[reproduced] insurance clause is not what ABC

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  • / Author: Aaron Lewis

Automobile insuranceABCClause

Insurance clause and divided intoAClass,BClass andCClass, Chinese warranty isAClass is used, peaceBClass is used, the PacificCClass, in terms of the general is the same, but the details are a little different.

 Insurance products--A,B,CThe difference between the three models of insurance clauses


The current insurance clause and insurance companies are unified, is set by the Chinese Insurance Industry Association, the China Insurance Regulatory Commission approved the China. Unified insurance clauses intoA,B,CThree, the insurance company according to their own needs. The content of this three kinds of insurance clauses are different, the majority of owners do not just look at the price, should study carefully the relevant provisions, so as not to buy insurance to insurance. Our preliminary research results, on the protection of the insured person level,ABest,BThe second paragraph,CThe most difference.BAndCWill the insured does not assume responsibility for the accident insurance does not compensate as a special clause,CAlso will not be liable for legal fees, legal fees, appraisal fees as a special clause.
Auto insurance including automobile physical damage insurance, three party insurance, pilfer rush to deal with an emergency and so on, the insurance company can only in the choice of insurance clause select allAOrBOrCThat is to say, the car, the loss of an insurance company's risk choiceAOther insurance clause, it must also chooseA.
Have a look firstA,B,CChe Sunxian have what different?
A,The scope of compensation is different
1In the natural disaster,BRatioAIncreased storms and tornadoes,CThanBThe typhoon, tropical storm, snow, ice, dust storms in. In natural disasters,AThe narrow scope of compensation,CThe wide scope of compensation.
2Separate glass, damage,AFor any glass alone are not compensation for damage,BAndCThe skylight glass separate damage compensation. In the glass damage alone,AThe scope of compensation for the narrow, not lose all.
Two,No compensation range
1,BAndCAll the regulations when the insured motor vehicle shall not bear responsibility for the accident, no compensation for the loss of motor vehicle,AThere is no such provisions.ATo be more favorable insurance, especially when the liability accident for non motor vehicles or pedestrians, or the responsible party although motor vehicles, but the responsible party seemed not to pay.
2,BNot expressly provided for parking fees, custodial fees, buckle fare and a variety of fine;
   CExpressly provided no compensation for the attorney fees, litigation fees, arbitration fees, fines, penalties or punitive damages, and without the prior written consent of insurance inspection fees, appraisal fees, assessment fees.
   AThere is no such provisions. Therefore,AIn this regard the insured for the most favorable,CThe most unfavorable.
3,BNot damage compensation single mirror or light,AAndCWithout this provision.BWorst
Three, the exemption scope of different
The liability of family members caused the loss of personal property exemption, three slightly different terms
AParagraph: relieved of liability of the insured and the family members of the loss of personal property.
BParagraph: exemption from liability of the insured and members of their families, which allows the driver and members of their families and personal property losses.
CParagraph: exemption from liability of the insured and allows the driver property loss.
AMarket share74.7PICC, China United%, Huatai, Cheonan, Yongan, earth, sun, Ampang etc.11Company adoptedAA car insurance, the company accounted for about Chinese auto insurance market share74.7%,

Ping An, Huaan, Taiping, Yongcheng, sunshine agriculture, Du Bang, Bohai, Guangzhou etc., Allianz, CAS13Companies chooseBParagraph, the company accounted for about Chinese auto insurance market share13.7%;



The current insurance clause and insurance companies are unified, is set by the Chinese Insurance Industry Association, the China Insurance Regulatory Commission approved the China. Unified insurance clauses intoA,B,CThree, the insurance company according to their own needs. The content of this three kinds of insurance clauses are different, the majority of owners do not just look at the price, should study carefully the relevant provisions, so as not to buy insurance to insurance. Our preliminary research results, on the protection of the insured person level,ABest,BThe second paragraph,CThe most difference.BAndCWill the insured does not assume responsibility for the accident insurance does not compensate as a special clause,CAlso will not be liable for legal fees, legal fees, appraisal fees as a special clause.
Health insurance Taibao, silver5The company choseCParagraph, the company accounted for about Chinese auto insurance market share11.6%.
Balance, Japanese insurance and other three companies did not choose to useA,B,CParagraph.


AMarket share74.7%The people's InsuranceChina United, Huatai, Cheonan, Yongan, the earth, the sun,AnbangEtc.11Company adoptedAA car insurance, the company accounted for about Chinese auto insurance market share74.7%,


Safety, Huaan, Taiping, Yongcheng, sunshine agriculture, Du Bang, Bohai, Guangzhou etc., Allianz, CAS13Companies chooseBParagraph, the company accounted for about Chinese auto insurance market share13.7%;


Health insurance Taibao, silver5The company choseCParagraph, the company accounted for about Chinese auto insurance market share11.6%.


