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A kind of insurance widely carried out in China is the insurance that takes automobiles, trams, battery cars, motorcycles, tractors and other motor vehicles as the subject matter of automobile insurance. Vehicle insurance can be divided into commercial insurance and compulsory insurance. Commercial insurance includes vehicle main insurance and additional insurance.
The main risks of commercial insurance include vehicle loss insurance, third party liability insurance, vehicle personnel liability insurance and vehicle theft and rescue. Motor vehicle loss insurance covers the insured vehicle.
An insurance in which the insurer pays compensation for the loss of the insured vehicle itself caused by natural disasters or accidents within the insurance scope in accordance with the provisions of the insurance contract. Motor vehicle third-party liability insurance, for the insured or its allowed qualified drivers in the process of using the insured vehicle, causing personal injury or property losses to a third party, the amount that should be paid by the insured according to law is also compensated by the insurance company. Vehicle theft and rescue refers to
(1) The insured motor vehicle (including the insured trailer) whose whole vehicle is stolen, robbed or robbed has not been found for 60 days after investigation by the criminal investigation department of the public security at or above the county level;
(2) the reasonable expenses for repairing the whole vehicle or causing the loss of parts and accessories on the vehicle after the motor vehicle is stolen, robbed or robbed;
(3) In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insurer to prevent or reduce the loss of the insured motor vehicle shall be borne by the insurer, and the maximum amount shall not exceed the insured amount. The losses in three cases are compensable. On-board personnel liability insurance refers to the cost loss caused by the accident of the insured vehicle (not intentional by the actor, but unforeseen and irresistible emergencies cause casualties or property losses), and the necessary and reasonable rescue and protection expenses paid to reduce the losses, and the insurance company shall be liable for compensation.
Additional risks include glass breakage alone, vehicle stop loss, spontaneous combustion loss, new equipment loss, engine water intake insurance, no-fault liability insurance, scooter expense insurance, car body scratch loss insurance, special clauses excluding franchise, and on-board cargo liability insurance.
2 Origin and development
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(A) the origin of vehicle insurance
Foreign automobile insurance originated in the middle and late19th century. At that time, with the emergence and development of automobiles in some European countries, accidental injuries and property losses caused by traffic accidents increased. Although some countries have taken some control measures, the use of automobiles still poses a serious threat to people's lives and property safety. Therefore, some smart insurance companies pay attention to automobile insurance.
1896165438+1October, an insurance information form released by the Scottish employers' insurance company in the United Kingdom announced the large-scale activities from London to Brighton165438+1October 14 to celebrate. In this insurance information, the "annual rate of automobile insurance premium" was also announced.
The earliest automobile insurance business was "statutory accident insurance company limited" in Britain. 1898, the company took the lead in introducing automobile third-party liability insurance, which can be supplemented by automobile fire insurance.
By 190 1 year, the automobile insurance policy provided by insurance companies has initially met the requirements of modern comprehensive liability insurance, and the insurance liability has also been extended to automobile theft.
(B) the development of foreign vehicle insurance
At the beginning of the 20th century, the automobile insurance industry developed rapidly in Europe and America. 1903, Britain established "General Motors Insurance Company" and gradually developed into a large-scale specialized automobile insurance company.
1906, 190 1 established the automobile alliance and also established its own "automobile alliance insurance company".
By 19 13, auto insurance has been extended to more than 20 countries, and auto insurance rates and underwriting methods have basically been standardized.
1927 is an important milestone in the development history of automobile insurance. The promulgation and implementation of the world-famous Compulsory Automobile (Liability) Insurance Law in Massachusetts, USA, marks the beginning of the transformation of automobile third-party liability insurance from voluntary insurance to statutory compulsory insurance. Since then, the statutory automobile third-party liability insurance has rapidly spread to all parts of the world. The widespread implementation of statutory third-party liability insurance has greatly promoted the popularization and development of automobile insurance. Car damage insurance, theft insurance and freight insurance have also developed.
