At present, the insurance industry in China has made great progress. The main business entities of the insurance market have developed from several before to more than 100 now, and the business scope has been expanding. At present, China is also the second largest insurance market in the world. However, behind the rapid development of the whole industry, China residents are questioning the insurance industry.
First, there are fraudulent sales in the insurance industry. Because China's insurance industry pays salespeople in the form of basic salary commission, there is serious fraud in order to improve their wages and complete orders in the process of insurance sales. For example, deliberately concealing insurance conditions and compensation standards. Only when the insured customer really needs to pay the claim did he find that he was cheated.
But at this time, the insurance salesman has left his post, which is also the reason why China residents question the insurance industry. Second, the insurance industry supervision is not in place. Solvency supervision is the basis for the healthy and stable development of the insurance industry, and it is also the main content of insurance supervision in related economies. In 20 16, the second generation solvency supervision system in China began to be implemented, which means that China's insurance industry supervision has entered a new era.
In 20 17, the former CIRC issued a document to implement the second-generation compensation project, which means that the solvency supervision of the insurance industry will be stricter and more standardized. First of all, although the second-generation rules have been promulgated and implemented for a long time, in the process of solvency supervision, the solvency rules of the previous generation are still used, or scattered in other supervision methods, and the new rules are not fully used to supervise solvency.
Secondly, in solvency supervision, early warning is a more effective and energy-saving way than post-processing However, in fact, China has not paid enough attention to the solvency early warning mechanism of insurance companies. In 2003, the former China Insurance Regulatory Commission promulgated the Provisions on the Management of Solvency Limits and Supervision Indicators of Insurance Companies, which defined the solvency early warning index system in detail.
However, five years later, the early warning index system was cancelled, and so far the regulatory authorities have never defined the solvency early warning index system. Finally, the solvency adequacy ratio is a comprehensive index to compare the solvency of various insurance companies, and it is a crucial index in insurance supervision.
However, due to the relatively simple setting of this index, many key information is not in it, so it is impossible to systematically understand the solvency of insurance companies. At present, this static indicator system has been unable to adapt to the rapidly changing trading market under the new situation, the indicator design is unreasonable, many risks and factors are not reflected in the indicators, and the early warning function is getting smaller and smaller.
Third, radical competition leads to chaos. 20 16 insurance companies launched "e-health" and "Huimin insurance" in 2020, which effectively made up for the existing space of commercial insurance and medical insurance in China and also made many insurance companies see business opportunities. However, no one brought their own. Small and medium-sized insurance companies swarmed in, and the whole industry fell into disorderly competition.
Among them, the insurance products represented by "Huimin Insurance" are mostly guided by the government, but there are also many chaos. For example, insurance companies fight price wars, publicize in the name of the government, and suspend operations after launching many people's insurance products.
What is even more worrying is that in the process of operating short-term health insurance, insurance companies have the characteristic of exchanging losses for development. According to the data of China Insurance Regulatory Commission, in 20201-1month, the underwriting loss and profit rate of short-term health insurance of insurance companies were 4.0 1 1 billion yuan and -4.5% respectively. Network mutual assistance platforms similar to short-term health insurance have also been shut down. In September 2020, Baide
Just some time ago, Alipay's mutual treasure was shut down. Based on the chaos in the insurance industry, many people think that the insurance industry is deceptive. So, is insurance still worth buying now?
Insiders pointed out that insurance is still worth buying. Because there are too many types of insurance, let's take short-term health insurance as an example to analyze why today's insurance is still worth buying. Before the national rectification, short-term health insurance gave people the impression that the minimum price was high, and what you bought was what you earned. But there are actually various routines. For example, narrow the scope of drug use and reduce compensation after accidents.
And the data released by insurance companies can also prove this point. Take Zhongan Insurance Network Health Insurance as an example. In 20 19, its compensation expenses only accounted for 23% of premium income, but the reserve accounted for 77%. This also shows that short-term health insurance has the problem of low compensation ratio, which is difficult to be recognized by consumers.
However, with the standardization of short-term health insurance in China, people in the industry expect that the insured amount will be closer to medical expenses, and all kinds of "routines" in insurance will be reduced, so that consumers can get more benefits from this insurance. As for the million medical insurance and Huimin insurance products that have exploded in the past two years, the existence of these two types of insurance is to fill the gap between medical insurance and high-end commercial health insurance.
