On the issue, the insured to occupy the initiative. For two of a Mr. Hao friend of a car two months time loss, "but the company fixed assets due to regulations, not to buy, can repair, the insurance company shall not have been in accordance with the requirements of all teeth repaired two times, far higher than the cost to buy a new car." Australia: claims can operate the Internet "International Herald Tribune" article Anthony just bought a new V8 car, is a very proud, a free driving around. However, just opened 3 months, had a car accident. When the police clear accident responsibility is in the other side, Anthony immediately call your insurance company details and put forward the claim, hope his car to take to the road again as soon as possible. Anthony when the primary insurer in Australia is a large insurance company, opened 24 hours claim hotline. The insurance company staff received a phone call from Anthony, the master Anthony's license plate number, insurance number, address and other personal information and driver's license number, police record accident file number, also a detailed record of the details and the specific situation of the accident responsible party after the car accident, in accordance with the provisions of the insurance company offered Anthony the phone records the claim document number. The car was badly damaged cannot continue driving, the insurance company to assist Anthony contact will be towed to the insurance company's customer care center to inspect, the record, then sent to the car insurance company recognized dealers. everything after the treatment, the insurance company arranged for Anthony to taxi for him. As a result of the traffic accident responsibility is in the other side, Anthony claim the insurance company representative he claims to insurance companies responsible. Australian Motors Insurance Corporation many every day to see the insurance company can turn on the TV. These insurance price difference, basically in the 200 to 300 Australian dollars ($1 $6.65 yuan), and of course for the group is also different, as few drivers, middle-aged driving safety etc.. If drivers under the age of 25, has been short, insurance costs even higher than other safer drivers hundreds. So when buy insurance often need of goods than the three, but also to choose according to the insurance company reputation, their car's actual situation and needs. in Australia, purchase insurance is very convenient, by telephone, website can. If is the purchase of insurance, the insurance company to ask for very detailed information to the applicant, such as drivers of personal information (including age, vehicle type, vehicle age) and details of vehicles (including cars, use, without an alarm, car frequency, settling fee, the car has been paid out etc.). Usually, the new year full coverage insurance fees are in the thousands of Australian dollars. claims in Australia is not difficult, in addition to call the insurance company claims, also conducted online in the claims, but must have clear accident responsibility side written records, or claims at the time because of the accident responsible party is not clear and the occurrence of delayed or not to the insurance company. if full insurance, accident, car scratches can report the insurance company to repair. However, after the insurance premium, next time will increase, and claims involve settling fee, car repairs beyond the claim expense above part, the insurance company will compensate fee. When in purchase insurance each choose settlement fees are different, some people think that their driving very Caution!, choice of high-grade settling fee rather high, because of the higher settling fee, annual fee is. Once the accident and responsibility is in the other side, the non responsibility without paying for settling fee. If you bought the insurance without any problems within one year, no claims, that second years of insurance prices will be cheaper than last year. No claim of long, get the insurance premium discount will be greater. Japan: uphold the principle of "no loss, no profit" principle "International Herald Tribune" article in Japan, insurance can be divided into two. One is based on the "auto compensation law" has joined the obligation of compulsory insurance, "insurance" car damage liability, referred to as "self compensate liability insurance", is one of the traffic accident victims of personal insurance, the equivalent of third party liability insurance is our "". 1956 Japan adopted legislation to implement the compulsory third party liability insurance, the compulsory insurance is limited only to the automobile third party liability, not including the third party property damage. The only compulsory insurance except responsibility is the insured's intentional act. Don't participate in the insurance, not driving a car, otherwise, even if I am no responsibility, will be subject to 1 years imprisonment and 500000 yen (100 yen 7.56 yuan RMB) the fine punishment.
