Automobile insurance and third party liability insurance regulations and fee standards

Automobile insurance and third party liability insurance regulations and fee standards

　　
Moderator: since April 1, 2004 the "Shanghai City motor vehicle joint information platform" was officially opened in Shanghai administrative area, since the China and uniform implementation of the China Insurance Regulatory Commission approved the "Shanghai City motor vehicle third party liability insurance clauses and premium", click the query in 2004 4-12 month Shanghai City motor vehicle joint information platform has amounted to 2234000 second, through a single 973000 platform. Among them, the policy rate downward float of 530200, accounting for 54.5%;
346800 there is no change in policy rates, accounted for 35.6%;
Insurance rates go up 96500, accounting for 9.9%.
FAQ three insurance rates have records that can be referred to
Citizens Mr. Yang's Insurance date is March 28, 2004, just no end of the shuttle to catch up with the policy. Because since last April 1st, relating to the motor vehicle third party liability insurance of insurance or renewal of new business, the insurance company insurance business system began to practice docking joint information platform, and the uniform implementation of "motor vehicle liability insurance clauses and premium rate" of three, the motor vehicle third party liability insurance rates and traffic safety situation, insurance accident and traffic violation record hook floating. The motor vehicle third party liability insurance clauses and premium rates to stop using. The three face so now intend to renewal of Mr. Yang's insurance price adjustment is not recent, but began in April 1st last year.
Since the premium increase, Mr. Yang questioned the rationality, in fact Shanghai as the pilot city of three party insurance network, has taken the lead in the unification of the three party insurance rates, in other words, at present in Shanghai any insurance company for motor vehicle three party liability insurance, the price is the same.
For different individuals, who later in April 1, 2004, insured for renewal to the insurance company, has the insured vehicle last year, traffic violations and insurance claims records, as floating premium basis. Mr. Yang objection to their rate adjustment, but the insurance company query "Shanghai City motor vehicle joint information platform", print a copy of "Shanghai City motor vehicle third party liability insurance premium rates notice".
Notice the insured vehicle records in the past year in traffic accidents and insurance claims, as well as the benchmark premium and rate after the float of the insured amount. If there are objections to the records of the insured and the insurance amount of traffic violations, can Traffic and Patrol Police Corps, Shanghai City Public Security Bureau to the insurance company or related queries, and provide relevant evidence required to change. The accepting department and unit queries, such as error is found, will be corrected.
When customers buy insurance, the insurance company must in this platform, enter the license plate number, engine number, chassis number, vehicle use, third party liability insurance and other parameters, the query result is "Shanghai City motor vehicle third party liability insurance rate floating to test", to determine the should pay the premium according to the vehicle characteristics, insurance coverage, the number of traffic violations, claim number, if the insured confirmation, according to this rate generation policy.
As for Mr. Yang said in April 1st this year, the imminent implementation of the compulsory insurance, but not with his current insurance business insurance contradictions. The third party liability insurance is a commercial insurance, the insurance contract to determine the relationship between the two sides. The motor vehicle third party liability compulsory insurance is compulsory insurance provided by the state. In April 1st before the implementation of the "Regulations" in the third party liability insurance, in the "Regulations" after the implementation is still in the insurance period of motor vehicles, 40000 yuan of which is automatically converted to compulsory insurance, more than 40000 yuan is for commercial insurance.
Track three insurance of insurance premium rate preexistence
In the past, the motor vehicle third party liability insurance practices are no difference in rates, that is to say, no matter how the traffic safety situation, vehicles and drivers of insurance claims records, the insurance premium is the same. This leads to many drivers do not care for some small illegal behavior, after the accident is not worried, think anyway, insurance claims, which is also an important cause of traffic accidents resulting in high.
"Motor vehicle liability insurance clauses and premium rate three" road safety and premium hook, from the economic constraints of the driver behavior.
The new regulations, in the duration of the contract of insurance, motor vehicle regardless of who is driving, as long as there is no traffic violation and insurance claims records, next year's premium will decrease; on the contrary, next year's premium will rise.
It is worth to note is, drunk driving, traffic signal indication, reverse driving, speeding, driving without a license, vehicle safety device does not meet the requirements, illegal overloading seven behaviors were classified as serious traffic violations, if any one behavior at a time, the third party liability insurance rates will be increased the 15% to 25% range; and general traffic illegal behavior more than ten times, the renewal premium will rise 15%.
At the same time, the new fee system for compliance, no claims records of the drivers will also be reduced fee awards, highest can enjoy the cost driver fell 40%.
Focus on maximizing fairness
From the 2004 Shanghai auto insurance business level, which is lower than the national average level of 21 percentage points, this also means that the non life insurance business in Shanghai is better than the national average level, the joint information platform play too.