Since 1950s, with the rapid expansion of automobile manufacturing in Europe, America, Japan and other countries, motor vehicle insurance has also been widely developed and become the most important commercial insurance in all countries. By the end of 1970s, automobile insurance had accounted for more than 50% of all property insurance. ?
(3) The development course of automobile insurance in China?
1. Germination period
The development of automobile insurance business in China has experienced a tortuous process. Automobile insurance entered China after the Opium War. However, due to the monopoly and control of foreign insurance companies on China's insurance market, and the underdeveloped industries in old China, China's automobile insurance is essentially in its infancy, and its role and position are very limited. ?
2. Trial period
1950 after the founding of new China, the newly established People's Insurance Company of China started auto insurance. However, due to insufficient publicity and biased understanding, disputes about this insurance soon emerged. Some people think that auto insurance and third-party liability insurance will give economic compensation to the perpetrators, lead to an increase in traffic accidents and have a negative impact on society. As a result, China People's Insurance Company stopped its auto insurance business on 1955. It was not until the mid-1970s that foreign-related automobile insurance business was started in order to meet the automobile insurance needs of foreigners such as embassies and consulates in China. [ 1]
3. Development period
From 65438 to 0980, when China's insurance industry resumed business, China People's Insurance Company gradually resumed its auto insurance business which had been interrupted for nearly 25 years in order to meet the needs of domestic enterprises and units for auto insurance and the objective needs of the rapid development of highway transportation industry and the increasingly frequent accidents. But at that time, auto insurance only accounted for 2% of the property insurance market. At present, PICC has developed into a comprehensive insurance company, and in terms of scale premium, property insurance business still accounts for the majority. The Group's property insurance products cover different categories, among which auto insurance business is the most important? Based on the original insurance premium income, the auto insurance business accounts for about 70% of the property insurance business?
With the development of reform and opening up, great changes have taken place in social economy and people's lives. With the rapid popularization and development of motor vehicles, motor vehicle insurance business has also developed rapidly. 1983 auto insurance is changed to motor vehicle insurance, which is more adaptable. In the next 20 years, motor vehicle insurance has been playing an important role in China insurance market, especially in property insurance market. By 1988, auto insurance premium income exceeded 2 billion yuan, accounting for 37.6% of property insurance, surpassing corporate property insurance for the first time (35.99%). Since then, auto insurance has always been the largest type of property insurance, and maintained a high growth rate. China auto insurance business has entered a period of rapid development. In the first half of 20 14, PICC P&C's auto insurance turnover reached 90.775 billion yuan, up 14.4% year-on-year.
At the same time, the terms, rates and management of motor vehicle insurance are becoming more and more perfect, especially the establishment of China Insurance Regulatory Commission, which has further improved the terms of motor vehicle insurance, strengthened the supervision of rates, insurance documents and insurers' business activities, accelerated the construction and improvement of motor vehicle insurance intermediary market, and played a positive role in comprehensively regulating the market and promoting the development of motor vehicle insurance business.
3 automobile insurance classification
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It is an unvalued insurance, which is divided into basic insurance and additional insurance, among which the additional insurance cannot be insured independently. Basic insurance includes third party liability insurance and vehicle loss insurance (vehicle damage insurance); Additional risks include vehicle theft, vehicle liability insurance, no-fault liability insurance, vehicle cargo falling liability insurance, glass breakage insurance, vehicle stop loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, special insurance without deductible, etc. What we usually call compulsory insurance for motor vehicle traffic accidents also belongs to third party liability insurance in a broad sense. Compulsory insurance is compulsory insurance. Motor vehicles must be purchased before they can go on the road. When the third party needs to pay for the loss, it must pay for other types of insurance first.
Compulsory Traffic Accident Liability Insurance for Motor Vehicles
Compulsory traffic accident liability insurance is the first compulsory insurance system implemented by national laws in China.
The Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance [hereinafter referred to as the Regulations] stipulates that compulsory traffic insurance is compulsory liability insurance in which insurance companies compensate victims [excluding people on board and the insured] for personal injuries and property losses caused by road traffic accidents of insured motor vehicles within the limits of their liability.
Vehicle loss insurance
Vehicle loss insurance means that the insured vehicle suffers from natural disasters (excluding earthquakes) or accidents within the scope of insurance liability, resulting in the loss of the insured vehicle itself, and the insurer makes compensation according to the provisions of the insurance contract. This is the opposite of a third party. It is self-care. If you cherish your car, you should buy it.
Third party liability insurance
Responsible for the liability for compensation for personal injury or direct loss of property of others (that is, third parties) caused by accidents involving the use of insurance vehicles. The biggest fear when driving is to crash or hit someone. Not counting the loss of your car, you have to spend a lot of money to compensate others for their losses. Because compulsory insurance (2008 edition) has low compensation for medical expenses and property losses of third parties, after purchasing compulsory insurance, we can still consider purchasing third party liability insurance as a supplement.
Vehicle theft and emergency rescue
Theft and rescue, full name of motor vehicle theft and rescue. The loss of the vehicle caused by the theft, robbery and robbery of the whole vehicle during the period of theft, robbery and robbery, and the reasonable expenses for being damaged during the period of theft, robbery and robbery, or the expenses for repairing the lost parts and accessories on the vehicle.
Vehicle liability insurance
Be liable for the personal injury or death of the insured vehicle and the direct damage to the goods carried on the vehicle caused by the accident. Among them, the liability for personal injury and death in the car used to be accident insurance for drivers and passengers.
No-fault liability insurance
If one party of the insured vehicle has a traffic accident with a non-motor vehicle or pedestrian while using the insured vehicle, causing casualties and direct property losses to the other party, it shall not be liable for compensation. If the insured refuses to pay compensation, the insurance company will calculate the compensation within the insurance compensation limit specified in the insurance policy according to the Measures for Handling Road Traffic Accidents and the local standards for handling road traffic accidents. Every compensation has an absolute deductible of 20%.
Declining liability insurance
Be responsible for the economic compensation caused by the loss of goods during the use of the insured vehicle, resulting in personal injury or direct loss of property to a third party. The liability for compensation is calculated within the insurance compensation limit specified in the insurance policy. Every compensation has an absolute deductible of 20%.
Scratch risk
Scratch insurance is vehicle scratch insurance, which is a kind of additional insurance. It is mainly used as a supplement to car damage insurance and can provide effective protection for car body scratches caused by unexpected reasons. Scratch insurance is aimed at scratches on the paint surface of the car body. If the collision marks are obvious, there are cuts and pits, this is not a scratch, but the scope of claims for car damage insurance.
Separate glass breakage risk
Glass breakage insurance is a kind of commercial insurance in which the insurance company is responsible for compensating the glass breakage loss of the vehicle itself during the use of the insured auto insurance. The owner must pay attention to the word "single", which means that the insurance company can only compensate if the windshield and window glass (excluding headlights and rearview mirror glass) of the insured vehicle are damaged. If the owner wants to know how much the glass is broken by one person, he can calculate the price through the following auto insurance calculator, and also take this opportunity to compare which insurance company's auto insurance price is more affordable, so as to help the owner choose the insurance company that suits him best.
Vehicle stop loss insurance
If the insured vehicle has an accident within the scope of vehicle loss insurance, resulting in damage to the car body and suspension of the vehicle, the insurance company shall make the following compensation as required:
(1), the insurer shall, within the repair time agreed by both parties, calculate the compensation according to the daily compensation amount agreed in the insurance policy multiplied by the actual number of days from the date of repair to the date of completion of repair;
(2) If the whole vehicle is damaged, the compensation shall be calculated according to the compensation limit agreed in the insurance policy;
(3) During the insurance period, the cumulative calculation of the above compensation is limited to the maximum compensation days stipulated in the insurance policy. The maximum agreed payment days of this insurance is 90 days, and the biggest feature of vehicle stop-loss insurance is that the rate is very high, reaching 10%.