In December 30, 2010, France to prevent traffic accidents and Insurance Association held the traffic accident warning activities in Paris subway station and other public places. Xinhua / mmui

[editor's note]Traffic accidents, regardless of whether there are other liability, accident victims may claim compensation minimum "self compensate liability insurance", but the claim amount and negligence have certain relations. If the arbitration institution that the victim fault responsibility for more than 70%, claims can be reduced by 20 ~ 50%. "Self compensate liability insurance" claims the cap is death of 30000000 yen, the sequelae of 40000000 yen, 1200000 yen general injured people. insurance should be "no loss, no profit" Japan on the automobile third party liability principle, the Japanese law prescribes that the insurance premium rate of the "cost" is allowed to have profit, not to the specialized committee, the rate specified by the government. The rate of development, the main reference number of the insured vehicle accident rate, average every accident compensation etc.. In order to ensure that the insurance company is not a loss, other provisions imposing additional insurance as a fee, the fatal accident owner also additional premium. due to accident or the car without insurance in case of "self compensate responsibility", the victim can apply to the government for the corresponding. However, in the post to find the perpetrators and the car is not insured, the victim to the government returns the awards. but in view of "compulsory insurance" claims there is a limit, and is not responsible for property loss, so the Japanese owners generally will choose according to their own needs "arbitrary" insurance business. Many insurance companies have a "common vehicle outside the insurance claim insurance", mainly for value in about 900000 yuan more than the luxury car and all kinds of Engineering vehicle. Ordinary cars if the insured the insurance, in case you hit the car, repair costs 6 to pay by the insurance company. Japanese commercial insurance mainly has two characteristics, one is the premium liberalization, different insurance companies to develop their own premiums and claims standards; two is the risk of refinement, according to different models, the owner, the car driving habits, frequency and so on to develop different premium. To risk refinement as an example, such as young men drive sports cars, risk assessment will be relatively increased, the premium will be higher than the normal standard. In addition, losing just one more time, update the contract next premium will rise significantly. as basic rate, is based on the claim has no divided into 20 levels, each insurance company independent set the corresponding class and premium discount. To Sony insurance company as an example, in general, the first new car insurance contract signed from level 6 as the starting point, a year if not be or get out of danger, level is increased by 1 ~ 7, the premium correspondingly reduced by 20%, once the danger, rating 3, 20% increase in premium, if the loss is small, maintenance level 6, the premium can also cut 10%.
"High and low compensation", "no duty not to compensate", this is a common problem encountered in the car when the charge compensation insurance. In this regard, in March 14th, Chinese Insurance Industry Association issued a formal "motor vehicle insurance business model provisions", the original commercial vehicle insurance terms comprehensively combs, screening is not conducive to the protection of the rights and interests of the insured, unclear and ambiguous, and reasonably revised, strengthen the protection of the interests of consumers, improve the security capacity of commercial car insurance.
In fact, some of the controversial issues in China's insurance market, some developed countries have already solved. The user for auto insurance or accident claims, convenient and quick, let a lot of insured comfort. Their experience is worth our reference.

Traffic accidents, regardless of whether there are other liability, accident victims may claim compensation minimum "self compensate liability insurance", but the claim amount and negligence have certain relations. If the arbitration institution that the victim fault responsibility for more than 70%, claims can be reduced by 20 ~ 50%. "Self compensate liability insurance" claims the cap is death of 30000000 yen, the sequelae of 40000000 yen, 1200000 yen general injured people. insurance should be "no loss, no profit" Japan on the automobile third party liability principle, the Japanese law prescribes that the insurance premium rate of the "cost" is allowed to have profit, not to the specialized committee, the rate specified by the government. The rate of development, the main reference number of the insured vehicle accident rate, average every accident compensation etc.. In order to ensure that the insurance company is not a loss, other provisions imposing additional insurance as a fee, the fatal accident owner also additional premium. due to accident or the car without insurance in case of "self compensate responsibility", the victim can apply to the government for the corresponding. However, in the post to find the perpetrators and the car is not insured, the victim to the government returns the awards. but in view of "compulsory insurance" claims there is a limit, and is not responsible for property loss, so the Japanese owners generally will choose according to their own needs "arbitrary" insurance business. Many insurance companies have a "common vehicle outside the insurance claim insurance", mainly for value in about 900000 yuan more than the luxury car and all kinds of Engineering vehicle. Ordinary cars if the insured the insurance, in case you hit the car, repair costs 6 to pay by the insurance company. Japanese commercial insurance mainly has two characteristics, one is the premium liberalization, different insurance companies to develop their own premiums and claims standards; two is the risk of refinement, according to different models, the owner, the car driving habits, frequency and so on to develop different premium. To risk refinement as an example, such as young men drive sports cars, risk assessment will be relatively increased, the premium will be higher than the normal standard. In addition, losing just one more time, update the contract next premium will rise significantly. as basic rate, is based on the claim has no divided into 20 levels, each insurance company independent set the corresponding class and premium discount. To Sony insurance company as an example, in general, the first new car insurance contract signed from level 6 as the starting point, a year if not be or get out of danger, level is increased by 1 ~ 7, the premium correspondingly reduced by 20%, once the danger, rating 3, 20% increase in premium, if the loss is small, maintenance level 6, the premium can also cut 10%.[author] "International Herald Tribune"Reporter Kuang Lin Rao Bo Feng Wuyong from Sydney, Frankfurt, Tokyo

Germany: directly tied to risk premium

    "International Herald Tribune" articleGermany is the vehicle of the Kingdom, and now the average per 100 people have 62 people owned cars. For a long time, Germany on the car a well-established management system, automobile insurance is one important part of.