Therefore, in the future, millions of medical insurance products will develop in the direction of government supervision, medical insurance docking and local policies. Relying on the volume and data resources of the existing medical insurance system, these two types of insurance will form their own sustainable development models in the future. So from this perspective, insurance is still worth buying.
However, it must be pointed out that the CBRC, as the regulator of the insurance industry, must also give full play to its functions, strengthen the supervision of the whole industry, and severely crack down on fraud in the insurance sales process, so as to eliminate the ethos of the whole industry. Only in this way can the insurance industry in China really develop in a benign direction.
From the above analysis, there are some problems in China's insurance industry, such as fraudulent sales, inadequate supervision and chaos caused by radical competition. Therefore, China residents' trust in insurance is declining. In particular, fraud in the insurance sales process must be severely cracked down to make the whole industry evergreen.
In addition, it should be pointed out that although there are some problems in the insurance industry in China, we still recommend that you buy insurance. After all, this is your own protection. Finally, I want to ask you, do you think China's current insurance is worth buying?
Related Q&A: Is it necessary to buy auto insurance? Have you been driving for six years? The car is not new for six years, but it is not old, at least 50% new. If you are hit, you need to change the headlights, which is the same price as changing the headlights for a new car in 1 year.
Of course, new cars are precious. If it is broken, go to the 4s shop for maintenance. Repairing cars is expensive, but old cars are not so well treated. Most of them go to roadside quick repair shops for maintenance, and the price is much cheaper.
If you usually maintain it in a quick repair shop, a small scratch really doesn't cost a few dollars, and with the old driver, the probability of an accident is relatively low.
This seems reasonable.
But even if accidents are not allowed, what if there is a big accident one day?
You said the car was worthless, but it was still worth half the money. The maintenance and working hours of quick repair shops can indeed reduce a lot of money, but the difference between spare parts is not too big.
Coupled with the pricing rules of car damage insurance, the premium is not calculated according to the purchase price of new cars, but according to the depreciation price of vehicles, and the premium should be appropriately cheaper.
Miki thinks that car damage insurance can still be considered for six years, and it is quite good to buy such a combination: "compulsory insurance+commercial three-person insurance+car damage insurance+no deductible".
According to my personal experience, I bought car damage insurance in this way for your reference.
1, 65438+ a new car bought in the early days. In the first three years, the insurance company sold it to you at the face value of a new car, which was not cost-effective, but because it was a new car, it was impossible.
2, compulsory insurance must be bought, it is recommended that the three buy at least 50- 10O million;
3, car damage insurance in claims, is paid according to the value of your car, the more car damage insurance in the future, the less cost-effective;
After 4, 2 and 3 years, with the increase in the number of ordinary family cars on the market, maintenance parts are getting cheaper and cheaper. There is no need to buy car damage insurance at this time. If you buy it, you will be fooled. Of course, buying or not depends on your driving skills.
5. Obey the traffic rules and avoid scratching accidents. Buying a car is equivalent to buying car damage insurance. My car changed the front bumper once, changed the water tank once (no human fault), and didn't even touch up the paint.
The owner's car has been driving for six years. If it is more than 400,000 to 500,000, you should continue to buy car damage insurance. If it is an ordinary family car, there is no need to buy car damage insurance, because car damage insurance accounts for more than half of the total insured amount of the vehicle, which is very uneconomical.
Is it necessary to buy car damage insurance? If it is a new car, I suggest buying it. If the car is old, consider buying it. Simply put, car damage insurance can compensate your car for the vehicle-related losses caused by accidents, in which the glass is broken and the mirror is destroyed separately, which is not covered by insurance liability.
Is it necessary to buy car damage insurance? First of all, we must understand what car damage insurance is. Car damage insurance refers to an automobile commercial insurance in which the insured or its licensed driver has an insurance accident while driving the insured vehicle, resulting in damage to the insured vehicle, and the insurance company will compensate within a reasonable range.
Is it necessary for car owners to buy car damage insurance? In fact, car damage insurance is the loss when the body, parts and related equipment of motor vehicles are damaged. Its insurance liability, one is the accident liability caused by collision and the other is the vehicle damage accident caused by non-collision. The former refers to the accidental collision between the insurance vehicle and other objects, resulting in vehicle damage, such as cars hitting walls, trees, other vehicles, pedestrians and so on. , all belong to this category, not collision, generally refers to these situations.
For example, natural disasters such as floods and mudslides, accidents such as fires and explosions, and accidents caused by glaciers all fall within the scope of car damage insurance. It is precisely because of the wide coverage that the answer to the question of whether it is necessary to buy car damage insurance is definitely yes.
