After the auto insurance purchase, it cannot be effective in time, the high insurance is low, and the third party liability insurance does not include the owner or the driver's family... These “overlord clauses†may be abolished. The China Insurance Industry Association recently announced the draft of the 2014 version of the commercial auto insurance industry model clause, and publicly solicited opinions before March 5. Among them, the three major changes are closely related to the owners of Yangcheng, this newspaper for your interpretation.
Change one
"High security and low compensation" changed to "real security compensation"
When the owner of the vehicle purchases insurance for the purchased vehicle, he/she needs to insure according to the purchase price of the new vehicle. When the vehicle is insured or the accident occurs, the insurance company can only compensate according to the actual value of the vehicle. This is the "high security and low compensation" for commercial auto insurance.
The reporter learned that in terms of insurance amount and compensation treatment, the draft of the consultation clearly stipulates that “the insurance amount of the car damage insurance is determined according to the actual value of the insured motor vehicle at the time of insurance. In the event of all losses, the insurance amount is used as the basis for calculating the payment. In case of partial loss, the compensation shall be calculated within the insurance amount according to the actual repair cost."
"For example, a car that has been in use for 5 years, the price of the new car is 150,000 yuan, and the actual estimate after 4 years of use is 80,000 yuan. In the past, the owner of the car was insured for 150,000 yuan to pay the premium, and the total loss claims At the time, it only pays 80,000 yuan. According to the new clause, the future owner of the vehicle must only pay 80,000 yuan according to the actual estimate of the vehicle when the vehicle is insured, and the corresponding payment is also 80,000 yuan. "The city's automotive industry insider Zhu Xueyu explained.
Change two
“Insured†is included in the scope of third parties
At the same time, in response to the issue of “no liability, no compensationâ€, the draft of the stipulations stipulates that “if the third party claims damages to the insured motor vehicle and the insured claims to the third party, the insurer shall actively assist and be The insurer can also claim directly from the insurance company."
According to industry analysts in the city, in 2013, the number of cases involving auto insurance in the country reached more than 600,000. Many cases were caused by insufficient regulations or ambiguity in auto insurance clauses. This revision clearly states that the third party “does not include the insured motor vehicle and the insured person†and essentially includes the “insured person†into the third party.
The "Opinions" clarified that the scope of "personnel on board" is "the moment in which an accident occurs, in the body of the insured motor vehicle or on the body of the vehicle, including those who are getting on and off the vehicle." In the exemption of commercial auto insurance clause liability, the “insured person and the driver’s family member’s personal injury and death†in the three risks are included in the coverage, which means that the car has been included in the insurance coverage.
Change three
“From zero to zero†becomes “immediately effectiveâ€
The draft of the opinion further expanded the scope of insurance liability, such as the damage of the mirror light, the falling of the vehicle, the legal expenses and the additional danger of renting the car and the disappearance of the car, etc., which were incorporated into the main insurance liability; 23 actual consumers were deleted. Risk protection does not mean much or additional insurance for value-added services provided by some insurers, such as additional tire replacement services, additional fuel delivery, charging services, additional trailer services, etc.; additional "additional third-party special insurance" additional insurance.
“The new version of the terms has re-integrated the scope of responsibility, which is more understandable and more grounded.†According to industry analysts, this will help reduce the “difficulties of choice†when consumers are insuring commercial auto insurance.
In addition, in order to meet the insurance consumer's “instant effect†on the insurance policy, the amendment to this clause deletes the agreement of “the next day is effective at zero hours†in the insurance policy, and follows the principle of freedom of contract, allowing the insured to start at zero hour. Choose between "or immediate effect".
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