   MS Zhen long in Frankfurt it has deep experience. A few years ago because of a car accident, she had a claim. "Although things over for a long time, but each time from the corner turn up train station road, still have a lingering fear."
   One day a few years ago, Ms Zhen early in the morning to open recently bought Opel out the door, after a corner, the body in curved centrifugal force hit straight to the right guardrail, Zhen lady instinctively turn the steering wheel, didn't want to hit the guardrail, "air sac pop hit people are hurting."
   MS Zhen behind a car owners to come ask MS Zhen is injured, received no answer to her for the insurance company phone, soon the police and insurance companies to.In December 30, 2010, France to prevent traffic accidents and Insurance Association held the traffic accident warning activities in Paris subway station and other public places. Xinhua mmui [editor's note] "high and low compensation", "no duty not to compensate", this is a common problem encountered in the car when the charge compensation insurance. In this regard, in March 14th, Chinese Insurance Industry Association issued a formal "motor vehicle insurance business model provisions", the original commercial vehicle insurance terms comprehensively combs, screening is not conducive to the protection of the rights and interests of the insured, unclear and ambiguous, and reasonably revised, strengthen the protection of the interests of consumers, improve the security capacity of commercial car insurance. actually some controversy, in China's insurance market, some developed countries have already. The user for auto insurance or accident claims, convenient and quick, let a lot of insured comfort. Their experience is worth our reference. [author] "International Herald Tribune" reporter Kuang Lin Rao Bo Feng Wuyong from Sydney, Frankfurt, Tokyo Germany: premium directly tied to risk "International Herald Tribune" article German car kingdom now average per 100 people, 62 people have. For a long time, Germany on the car a well-established management system, automobile insurance is one important part of. The Zhen long in Frankfurt woman deeply. A few years ago because of a car accident, she had a claim. "Although things over for a long time, but each time from the corner turn up train station road, still have a lingering fear." a day a few years ago, Ms Zhen early in the morning to open recently bought Opel out the door, after a corner, in the corner under the action of centrifugal body force hit straight to the right guardrail, Zhen lady instinctively turn the steering wheel, didn't want to hit the guardrail, "pop the balloon hit people pain." Zhen lady behind a car owners to come ask MS Zhen is injured, received no answer to her for the insurance company phone, soon the police and insurance companies to. insurance companies together with MS Zhen the damaged car to the Opel car dealership, soon have the identification results, "the car is certainly a total loss, the surplus value of 2000 euros, no repair." They said she told Ms Zhen, purchase a car when 20000 euros (1 euros, about 8.27 yuan) will be fully covered, but also take some program. due to the slippery snow, then and MS Zhen the case as many, the insurance company is busy. Exhausting, Chen received a report from the insurance company. "They have found three specialized processing scrap vehicle dealers, recommends one offer 4000 euros of the car." MS Zhen husband said Mr. hao. insurance company also told they offer, the garage is two. MS Zhen couple quickly to the car phone, get on the spot 4000 euros. "Insurance companies cope with 16000 Euro balance is given to us for the purchase of a new car, but if the price of a new car is higher than the price, they do not make up, less than the price, they also do not retreat." MS Zhen feel the insurance company responsible for compensation to let a person feel very comfort, but after three consecutive years of premium will rise by 40%. German auto insurance premiums directly and risk. "If you are a novice, the premium will be the normal rate of 235%, after a year, if no accident, second years down to a normal rate of 140%, and then fell to 100%, if has not be or get out of danger, the premium will be very slowly decreased year by year." Such a policy can shoot two hawks with one arrow: not only encourage drivers to drive safely, but also conducive to the insurance company's profit. in German auto insurance system, unique point is "Berlin car than Bonn your car, of course, this is just a" a popular. Specifically, the area factor premium calculation and registration of domestic automobile. Car registration area of car ownership, traffic management, public security situation, the size of the possibility of theft, and even repair cost determines the car insurance premiums. For example, Berlin is the capital of Germany, population is numerous, the car density is high, the traffic management more complex, car theft and damage phenomena occur, so the same car if registered in Berlin, the premium than in Bonn registered for a higher position, causing some have domicile in Berlin and the people own cars would have registered in bonn. Zhen lady told reporters, once in Germany involved in traffic accidents, if the insurance company and the insured amount of compensation is divided to third party, have independent agencies to provide authoritative identification, but in
   The insurance company with MS Zhen the damaged car to the Opel car dealership, soon have the identification results, "the car is certainly a total loss, the surplus value of 2000 euros, no repair of the value." They said she told Ms Zhen, purchase a car when 20000 euros (1 euros, about 8.27 yuan) will be fully covered, but also take some program.
