From July 1st, the national commercial auto insurance reform was fully implemented. Following the reform of the first batch and the second batch of provincial and municipal pilot commercial auto insurance premiums, the third batch of provinces and municipalities such as Beijing implemented the reform of the provinces and municipalities that implemented commercial vehicle reforms.
After the commercial auto insurance reform, the premiums were linked to the number of traffic violations and the zero-to-vehicle ratio based on the number of accidents: the serious traffic violations such as red light and speeding will increase the auto insurance rate, up 45%; zero Luxury cars with higher overall ratios will also face higher premiums. In addition to the different methods of calculating premiums, some insurance clauses have also been reformed. Let us now understand how the commercial vehicle insurance after the reform is different from the previous one.
The calculation of premium calculations varies or varies from person to person. The premium is linked to the floating coefficient of the claims record: the floating coefficient of the national commercial auto insurance reform auto insurance claims is between 0.6 and 2.0, and the Beijing floating range is wider, with a claim coefficient of 0.4-3.0. The claim coefficient can be simply understood as: if the insurance does not occur all the year round, you can make a 60% discount on the benchmark rate, and the number of risk trips is twice the benchmark rate. The lowest rate in Beijing is 40%, up to 3 times the benchmark rate.
Today, the auto insurance reform has been implemented in full 18 provinces and municipalities. The premiums are linked to the vehicle zero ratio: the automobile zero ratio refers to the ratio of the price of auto parts and the sales price of the whole vehicle. In general, the zero ratio of luxury models will be much larger than that of ordinary models. After the reform of the commercial auto insurance rate, the premium will be linked to the vehicle zero ratio and will no longer be directly related to the car price. The higher the “zero ratio†coefficient, the higher the cost of compensation, the higher the corresponding premium.
Premiums are linked to the number of traffic violations (Beijing only): After the reform of the commercial auto insurance rate, the premium will be linked to the number of traffic violations such as red light and speeding. When the red light is more than 3 times, the rate is increased by 5%; the speed is 50% once and above, the rate is increased by 15%, and the traffic violation coefficient can increase the insurance rate by up to 45%.
The insurance clauses are adjusted to solve the problem of “high security and low compensationâ€. If you do not have the card, you can also compensate: In order to meet the “instant effect†of the insurance policy, the clause deletes the agreement of “the next day is effective at the time of the next dayâ€. Follow the principle of freedom of contract and allow the insured to choose between “zero-time protection†or “immediate effectâ€.
Self-family is also included in the scope of coverage: The new clause stipulates that if an insured claims a third-party claim for damage to an insured motor vehicle, the insured shall actively assist the insured, and the insured may directly Insurance company claims. The new clause expands the scope of insurance liability. In the exemption of commercial auto insurance clause liability, the “insurance, driver’s family members’ personal injury and death†in the three risks is included in the coverage, which means that the car is also included in the car. Coverage.
Natural disasters can be compensated for: In case of accidental injury to the vehicle, compensation can be paid for natural disasters such as hail, typhoon, blizzard, and car damage caused by accidental impact of cargo and people on board.
The old car is insured according to the depreciation price: the original high insurance and low compensation, that is, no matter how many years have passed, the insurance vehicle must pay the premium according to the new car purchase price when insured, but only pay the proportion when paying the compensation, but after the reform The determination of premiums is out of line with the purchase price of new cars. For example, the price of a new car is 50,000 yuan, and the insurance is 50,000 yuan. After two years, it will be insured according to the depreciation price, no longer 50,000 yuan.
Unable to find third-party special insurance: The new insurance clause also added “cannot find third-party special insuranceâ€. After the auto insurance reform, the third-party accident could not be claimed.
Insurance companies on behalf of the recovery: Insured car owners in the event of a car accident, if the other party is fully responsible, but the other car owners insured or insufficient compensation, you can let your insurance company pay first, then the insurance company is responsible for recovering from the other party.
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