The insurance industry data sharing platform foundation is a by the Shanghai municipal public security Traffic and Patrol Police Corps and insurance companies with database, which records the claim information and Shanghai City motor vehicle third vehicle and driver information, vehicle information, the insurance company liability insurance of a single, correcting, surrender the four part information. Traffic and patrol police responsible for the traffic violation record driver input network, computer system, the insurance company is responsible for the claims records sent timely to the database, ensure the timeliness and accuracy of information platform database.
Shanghai took the lead in realizing the motor vehicle three party status, insurance rates and traffic safety violations of laws and regulations, insurance accident record hook floating. Owners will be fully responsible for their own driving behaviour, by the security records to determine their annual premium rates, the pinning mechanism from the micro perspective is each insured in insurance companies when the economic justice; a macro sense, in the city traffic management level, in the treatment of the relationship between pedestrians and drivers last, urge drivers to comply with traffic regulations, constraint mechanism that can also be said to be the more generalized fairness.
United Information Platform in addition to the insurance function of social management, and has accumulated a large amount of data for the three party insurance ratemaking, cooperative management city insurance companies and government agencies, to achieve a good example of mutual win. But the motor vehicle third party liability insurance premium and insurance accidents and traffic violations recorded hook system is only a means, the key is to establish "Paidu Paul Cheong" a long-term management mechanism, improve the social awareness of traffic safety, reduce traffic accidents, safeguard the vital interests of the people of Shanghai.
To solve the rate of malignant price competition
In April 1st, which is just 4 days, "Shanghai City motor vehicle traffic accident liability provisions" will be implemented, but it is understood, the three with the support of the insurance rate adjustment has not. Recently, "how three party insurance rates will change", "insurance rate will increase substantially" will not become one of the hot topics people are most concerned about. Reporter in the interview that, while supporting the auto insurance rates have not been announced, but Shanghai as a national pilot unit, will continue to the three party insurance rates "make it rigidly uniform" approach, the public no matter in which insurance companies purchase of motor vehicle three party risk, the price is the same.
This also allows us to realize that, the establishment of a joint information platform, the premium and illegal record to hang a hook: on the one hand can urge drivers to comply with traffic rules, traffic safety; the other hand to the insurance company to reduce the settlement risk to a certain extent. According to the driver's violation and claims records, third party liability insurance rates will likely fluctuate 50100%. The driver law-abiding, reducing the traffic accidents, the insurance company to pay the premium rate reduce, reduce, we found in these aspects, social aspects of the public actually enjoy the welfare.
The service platform of motor vehicles in Shanghai city united information platform is an open, also is the important regulatory platform, driver, vehicle information of the original, we are not aware of, the authority also don't know, also don't communicate each other, but now all the information the insurance company can participate in the sharing of information and the insurance accident; sharing that insurance companies understand that the claim information, also can effectively prevent the occurrence of fraud, fraud protection risk. These all contribute to the vicious price competition problems have long plagued Shanghai insurance market, the insurance companies continue to improve the management level, improve the service quality, creating a good environment for the development of insurance market.
Links three party insurance rate adjustment content
Since April 1, 2004 the implementation of the Shanghai area alone, applicable to motor vehicle third party liability insurance clause and premium rate, the serious violations, traffic illegal cumulative frequency cumulative amount, insurance and insurance claims, column elements into a floating rate of the. The main contents are as follows:
1, all in the past year occurred in 7 serious traffic violations, the renewal premium must go up, and each kind of traffic offences stipulated ranging from the floating range. These serious traffic violations are: drunk driving, each rise 25%; violation of traffic signal indication, each 20% of the float; the reverse traffic, each rise 20%; speeding, each rise 20%; driving without a license, each rise 20%; vehicle safety device does not meet the requirements, each rise 15%; illegal overloading each float, 15%.
2, all in the past year occurred in various types of traffic violations (including the serious illegal) over more than 10 times, the renewal premiums must be floating, floating rate for a fixed premium 15%. The applicant has the above two cases of floating rates go up at the same time, the proportion of the accumulation, but not exceeding the maximum fixed premium 70%.
3, all in the past year due to traffic accident by insurance companies to pay compensation and reached a certain standard, the renewal premium must rise. The amount of compensation has reached 700% to 2000% fixed premium (including), premium rise 10%; up to 2000% to 3000% (inclusive), rates go up 15%; to achieve 3000% above, the rate rise 20%.
4, where in the past year due to traffic accident claim to the insurance company for more than 3 times (not including 3), the renewal premiums rise 10%. Due to the insurance indemnity insurance rates go up, adjust the maximum limit of 30%.
Incentive measures are mainly: no traffic violations over the past year, downward float of 10% fixed premium rate renewal; no insurance claims over the past year, the renewal of fixed premium downward float of 10%; the next year to continue without insurance, increase 10% downward float downward float; most not more than a fixed premium 30%; the past years, although had traffic violations or claims in insurance, but not enough to affect the renewal rates go up, according to a fixed premium payment, do not enjoy preferential rates.