   Due to the slippery snow, then and MS Zhen the case as many busy be scorched by the flames, the insurance company. Exhausting, Chen received a report from the insurance company. "They have found three specialized processing scrap vehicle dealers, recommends one offer 4000 euros of the car." MS Zhen husband said Mr. hao.
   The insurance company told them, the validity period of quotation is car two weeks. MS Zhen couple quickly to the car phone, get on the spot 4000 euros. "Insurance companies cope with 16000 Euro balance is given to us for the purchase of a new car, but if the price of a new car is higher than the price, they do not make up, less than the price, they also do not retreat." MS Zhen feel the insurance company responsible for compensation to let a person feel very comfort, but after three consecutive years of premium will rise by 40%.In December 30, 2010, France to prevent traffic accidents and Insurance Association held the traffic accident warning activities in Paris subway station and other public places. Xinhua mmui [editor's note] "high and low compensation", "no duty not to compensate", this is a common problem encountered in the car when the charge compensation insurance. In this regard, in March 14th, Chinese Insurance Industry Association issued a formal "motor vehicle insurance business model provisions", the original commercial vehicle insurance terms comprehensively combs, screening is not conducive to the protection of the rights and interests of the insured, unclear and ambiguous, and reasonably revised, strengthen the protection of the interests of consumers, improve the security capacity of commercial car insurance. actually some controversy, in China's insurance market, some developed countries have already. The user for auto insurance or accident claims, convenient and quick, let a lot of insured comfort. Their experience is worth our reference. [author] "International Herald Tribune" reporter Kuang Lin Rao Bo Feng Wuyong from Sydney, Frankfurt, Tokyo Germany: premium directly tied to risk "International Herald Tribune" article German car kingdom now average per 100 people, 62 people have. For a long time, Germany on the car a well-established management system, automobile insurance is one important part of. The Zhen long in Frankfurt woman deeply. A few years ago because of a car accident, she had a claim. "Although things over for a long time, but each time from the corner turn up train station road, still have a lingering fear." a day a few years ago, Ms Zhen early in the morning to open recently bought Opel out the door, after a corner, in the corner under the action of centrifugal body force hit straight to the right guardrail, Zhen lady instinctively turn the steering wheel, didn't want to hit the guardrail, "pop the balloon hit people pain." Zhen lady behind a car owners to come ask MS Zhen is injured, received no answer to her for the insurance company phone, soon the police and insurance companies to. insurance companies together with MS Zhen the damaged car to the Opel car dealership, soon have the identification results, "the car is certainly a total loss, the surplus value of 2000 euros, no repair." They said she told Ms Zhen, purchase a car when 20000 euros (1 euros, about 8.27 yuan) will be fully covered, but also take some program. due to the slippery snow, then and MS Zhen the case as many, the insurance company is busy. Exhausting, Chen received a report from the insurance company. "They have found three specialized processing scrap vehicle dealers, recommends one offer 4000 euros of the car." MS Zhen husband said Mr. hao. insurance company also told they offer, the garage is two. MS Zhen couple quickly to the car phone, get on the spot 4000 euros. "Insurance companies cope with 16000 Euro balance is given to us for the purchase of a new car, but if the price of a new car is higher than the price, they do not make up, less than the price, they also do not retreat." MS Zhen feel the insurance company responsible for compensation to let a person feel very comfort, but after three consecutive years of premium will rise by 40%. German auto insurance premiums directly and risk. "If you are a novice, the premium will be the normal rate of 235%, after a year, if no accident, second years down to a normal rate of 140%, and then fell to 100%, if has not be or get out of danger, the premium will be very slowly decreased year by year." Such a policy can shoot two hawks with one arrow: not only encourage drivers to drive safely, but also conducive to the insurance company's profit. in German auto insurance system, unique point is "Berlin car than Bonn your car, of course, this is just a" a popular. Specifically, the area factor premium calculation and registration of domestic automobile. Car registration area of car ownership, traffic management, public security situation, the size of the possibility of theft, and even repair cost determines the car insurance premiums. For example, Berlin is the capital of Germany, population is numerous, the car density is high, the traffic management more complex, car theft and damage phenomena occur, so the same car if registered in Berlin, the premium than in Bonn registered for a higher position, causing some have domicile in Berlin and the people own cars would have registered in bonn. Zhen lady told reporters, once in Germany involved in traffic accidents, if the insurance company and the insured amount of compensation is divided to third party, have independent agencies to provide authoritative identification, but in
   The German car insurance premium is directly tied to risk. "If you are a novice, the premium will be the normal rate of 235%, after a year, if no accident, second years down to a normal rate of 140%, and then fell to 100%, if has not be or get out of danger, the premium will be very slowly decreased year by year." Such a policy can shoot two hawks with one arrow: not only encourage drivers to drive safely, but also conducive to the insurance company's profit.