Risk of spontaneous combustion loss
Spontaneous combustion insurance, that is, "spontaneous combustion loss insurance", is an additional risk of car damage insurance. Autoignition insurance can only be insured after car damage insurance. During the insurance period, the insurance company will compensate the insured vehicle for the losses caused by problems in its circuit, circuit, oil circuit, oil supply system and goods itself, as well as the fire caused by friction during the operation of the motor vehicle, and the reasonable rescue expenses that the insured must pay to reduce the losses of the insured vehicle when an insurance accident occurs.
Equipment loss insurance
If an insurance accident within the scope of vehicle loss insurance causes direct losses to vehicles, the insurance company shall calculate compensation according to the actual losses. If the newly-added equipment is not insured by this insurance, the insurance company will not be liable for the loss.
Special insurance excluding deductibles
This kind of insurance can only be insured on the basis of both vehicle loss insurance and third party liability insurance. If the motor vehicle insured by this special insurance accident causes compensation, the insurer shall be responsible for compensation within the amount conforming to the compensation provisions and the deductible calculated according to the provisions of the basic insurance clauses. In other words, after taking out this insurance, the insurance company will pay all the losses in the vehicle loss insurance and the third party liability insurance. This is a very good insurance only in 1997. Its value is reflected in: if you don't insure this insurance, the insurance company should distinguish the responsibilities when compensating losses within the scope of car damage insurance and third party liability insurance: if you take full responsibility, you will pay 80%; Take the main responsibility and pay 85%; Pay 90% for the same responsibility; Take secondary responsibility and pay 95%. The other 20%, 15%, 10% and 5% of the accident losses need to be paid out of their own pockets.
4 automobile insurance claim
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A clear copy of the "three certificates and one form" of the motor vehicle carried with the vehicle, namely the owner's ID card, driver's license, driving license and insurance policy. I would like to remind you that the insurance cards of many insurance companies are no longer used as proof of claims.
Second, it is very important to report accidents in time, especially major accidents. When you call an insurance company to report a case, you need to provide basic information such as policy number, time and place of the accident, and nature of the accident.
Three, temporary license vehicles generally only apply for short-term insurance, and there is a prescribed route and time, accident insurance companies will not be liable for compensation within the prescribed route and time.
Four, when the vehicle is out of danger in different places, it should be reported to the insurance company in a timely manner, and the loss-fixing personnel at the place where the vehicle is out of danger will conduct survey and determine the loss. The compensation fee is generally valued according to the industry standard of the place where the accident occurred. If local damage is found only after returning to the insured place, the insurance company can make up the compensation for this part of the repair fee.
Five, the insured if you want to entrust the repair shop for compensation, or the accident compensation fee directly allocated to the repair shop, should personally sign the power of attorney, and report to the insurance company for the record. Every time you sign a quality contract with the repair shop, you can safeguard your legitimate rights and interests.
5 purchase precautions
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First, don't repeat insurance.
Car owners should avoid repeated insurance when handling auto insurance. Some car owners may think that they are more likely to get out of danger in some way, so they will take out this insurance again, thinking that they can get repeated compensation. In fact, this idea is wrong. Even if the owner has repeatedly insured a type of insurance, he will not get too much compensation when making compensation.
Second, don't be over-insured or under-insured.
Some car owners, obviously with a vehicle value of 6.5438+10,000 yuan, have taken out insurance of 6.5438+0.5 million yuan, thinking that they can pay more if they spend more money. Some cars are worth 200,000 yuan, but they are insured for 6,543,800 yuan. Neither of these two insurances can be effectively guaranteed. According to Article 39 of the Insurance Law: "The insured amount shall not exceed the insured value. If it exceeds the insured value, the excess is invalid. If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall be liable for compensation in proportion to the insured amount and the insured value. " Therefore, no matter whether it is over-insured or under-insured, no additional benefits can be obtained.