Since car damage insurance has so many benefits, why don't many people buy car damage insurance? Some car owners' comments on auto insurance are that car damage insurance is very deceptive, because when your car has an accident, car damage insurance has strict regulations on the scope of claims, and tires, glasses and lamps, which are very easy to break, will not be paid. Moreover, the premium in the second year will be much higher than that in the first year, so many people dare not ask the insurance company for compensation even if there are some minor accidents after buying car damage insurance, so for many old drivers, car damage insurance has no effect at all, and buying it is also a waste of money.
Car damage insurance generally applies to five situations: first, the vehicle collides and capsizes; Second, there is a fire and explosion in the vehicle; Third, the collapse or fall of external objects during driving and the parallel fall of insurance vehicles cause vehicle losses; Fourth, vehicles encounter lightning strikes, storms, tornadoes, rainstorms, floods, tsunamis, subsidence, ice subsidence, cliff collapse, avalanches, hail disasters, mudslides, landslides and other natural disasters; Fifth, under the condition that the vehicle is under the care of the driver, the ferry carrying the insurance vehicle suffers from the above-mentioned natural disasters, resulting in vehicle losses.
For minor accidents above 1K, you can use the car damage insurance once, but you can hardly lose any money, and all the car insurance benefits will be cancelled after use, which is very uneconomical. A few hundred dollars cost thousands more. So for minor accidents, car damage insurance is useless.
For major accidents, the situation 1: hit the wall and fly out of the road. You'd better buy a car if you can't avoid driving. There is no solution. In addition, it is best to buy more insurance for people.
Case 2: the other party is fully responsible for the collision and repairs the car with the other party's insurance, which has nothing to do with its own insurance.
Case 3: 50% of the collision liability, 50% of the other party's compensation in the case of three risks, and 50% of the car damage insurance. Don't buy car damage insurance, pay 50% of the car repair money yourself. Of course, this must follow the accident process and cannot hit the wall alone.
I have been driving for six years. Do you want to buy car damage insurance? I think it varies from car to car!
The so-called car damage insurance means that when your car is damaged in an accident, the insurance company will pay the repair fee. If the vehicle is scrapped, pay according to the value of the car damage insurance you bought. (Hedging is based on the purchase price and depreciated according to the service life. ) with car damage insurance, you can avoid the risk of paying for repairs. This car has been in operation for six years. If the accident maintenance fee is relatively low, it is not worthwhile to buy car damage insurance. Because you may not have an accident within a year, and in case of an accident, the maintenance fee is not a burden for you.
So, if your car is a scooter within100000, and it is a common brand, run all over the street. Because the sales volume is large, the accessories are easy to buy and the price is cheap. There are also a large number of sub-factory parts and disassembled parts. I suggest that you don't need to buy car damage insurance, because even in a big accident, the cost of repairing cars can be controlled very low.
For the following two types of cars, it is recommended to buy car damage insurance, because the accessories of these two types of cars are very expensive, the maintenance cost is very high, and there are few factory parts and disassembled parts:
1, luxury models, such as Mercedes-Benz BMW and above. Or the car price is more than300,000. This car is not very valuable. The price of a six-year-old car is not high, but it costs a lot of money to repair, because the accessories are expensive and the maintenance time of a luxury car is expensive.
2. Rare models refer to markets with few models. The price of spare parts of this kind of car is very high, and there are few parts for disassembly and auxiliary factory, so the cost of repairing the car after the accident will be very high.
Do you want to buy car damage insurance for a six-year-old car? Everyone thinks differently, so they do it differently. Some people support buying, others don't. Are you going to buy it or not? You need to make a decision according to your actual situation.
I suggest you buy car damage insurance for cars or luxury cars with higher scores. The six-year auto insurance premium will not be too high. After all, car damage insurance is based on the current car valuation. At present, some insurance companies don't like to renew their insurance for long-term cars, especially some luxury cars and models with high ratio of zero to whole. The salvage value of these cars is not high at present, but the repair cost of the accident is insanely high. The price of spare parts is very high, and the repair cost of some accidents is even close to the residual value of the car or even higher. Some imported auto parts are quite difficult to make, and the prices of all auto parts will not fall because of the depreciation of cars, so the maintenance costs of insurance companies are also very high, so naturally they don't like to renew the warranty of luxury cars with long life! This kind of car can be renewed as long as the insurance company accepts the renewal!