   In the German car insurance system, unique point is "Berlin car than Bonn your car, of course, this is just a" is a popular saying. Specifically, the area factor premium calculation and registration of domestic automobile. Car registration area of car ownership, traffic management, public security situation, the size of the possibility of theft, and even repair cost determines the car insurance premiums. For example, Berlin is the capital of Germany, population is numerous, the car density is high, the traffic management more complex, car theft and damage phenomena occur, so the same car if registered in Berlin, the premium than in Bonn registered for a higher position, causing some have domicile in Berlin and the people own cars would have registered in bonn.
   MS Zhen told reporters, once in Germany involved in traffic accidents, if the insured and the insurance company paid the amount of disagreement, the third party agencies will have an independent authority to provide identification, but in the repair of the insured, and occupy the initiative.
   Two times in a row, a friend of Mr. Hao is a car within two months of a total loss, "but because of fixed asset management company, not only to buy, repair, the insurance company shall not have been in accordance with the requirements of all teeth repaired two times, far higher than the price of a new car purchase cost."

Australia: claims can operate the Internet

    "International Herald Tribune" articleAnthony has just bought a new V8 car, is a very proud, be free to drive around. However, just opened 3 months, had a car accident. When the police clear accident responsibility is in the other side, Anthony immediately call your insurance company details and put forward the claim, hope his car to take to the road again as soon as possible.
   Anthony once the primary insurance company is a large Australian insurance companies, claims hotline open 24 hours. The insurance company staff received a phone call from Anthony, the master Anthony's license plate number, insurance number, address and other personal information and driver's license number, police record accident file number, also a detailed record of the details and the specific situation of the accident responsible party after the car accident, in accordance with the provisions of the insurance company offered Anthony the phone records the claim document number.On the issue, the insured to occupy the initiative. For two of a Mr. Hao friend of a car two months time loss, "but the company fixed assets due to regulations, not to buy, can repair, the insurance company shall not have been in accordance with the requirements of all teeth repaired two times, far higher than the cost to buy a new car." Australia: claims can operate the Internet "International Herald Tribune" article Anthony just bought a new V8 car, is a very proud, a free driving around. However, just opened 3 months, had a car accident. When the police clear accident responsibility is in the other side, Anthony immediately call your insurance company details and put forward the claim, hope his car to take to the road again as soon as possible. Anthony when the primary insurer in Australia is a large insurance company, opened 24 hours claim hotline. The insurance company staff received a phone call from Anthony, the master Anthony's license plate number, insurance number, address and other personal information and driver's license number, police record accident file number, also a detailed record of the details and the specific situation of the accident responsible party after the car accident, in accordance with the provisions of the insurance company offered Anthony the phone records the claim document number. The car was badly damaged cannot continue driving, the insurance company to assist Anthony contact will be towed to the insurance company's customer care center to inspect, the record, then sent to the car insurance company recognized dealers. everything after the treatment, the insurance company arranged for Anthony to taxi for him. As a result of the traffic accident responsibility is in the other side, Anthony claim the insurance company representative he claims to insurance companies responsible. Australian Motors Insurance Corporation many every day to see the insurance company can turn on the TV. These insurance price difference, basically in the 200 to 300 Australian dollars ($1 $6.65 yuan), and of course for the group is also different, as few drivers, middle-aged driving safety etc.. If drivers under the age of 25, has been short, insurance costs even higher than other safer drivers hundreds. So when buy insurance often need of goods than