Third, insurance should preserve its value.
In order to save the premium, some car owners want to cover less risks, or only car damage insurance, not third party liability insurance, or only main insurance, not additional insurance, etc. In fact, all kinds of insurance have their own insurance responsibilities. If the vehicle really has an accident, the insurance company can only assume the insurance liability to compensate according to the insurance contract originally concluded, and some other losses of the owner may not be compensated.
Fourth, update in time.
Some car owners can't renew their insurance in time after the insurance contract expires, but unexpected things have happened. In case there is an accident in the vehicle these days, it is not too late to regret it.
Five, to carefully review the insurance documents.
When receiving insurance documents, we must carefully check whether the third copy of the documents is printed with white carbonless carbon paper and printed with a light brown anti-counterfeiting background, whether the words "China Insurance Regulatory Commission producer" are printed in the upper left corner, and whether the words "limited to sales in XX province (city, autonomous region)" are printed in the upper right corner. If not, you can refuse to sign the bill.
Six, pay attention to the authenticity of the audit agency.
When you apply for insurance, you should choose an institution affiliated to an insurance company recognized by the state. You can't just find an insurance agency to apply for insurance, and you can't be tempted by the so-called "high return". You just want to make a small profit and be fooled by a fake agent.
Seven, check the policy.
After completing the insurance formalities and obtaining the original insurance policy, you should check the items listed in the insurance policy in time, such as license plate number and engine number, and correct any mistakes and omissions immediately.
Eighth, carry your insurance card with you.
The insurance card should be accompanied by insurance.
Remember the validity period of insurance and renew it in advance.
Ten, pay attention to Mo Sheng's "cheat compensation" trick.
There are very few people who always want to take insurance as a shortcut to get rich. For example, some people take out insurance first, some people cause accidents artificially, and some people forge, alter or add invoices and vouchers for car repair and medical treatment, all of which belong to the category of insurance fraud and are illegal. Therefore, car owners should never "be smart" on these issues.
Eleven, the definition of the third party in auto insurance, should exclude family members.
There is such a provision in the insurance company's exclusion liability that "the insured or its licensed driver and his family are killed or injured, and the property owned or kept by him is lost". When an automobile accident occurs, the driver, his family and the insured's family are not within the scope of a third party. The provisions of the auto insurance clause are to prevent the insured from intentionally hurting family members in order to obtain insurance money.
6 matters needing attention in claim settlement
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First, report the case in time. After a traffic accident, the owner should protect the scene, report the accident to the insurance company within 48 hours, truthfully state the accident situation, provide an insurance policy, wait for the surveyors of the insurance company to visit the scene and fill out the claim application form.
Second, understand the scope of visa refusal and visa exemption.
Third, it is not cost-effective to claim too little loss. Because when the auto insurance is renewed, the insurance company has a premium discount clause, that is, the vehicle can enjoy a premium discount of about 10% when it is renewed in the second year; If there is no accident record for several years in a row, the premium discount can reach up to about 30%.
Fourth, the road accident, first 1 10, let the traffic police report to the repair shop. A full set of repair shops will do.
Fifth, non-road accidents (residential areas): write your own certificate and then find the local police station to stamp it.
6. Bicycle accident: 1 10 Pay the traffic police bill first ~ then find a repair shop. Some insurance companies need to see the scene, some don't, some don't go directly to the repair shop, and some need to report to the insurance company to see the car.
7. Compulsory insurance regulations were promulgated and implemented.
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Regulations on compulsory liability insurance for motor vehicle traffic accidents
The State Council Decree No.462 signed by Wen Jiabao, Prime Minister of the State Council, China, promulgated the Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents.
The Regulation on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents has been adopted at the127th executive meeting in the State Council on March 6, 2006, and is hereby promulgated and shall come into force as of July 6, 2006.