After all, even the oldest driver sometimes misses, and sometimes the accidental injury of the car is beyond our control. For example, after parking, someone scratches, scrapes or is damaged. If there is no third party and an insurance company underwrites it, at least you don't have to worry about the cost of repairing the car. In some minor traffic accidents, when the other party is unable to pay, the insurance company will also pay the repair fee. In recent years, the number of flooded cars has increased year by year, and a rainstorm may cause urban waterlogging. If the car is accidentally soaked (don't start it again if it is soaked), if you have car damage insurance, the insurance company will still pay the bill.
Some models with low parts ratio and low parts price, whether to buy car damage insurance depends on you! If you have confidence in your driving skills, you don't have to buy it. Obey the traffic rules, you don't violate them. In the event of a traffic accident, the other party is fully responsible, so the other party will pay for the repair. Meditate every time you drive. I have no insurance. I must obey the traffic rules. I don't drive.
If you have no confidence in your driving skills, or always run at high speed, then you should buy car damage insurance. This money really can't be saved. It is worthwhile to spend thousands of dollars on things every year without worrying.
Some models can go to a fish to search for disassembled parts before buying accessories. Many removed parts are not much different from the original parts. Even some cars are replaced directly after they are bought, such as headlights. The original headlight assembly cost more than 2,000 yuan, while the headlights removed from the original car only cost several hundred yuan: there is even a pair of headlights from 600 yuan. For those friends whose headlights are damaged, it is very cost-effective to choose this kind of headlights. For the bumper, there are also disassembled parts: the price of this disassembled part is several times cheaper than that of the original factory, and the source is more complicated. Part of it was removed from the accident car and part of it was insured. Buy it back, repair it, spray paint. Cheap and good. Similarly, many parts can be bought with disassembled parts. For some old cars, it is a cost-effective scheme to repair with disassembled parts, and the quality is much better than that of the parts of the deputy factory. Old drivers can refer to this scheme if they don't buy car damage insurance when repairing cars. Of course, if you don't buy car damage insurance, there are certain risks. After all, once an accident happens, you can only pay for it yourself. Small accidents don't cost much, but some big accidents can only bear the car damage themselves!
Old drivers don't have to buy car damage insurance, but they must buy three plus deductible. Under normal circumstances, the insurance coverage of 6,543.8+0,000 is enough. In the event of an accident, as long as it is within 654.38+0 million, the insurance company will pay the other party's losses. Being responsible for others is also responsible for yourself. You will not return to poverty immediately because of an accident, and return to before liberation overnight, so you must buy the three.
This car has been in operation for six years. Is it necessary to buy car damage insurance for auto insurance
This question is too general. If it is like a car with more than 600,000 yuan, it will still have a residual value of more than 300,000 yuan after six years. Car damage insurance is definitely a must.
Let's talk about it, for the listed models. The price of this kind of car is about10 ~150 thousand. So our example is based on a car with a price of 6.5438+0.5 million yuan. The residual value after driving for six years is about 60 thousand to 80 thousand yuan. If it is your own car, it has not been out of danger for six consecutive years, and the price of car damage insurance is still very low. So I still think it is necessary to buy car damage insurance.
I didn't get insurance for six years in a row, but bought car damage insurance, 654.38+0 million, excluding deductible, and I couldn't find a third party. Plus travel tax, pay strong insurance. A * * * costs more than 1700.
Compulsory insurance and tourist tax add up to more than 900. That's why the total cost of commercial insurance is 800 yuan.
It is not an exaggeration to spend three or four hundred dollars a year to buy a guarantee.
Car damage insurance is not only insurance against accidents with others.
Do you think you drive well and don't buy car damage insurance? Of course, you can't think so, because car damage insurance also includes vehicle wading, natural disasters, fires, explosions and so on.
If there is a lot of rain in your city, it often happens that vehicles are flooded. Or live near the factory. It is better to buy car damage insurance. After all, tens of thousands of dollars is not a small sum.
Explaining that the vehicle is flooded here does not mean that it involves water insurance. Water-related insurance refers to the engine damage caused by engine fire after the vehicle engine is flooded. If parking there is flooded, the vehicle is scrapped or repaired, which belongs to car damage insurance.
So don't limit the scope of car damage insurance to accidents with other vehicles. Balance yourself again, your living environment.
If you buy a used car, the residual value of the vehicle is only about 10 thousand yuan, consider it yourself.
If you buy a used car, the commercial insurance of 1 year is more expensive. If you spend 1 ~ 20000 yuan on a used car, there is no need to buy commercial car damage insurance.