the three, but also to choose according to the insurance company reputation, their car's actual situation and needs. in Australia, purchase insurance is very convenient, by telephone, website can. If is the purchase of insurance, the insurance company to ask for very detailed information to the applicant, such as drivers of personal information (including age, vehicle type, vehicle age) and details of vehicles (including cars, use, without an alarm, car frequency, settling fee, the car has been paid out etc.). Usually, the new year full coverage insurance fees are in the thousands of Australian dollars. claims in Australia is not difficult, in addition to call the insurance company claims, also conducted online in the claims, but must have clear accident responsibility side written records, or claims at the time because of the accident responsible party is not clear and the occurrence of delayed or not to the insurance company. if full insurance, accident, car scratches can report the insurance company to repair. However, after the insurance premium, next time will increase, and claims involve settling fee, car repairs beyond the claim expense above part, the insurance company will compensate fee. When in purchase insurance each choose settlement fees are different, some people think that their driving very Caution!, choice of high-grade settling fee rather high, because of the higher settling fee, annual fee is. Once the accident and responsibility is in the other side, the non responsibility without paying for settling fee. If you bought the insurance without any problems within one year, no claims, that second years of insurance prices will be cheaper than last year. No claim of long, get the insurance premium discount will be greater. Japan: uphold the principle of "no loss, no profit" principle "International Herald Tribune" article in Japan, insurance can be divided into two. One is based on the "auto compensation law" has joined the obligation of compulsory insurance, "insurance" car damage liability, referred to as "self compensate liability insurance", is one of the traffic accident victims of personal insurance, the equivalent of third party liability insurance is our "". 1956 Japan adopted legislation to implement the compulsory third party liability insurance, the compulsory insurance is limited only to the automobile third party liability, not including the third party property damage. The only compulsory insurance except responsibility is the insured's intentional act. Don't participate in the insurance, not driving a car, otherwise, even if I am no responsibility, will be subject to 1 years imprisonment and 500000 yen (100 yen 7.56 yuan RMB) the fine punishment.
   The car was badly damaged cannot continue to drive, the insurance company to assist Anthony contact will be towed to the insurance company's customer care center, inspection record of the car, then sent to the car insurance company recognizes the car repair.
   All processing is completed, the insurance company arranged for Anthony to taxi and sent him home. As a result of the traffic accident responsibility is in the other side, Anthony claim the insurance company representative he claims to insurance companies responsible.
   The Australian Motors Insurance Corporation many, can see various insurance companies advertising on TV every day. These insurance price difference, basically in the 200 to 300 Australian dollars ($1 $6.65 yuan), and of course for the group is also different, as few drivers, middle-aged driving safety etc.. If drivers under the age of 25, has been short, insurance costs even higher than other safer drivers hundreds. So when buy insurance often need of goods than the three, but also to choose according to the insurance company reputation, their car's actual situation and needs.
   In Australia, purchase insurance is very convenient, can be completed by telephone, website. If is the purchase of insurance, the insurance company to ask for very detailed information to the applicant, such as drivers of personal information (including age, vehicle type, vehicle age) and details of vehicles (including cars, use, without an alarm, car frequency, settling fee, the car has been paid out etc.). Usually, the new year full coverage insurance fees are in the thousands of Australian dollars.
   Claims in Australia is not difficult, in addition to call the insurance company claims, also can make claims on the Internet, but there must be a clear accident responsibility side written records, or claims at the time because of the accident responsible party is not clear and the occurrence of delayed or not to the insurance company for compensation.