8 Detailed Rules for Compulsory Traffic Insurance Regulations
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Chapter I General Provisions
Article 1 These Regulations are formulated in accordance with the Road Traffic Safety Law of the People's Republic of China and the Insurance Law of People's Republic of China (PRC) in order to ensure that the victims of motor vehicle road traffic accidents get compensation according to law and promote road traffic safety.
Article 2 The owner or manager of a motor vehicle driving on the road in People's Republic of China (PRC) shall handle compulsory motor vehicle traffic accident liability insurance in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.
These Regulations shall apply to the insurance, compensation, supervision and management of compulsory motor vehicle traffic accident liability insurance.
Article 3 The compulsory motor vehicle traffic accident liability insurance mentioned in these Regulations refers to the compulsory liability insurance in which the insurance company compensates the victims except the vehicle personnel and the insured for personal injuries and property losses caused by the road traffic accident of the insured motor vehicle within the limit of liability.
Article 4 The the State Council Insurance Regulatory Authority (hereinafter referred to as the China Insurance Regulatory Commission) shall supervise and administer the motor vehicle traffic accident liability compulsory insurance business of insurance companies according to law.
The traffic administrative department of the public security organ and the competent department of agriculture (agricultural machinery) (hereinafter referred to as the motor vehicle administrative department) shall supervise and inspect the participation of motor vehicles in compulsory liability insurance for motor vehicle traffic accidents. Motor vehicles that have not participated in compulsory motor vehicle traffic accident liability insurance shall not be registered by the motor vehicle management department, and shall not be inspected by the motor vehicle safety technical inspection agency.
The traffic administrative department of the public security organ and its traffic police shall, when investigating and handling road traffic safety violations and road traffic accidents, check the insurance signs of compulsory motor vehicle traffic accident liability insurance according to law.
Chapter II Insurance
Article 5 With the approval of the China Insurance Regulatory Commission, Chinese-funded insurance companies (hereinafter referred to as insurance companies) may engage in compulsory motor vehicle traffic accident liability insurance business.
In order to ensure the implementation of compulsory motor vehicle traffic accident liability insurance system, China CIRC has the right to require insurance companies to engage in compulsory motor vehicle traffic accident liability insurance business.
Without the approval of the China Insurance Regulatory Commission, no unit or individual may engage in compulsory motor vehicle traffic accident liability insurance business.
Article 6 Compulsory motor vehicle traffic accident liability insurance shall implement uniform insurance clauses and basic insurance rates. The China Insurance Regulatory Commission shall, in accordance with the principle that compulsory motor vehicle traffic accident liability insurance business is generally unprofitable and loss-free, approve the insurance premium rate.
When examining and approving the insurance premium rate, the China Insurance Regulatory Commission may engage relevant professional institutions to make an assessment, and may hold a hearing to listen to public opinions.
Article 7 The compulsory motor vehicle traffic accident liability insurance business of an insurance company shall be managed and accounted for separately from other insurance businesses.
China CIRC will inspect the compulsory insurance business of motor vehicle traffic accident liability of insurance companies every year and announce it to the public; According to the overall profit and loss of the motor vehicle traffic accident liability compulsory insurance business of the insurance company, the insurance company may be required or allowed to adjust the insurance rate accordingly.
If the premium rate is substantially adjusted, the China CIRC shall hold a hearing.
Article 8 If the insured motor vehicle has no road traffic safety violations or road traffic accidents, the insurance company shall reduce its insurance premium rate in the next year. In the following years, if the insured motor vehicle still has no road traffic safety violations and road traffic accidents, the insurance company shall continue to reduce its insurance premium rate to the minimum standard. If the insured motor vehicle has a road traffic safety violation or a road traffic accident, the insurance company shall raise the insurance premium rate in the next year. In case of repeated road traffic safety violations, road traffic accidents and major road traffic accidents, the insurance company shall raise the insurance premium rate. If the insured is not at fault in the road traffic accident, the insurance premium rate will not be increased. The standards for lowering or raising the insurance premium rate shall be formulated by the CIRC of China jointly with the public security department of the State Council.
