (Qiu Zhaoyan) Source: Beijing Entertainment News