In order to further protect the legitimate rights and interests of the insured and the insured, maintain the normal order of the property insurance market, and promote the sustained and healthy development of the property insurance market, we hereby put forward the following opinions on deepening the reform of the commercial auto insurance clause rate management system. The work steps of this commercial auto insurance reform are divided into three stages: pilot preparation stage, pilot implementation stage and pilot promotion stage.
In the pilot preparation stage, six regions, including Heilongjiang, Shandong, Qingdao, Guangxi, Shaanxi and Chongqing, will be taken as pilot areas for commercial auto insurance reform. Since April 1 2005, property insurance companies engaged in commercial auto insurance business have reported commercial auto insurance clauses and rates to the China Insurance Regulatory Commission, and implemented relevant regulatory provisions. With the approval of the CIRC, property insurance institutions in the pilot areas can use the new commercial auto insurance clauses and rates. The original commercial auto insurance clause rate stopped using.
In the future, it will be promoted nationwide according to the pilot situation. In this auto insurance rate reform, low risk bears low premium and high risk bears high premium. Car insurance premium is closely related to factors such as entourage and vehicles. If a car owner drives carefully and has fewer accidents, then his premium will be more favorable; If the owner drives too willfully and has many accidents, then his premium will be more expensive than that of the owner who drives seriously.
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