Article 9 The China Insurance Regulatory Commission, the public security department of the State Council, the competent agricultural department of the State Council and other relevant departments shall gradually establish a mechanism for compulsory motor vehicle traffic accident liability insurance, road traffic safety violations and information sharing of road traffic accidents.
Article 10 When applying for insurance, the applicant shall choose an insurance company with the qualification to engage in compulsory motor vehicle traffic accident liability insurance business, and the selected insurance company shall not refuse or delay underwriting.
China CIRC shall announce to the public the insurance companies that have the qualification to engage in compulsory insurance for motor vehicle traffic accidents.
Article 11 When applying for insurance, the applicant shall truthfully inform the insurance company of important matters.
Important matters include motor vehicle type, brand model, identification code, license plate number, nature of use, name (name), gender, age, residence, ID card or driver's license number (organization code), motor vehicle accidents before renewal and other matters specified by China CIRC.
Article 12 When signing a compulsory motor vehicle traffic accident liability insurance contract, the applicant shall pay all the insurance premiums in one lump sum; An insurance company shall issue an insurance policy and an insurance mark to the insured. Insurance policies and insurance signs shall indicate the number, license plate number, insurance period, name, address and telephone number of the insurance company.
The insured shall put an insurance sign on the insured motor vehicle.
The style of insurance signs is unified throughout the country. Insurance policies and insurance signs shall be supervised by the China Insurance Regulatory Commission. No unit or individual may forge, alter or use forged or altered insurance policies or insurance signs.
Article 13 When signing a compulsory motor vehicle traffic accident liability insurance contract, the applicant shall not put forward any additional conditions other than the insurance clauses and insurance rates to the insurance company.
When an insurance company signs a compulsory motor vehicle traffic accident liability insurance contract, it shall not force the applicant to conclude a commercial insurance contract or make other requirements.
Article 14 An insurance company shall not terminate the compulsory insurance contract for motor vehicle traffic accident liability; However, unless the applicant fails to fulfill the obligation to truthfully inform important matters.
Before the insurance company terminates the contract, it shall notify the applicant in writing, and the applicant shall fulfill the obligation of truthfully informing within 5 days from the date of receiving the notice; If the applicant fulfills the obligation of truthful disclosure within the above-mentioned time limit, the insurance company shall not terminate the contract.
Article 15 If an insurance company cancels the compulsory insurance contract for motor vehicle traffic accident liability, it shall take back the insurance policy and insurance mark and notify the motor vehicle management department in writing.
Article 16 Except in the following circumstances, the applicant shall not terminate the compulsory insurance contract for motor vehicle traffic accident liability:
(1) The insured motor vehicle is deregistered according to law;
(2) The insured motor vehicle stops driving;
(3) The insured motor vehicle is confirmed to be lost by the public security organ.
Article 17 Before the termination of the motor vehicle traffic accident liability compulsory insurance contract, the insurance company shall bear the insurance liability according to the contract.
When the contract is terminated, the insurance company may collect the insurance premium from the date when the insurance liability starts to the date when the contract is terminated, and return the rest of the insurance premium to the applicant.
9 automobile insurance function
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Organizing economic compensation and realizing insurance payment are the basic functions of insurance, so is motor vehicle insurance.
With the improvement of productivity and the development of science and technology, human society has become civilized. Automobile civilization not only brings convenience to human life, but also brings property losses and personal injuries caused by accidents such as collision and overturning in automobile transportation. Not only that, with the improvement of productivity and the progress of science and technology, the losses caused by risk accidents are getting bigger and bigger, and the harm to human society is getting more and more serious. There is a great risk of natural disasters and accidents in motor vehicles, especially accidents caused by third parties, and it is difficult to make up for their own losses through self-compensation.
reference data
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.