   If full insurance, accident, car scratches can report the insurance company to repair. However, after the insurance premium, next time will increase, and claims involve settling fee, car repairs beyond the claim expense above part, the insurance company will compensate fee.In December 30, 2010, France to prevent traffic accidents and Insurance Association held the traffic accident warning activities in Paris subway station and other public places. Xinhua mmui [editor's note] "high and low compensation", "no duty not to compensate", this is a common problem encountered in the car when the charge compensation insurance. In this regard, in March 14th, Chinese Insurance Industry Association issued a formal "motor vehicle insurance business model provisions", the original commercial vehicle insurance terms comprehensively combs, screening is not conducive to the protection of the rights and interests of the insured, unclear and ambiguous, and reasonably revised, strengthen the protection of the interests of consumers, improve the security capacity of commercial car insurance. actually some controversy, in China's insurance market, some developed countries have already. The user for auto insurance or accident claims, convenient and quick, let a lot of insured comfort. Their experience is worth our reference. [author] "International Herald Tribune" reporter Kuang Lin Rao Bo Feng Wuyong from Sydney, Frankfurt, Tokyo Germany: premium directly tied to risk "International Herald Tribune" article German car kingdom now average per 100 people, 62 people have. For a long time, Germany on the car a well-established management system, automobile insurance is one important part of. The Zhen long in Frankfurt woman deeply. A few years ago because of a car accident, she had a claim. "Although things over for a long time, but each time from the corner turn up train station road, still have a lingering fear." a day a few years ago, Ms Zhen early in the morning to open recently bought Opel out the door, after a corner, in the corner under the action of centrifugal body force hit straight to the right guardrail, Zhen lady instinctively turn the steering wheel, didn't want to hit the guardrail, "pop the balloon hit people pain." Zhen lady behind a car owners to come ask MS Zhen is injured, received no answer to her for the insurance company phone, soon the police and insurance companies to. insurance companies together with MS Zhen the damaged car to the Opel car dealership, soon have the identification results, "the car is certainly a total loss, the surplus value of 2000 euros, no repair." They said she told Ms Zhen, purchase a car when 20000 euros (1 euros, about 8.27 yuan) will be fully covered, but also take some program. due to the slippery snow, then and MS Zhen the case as many, the insurance company is busy. Exhausting, Chen received a report from the insurance company. "They have found three specialized processing scrap vehicle dealers, recommends one offer 4000 euros of the car." MS Zhen husband said Mr. hao. insurance company also told they offer, the garage is two. MS Zhen couple quickly to the car phone, get on the spot 4000 euros. "Insurance companies cope with 16000 Euro balance is given to us for the purchase of a new car, but if the price of a new car is higher than the price, they do not make up, less than the price, they also do not retreat." MS Zhen feel the insurance company responsible for compensation to let a person feel very comfort, but after three consecutive years of premium will rise by 40%. German auto insurance premiums directly and risk. "If you are a novice, the premium will be the normal rate of 235%, after a year, if no accident, second years down to a normal rate of 140%, and then fell to 100%, if has not be or get out of danger, the premium will be very slowly decreased year by year." Such a policy can shoot two hawks with one arrow: not only encourage drivers to drive safely, but also conducive to the insurance company's profit. in German auto insurance system, unique point is "Berlin car than Bonn your car, of course, this is just a" a popular. Specifically, the area factor premium calculation and registration of domestic automobile. Car registration area of car ownership, traffic management, public security situation, the size of the possibility of theft, and even repair cost determines the car insurance premiums. For example, Berlin is the capital of Germany, population is numerous, the car density is high, the traffic management more complex, car theft and damage phenomena occur, so the same car if registered in Berlin, the premium than in Bonn registered for a higher position, causing some have domicile in Berlin and the people own cars would have registered in bonn. Zhen lady told reporters, once in Germany involved in traffic accidents, if the insurance company and the insured amount of compensation is divided to third party, have independent agencies to provide authoritative identification, but in
   In each of the purchase insurance claims when people choose the price is different, some people think that their driving very Caution!, willing to high-grade settling fee high choice, because the claim expense is higher, the lower the annual fee. Once the accident and responsibility is in the other side, the non responsibility without paying for settling fee. If you bought the insurance without any problems within one year, no claims, that second years of insurance prices will be cheaper than last year. No claim of long, get the insurance premium discount will be greater.

Japan: uphold the principle of "no loss, no profit" principle

    "International Herald Tribune" articleIn Japan, the insurance can be divided into two categories. One is based on the "auto compensation law" has joined the obligation of compulsory insurance, "insurance" car damage liability, referred to as "self compensate liability insurance", is one of the traffic accident victims of personal insurance, the equivalent of third party liability insurance is our "".
   In 1956, Japan adopted legislation to implement the compulsory third party liability insurance, the compulsory insurance is limited only to the automobile third party liability, not including the third party property damage. The only compulsory insurance except responsibility is the insured's intentional act. Don't participate in the insurance, not driving a car, otherwise, even if I am no responsibility, will be subject to 1 years imprisonment and 500000 yen (100 yen 7.56 yuan RMB) the fine punishment.