But third-party liability insurance must be bought. You don't have to pay even if you don't buy it. I have seen many people's vehicles, and only bought three, 1 10,000. But if you don't buy it, there will be no deductible and car damage insurance. It all depends on your intention.
abstract
The residual value of the vehicle is more than 30 thousand yuan, and it has been driven by itself, and the commercial insurance price of the vehicle has reached the lowest discount. It is recommended to buy car damage insurance.
If you buy a used car below 30 thousand yuan, the commercial insurance price of the vehicle is still relatively expensive. Look at personal needs.
Hello, I'm Feng Zi, and I'm an auto mechanic.
Is it necessary to buy car damage insurance when buying auto insurance? I can say that this question is very responsible. It is very necessary to buy. Don't listen to so many so-called gods saying that cars are cheap. This car is your own. Seriously, when you have to pay for it yourself, you will understand the importance of car damage insurance.
First of all, we need to understand what car damage insurance is for. To put it bluntly, car damage insurance is used to pay for the maintenance of your own vehicle. If you have your own responsibility in the accident, you need to pay for the car repair yourself, and the insurance company will not compensate you for a penny. Even if the front bumper or headlights of a van cost hundreds of dollars, it is better to spray paint, so I ask you if the meat hurts.
Secondly, the price of car damage insurance is calculated according to the car price, but one thing to know is that the price of car damage insurance is changing and the cost of car damage insurance is gradually decreasing every year. If you buy a car with a price of 200,000 yuan, the first year's car price is 200,000 yuan, then the second year's car price will become 6.5438+0.8 million yuan. The less 20,000 yuan is depreciation, and the car is depreciating every year, so the insurance premium for car damage is also decreasing every year.
Buy car damage insurance if you can. Whether the car is good or cheap, insurance itself is a peace of mind. Why care about hundreds of dollars?
My name is Feng Zi, and I am an auto mechanic. Please pay attention to the contents of car maintenance and car use.
Car damage insurance, as its name implies, means that the insured or its licensed driver has an insurance accident while driving the insured vehicle, which causes the insured vehicle to be damaged, and the insurance company will compensate within a reasonable range. Simply put, car damage insurance is an insurance that can pay for your car in the event of an accident. If the car damage insurance is not insured, the loss insurance company of this car will not be liable for compensation. Many losses can be made up from the strength of protection, but now many details of auto insurance are linked to car damage insurance.
Although the vehicle is about six years old and often travels, especially on urban roads, it is normal to bump. If there is car damage insurance, you can use your car damage insurance to repair the car. In short, for car damage insurance, no matter how old the car is, it is still necessary to buy car damage insurance, and the car damage insurance accounts for a high proportion of the premium. On the other hand, with car damage insurance, even if the car is often placed in some invisible places, there is no need to worry. If there is no car damage insurance, natural disasters and man-made disasters will be blind when they meet one.
This is the fundamental significance of buying auto insurance. Insurance is to protect "in case". Don't assume that there will be no risk in the future just because there was no risk in the past.
I am happy to answer: I suggest buying a damaged car within three years, and buying a damaged car for more than three years will not be so complete. It is suggested that you don't need to buy a car damage, you can buy a deductible for both parties, and then a third party can buy at least 1 10,000!
The car damage insurance of a car corresponds to the value of the car. It is normal that the longer you drive, the lower the value. Therefore, after driving for six years, the corresponding car damage insurance has also decreased, and the value of the car has certainly decreased. I buy insurance just in case, in case the car breaks down, to see if my maintenance cost matches the car insurance I bought. If you don't match, of course you won't buy it.
Let me give you some advice. That is to see what kind of car you bought, whether it is a hot-selling model in the market. If it is a hot-selling model, there is actually no need to buy car damage insurance, because if something goes wrong, it may not be a big problem to maintain and the accessories are not expensive, so buying car damage insurance will not have much effect, and because you are an old driver, the probability of car damage insurance will be further reduced.
If you say that your car is not a Volkswagen model, that is, the sales volume in the market is not very large, then it is still recommended to choose car damage insurance. The main reason is that the cost of later maintenance will be higher, and the accessories will be more troublesome and more expensive. Car damage insurance still has a certain effect, so it is not easy to determine it directly. This is an expected problem that needs to be considered. Personally, I think it's better to buy it, because it won't cost too much, especially since you haven't been out of insurance for six years and the insurance cost is not high. Isn't it? So @ Baileyu thinks it's better to buy it, which is safe and worry-free.