Commercial insurance hi-fi low compensate do not let bygones be bygones
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Sources: new Beijing author: WangChengGong March 31 2011 08:31 me two sentences (0) copy link medium sized print medium insurance law stipulates policy-holder not use excess insurance to profit, so to the insurance companies use "value" the interests of the insured and grab, must also instruct its refunded even gives its penalty. This is fairly traded the principle of reciprocity.
Insurance "protect the much compensate how many" this is common sense, however, according to media reports in China's commercial insurance the piece, exist common "hi-fi low compensate" unspoken rules, that is, when the insurance according to vehicle owners purchase price, and the insurance in the car when be or get out of danger, but only to claim for compensation in accordance with the vehicle the depreciation price. Circ said it would in view of the present commercial insurance system, the problems existing in the investigation, and promised before the end of September completing a commercial insurance products, insurance claims process etc system reform.
Due to the low to compensate the car high problem has been placed in the sun, so unspoken rules also cannot continue to survive, the future juxian insurance amount may be closer to the actual value when be or get out of danger. But if the current rate and practical value to do insurance, insurance company juxian earnings will lose one chunk, therefore not ruled out future insurance company tacitly improve together juxian rate, maybe the possibility of this common prices will also become the new unspoken rules.
Concern is hi-fi low to compensate another problem behind, that is for each insurance company if solved hi-fi low to compensate after the unspoken rules before, how to deal with those gathered much insurance expenses. If this problem is not solved, it is also a kind of "let bygones be bygones," so also to new form of occupation after the interests of the insured opened hidden rules green, because even new unspoken rules be exposure and correct, this new unspoken rules have gains can also quoted "let bygones be bygones" principle and reserved. If so, that insurance companies would be motivated to create new forms of unspoken rules.
According to the ministry data released late 2010 participated in motor vehicle quantities, according as 1.99 million cars, mainly is growing fast cars. At present, most insurance company executive is hi-fi low to compensate terms, therefore said the vast majority of owners threw caustic danger, will likely face hi-fi low compensate problem. So so many years is down through the hi-fi low compensate, how many interests from an inappropriate purse into insurance company owners account? Therefore, in the reform of commercial insurance products by the circ, might as well put these old also were cleaned wipe, shall be ordered to existing "hi-fi low compensate" problem of the insurance company will snatches of improper benefit to refund to the applicant. Insurance law stipulates policy-holder not utilize insurance especially excess insurance to profit, so to the insurance companies use "value" the interests of the insured and grab, must also instruct its refunded even gives its penalty. This is fairly traded the principle of reciprocity. |
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By :
Jessie Stone
Submitted
2011-04-05 03:44:17 |
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