   Once a traffic accident occurs, regardless of whether there are other liability, accident victims may claim compensation minimum "self compensate liability insurance", but the claim amount and negligence have certain relations. If the arbitration institution that the victim fault responsibility for more than 70%, claims can be reduced by 20 ~ 50%. "Self compensate liability insurance" claims the cap is killed 30000000 yen / person, leave sequela of 40000000 yen per person, 1200000 yuan / person general injury.
Japan carried out the "no loss, no profit" principle of the motor vehicle third party liability insurance, the insurance premium rate of Japanese law by "cost", have profit objective is not allowed, formulate special commission rates specified by the government. The rate of development, the main reference number of the insured vehicle accident rate, average every accident compensation etc.. In order to ensure that the insurance company is not a loss, other provisions imposing additional insurance as a fee, the fatal accident owner also additional premium.
   Due to accident or the car without insurance case, self compensate responsibility "claims the victim can apply to the government for the corresponding". However, in the post to find the perpetrators and the car is not insured, the victim to the government returns the awards.Traffic accidents, regardless of whether there are other liability, accident victims may claim compensation minimum "self compensate liability insurance", but the claim amount and negligence have certain relations. If the arbitration institution that the victim fault responsibility for more than 70%, claims can be reduced by 20 ~ 50%. "Self compensate liability insurance" claims the cap is death of 30000000 yen, the sequelae of 40000000 yen, 1200000 yen general injured people. insurance should be "no loss, no profit" Japan on the automobile third party liability principle, the Japanese law prescribes that the insurance premium rate of the "cost" is allowed to have profit, not to the specialized committee, the rate specified by the government. The rate of development, the main reference number of the insured vehicle accident rate, average every accident compensation etc.. In order to ensure that the insurance company is not a loss, other provisions imposing additional insurance as a fee, the fatal accident owner also additional premium. due to accident or the car without insurance in case of "self compensate responsibility", the victim can apply to the government for the corresponding. However, in the post to find the perpetrators and the car is not insured, the victim to the government returns the awards. but in view of "compulsory insurance" claims there is a limit, and is not responsible for property loss, so the Japanese owners generally will choose according to their own needs "arbitrary" insurance business. Many insurance companies have a "common vehicle outside the insurance claim insurance", mainly for value in about 900000 yuan more than the luxury car and all kinds of Engineering vehicle. Ordinary cars if the insured the insurance, in case you hit the car, repair costs 6 to pay by the insurance company. Japanese commercial insurance mainly has two characteristics, one is the premium liberalization, different insurance companies to develop their own premiums and claims standards; two is the risk of refinement, according to different models, the owner, the car driving habits, frequency and so on to develop different premium. To risk refinement as an example, such as young men drive sports cars, risk assessment will be relatively increased, the premium will be higher than the normal standard. In addition, losing just one more time, update the contract next premium will rise significantly. as basic rate, is based on the claim has no divided into 20 levels, each insurance company independent set the corresponding class and premium discount. To Sony insurance company as an example, in general, the first new car insurance contract signed from level 6 as the starting point, a year if not be or get out of danger, level is increased by 1 ~ 7, the premium correspondingly reduced by 20%, once the danger, rating 3, 20% increase in premium, if the loss is small, maintenance level 6, the premium can also cut 10%.
   But in view of "compulsory insurance" claims there is a limit, and is not responsible for property loss, so the Japanese owners generally will choose according to their own needs "arbitrary" insurance of commercial insurance. Many insurance companies have a "common vehicle outside the insurance claim insurance", mainly for value in about 900000 yuan more than the luxury car and all kinds of Engineering vehicle. Ordinary cars if the insured the insurance, in case you hit the car, repair costs 6 to pay by the insurance company.
   Japan's commercial insurance mainly has two characteristics, one is the premium liberalization, different insurance companies to develop their own premiums and claims standards; two is the risk of refinement, according to different models, the owner, the car driving habits, frequency and so on to develop different premium standards. To risk refinement as an example, such as young men drive sports cars, risk assessment will be relatively increased, the premium will be higher than the normal standard. In addition, losing just one more time, update the contract next premium will rise significantly.
   As for the basic insurance rates, is based on the claim has no divided into 20 levels, each insurance company independent set corresponding proportion grade and the insurance premium discount. To Sony insurance company as an example, in general, the first new car insurance contract signed from level 6 as the starting point, a year if not be or get out of danger, level is increased by 1 ~ 7, the premium correspondingly reduced by 20%, once the danger, rating 3, 20% increase in premium, if the loss is small, maintenance level 6, the premium can also cut 10%.