Balance, Japanese insurance and other three companies did not choose to useA,B,CParagraph.

[Host]The new version of the commercial insurance DivisionA,B,CParagraph, what is the difference? As consumers should be how to choose?


[Dong wave] A,B,CThe three paragraph isThe main products of the market based onFormulation, in fact from the risk factor set and product structure, franchise or coverage to threeNo big difference, just toUnit, individual or comprehensive insuranceMay be slightly different. I think in the process of product selection in the price is not the most important, most main is your commitment can not be fulfilled, or you can offer this service.


[Dong wave]Another point is that just said, the industry standard is not to cover all things, we also encourage innovation, the development of personalized products, more rich and perfect product system. Consider from the consumer point of view, in addition to buy things, based on common things, you have what thing. So in order to encourage companies to standardize competition, establish their own brands, to innovation, to provide better, more value-added services, so that promote the development of the whole industry, but also solve a lot of problems in our market.


[Host]After the director Dong just talked about innovation of our fight is the service, that don't know horse, don't understand the after sale service which requirements?


[The horse]In fact, I think friends are more concerned about the issue is that there is a connection between compulsory insurance and commercial three party insurance, because I see the new insurance provisions to determine the traffic accident responsibility to write clearly, including negative total liability insurance vehicle, there is70%,50%,30%, liability is not negative in the insured vehicle without responsibility in case the insurance company. But this and the cross strong insurance is not the same, what do you think of this problem?


[Dong wave]This is the two problems, one is the cross strong insurance problem, one is the compulsory insurance and commercial insurance problem. First of all I want to say something about the cross strong insurance problems,2006Years after the implementation of the limits of liability, set Is it right? Meet the need, I remember when we set a limit of liability of this has been extensive research, because such a liability insurance should consider not only the developed area, but also consider the development in the area. Our country is very big, we should consider not only the eastern, but also consider the West; not only to consider the city population, but also consider the rural population. Limit and cross strong insurance liability limit as the legal provisions of the state must be guaranteed, we may not be the difference of the limits of liability, we must reflect the people-oriented spirit, to reflect fair spirit.


[Dong wave]Second, strong insurance to pay this price should fully consider the ability of social bearing, mainly refers to the capacity of consumers, we know that the "traffic law" after the introduction, weigh can feel, the law of compulsory insurance coverage than the commercial insurance three Xian Chengbao range more widely, increased from the scope of insurance, the proportion also increased. Because of the injury judicial interpretations of the people's Republic of China, personal injury compensation ratio increases, the project also increased. With the increase of these problems, must make the risk of strong price matching with these aspects, to ensure a higher and more wide cross strong insurance coverage, it must have a relatively higher level matching, price support.


[Dong wave]We also compare, and in the development process to solicit the relevant ministries, relevant departments and consumers, to determine the6Limit of liability million such limits, this responsibility is a basic guarantee. Some people think that Is it right? My insurance compulsory insurance and commercial insurance is not it? I think this is not desirable. Especially in the developed area, or through commercial insurance forms to make up for the lack of cross strong insurance underwriting liability limit.


[Dong wave]Third, countries, including China, compulsory insurance system as an innovation mechanism, and defined in the form of law, we should take a step by step manner, so is the foreign. The limits of liability set is with the change of economic development level and gradually increase. For example, our country region of Taiwan, neighboring South Korea, Japan, the limits of liability standard is improving gradually from the early days to the present, and it is with the development of national economy, with the level of national income, consumption capacity increases gradually improved. This limit we set is not immutable and frozen, along with social development and the gradual development of the.


[Dong wave]The second problem is to answer the compulsory insurance and commercial insurance problem. I have just answered, compulsory insurance is a kind of foundation, every citizen must be insured, which is compulsory insurance, in addition to each person to purchase commercial insurance according to their own economic situation selective, it is not mandatory, buy business includes car caustic danger, commercial three party insurance, including industry and even the company's innovative products, this is a personal choice to buy according to their own actual situation.

2006Version of commercial insurance(A,B,C)In the,APayment for additional risk daochengjian,B,CTwo kinds of commercial insurance in pilfer can be purchased separately. Industry insiders, the main risk is that customers can buy separately, and additional risks additional products of a product, if you want to buy the product, so the premise is must buy insurance, so that a part do not need to buy the insurance policy holders to purchase additional insurance premium of additional spending part, new business car insuranceA,B,CTerms are daochengjian as insurance.