Taiyuan auto insurance new policy, Taiyuan auto insurance cost calculation, the following is Taiyuan auto insurance new policy, Taiyuan auto insurance cost calculation, I hope the following information can help your life.
New auto insurance policy in Taiyuan:
As follows, the new auto insurance regulations in Taiyuan, how to buy cost-effective auto insurance rate reform are sorted out by Zhikun Education Network. Since the policy has not yet been promulgated, the previous version will continue to be used. In case of any change, official website shall prevail.
New auto insurance regulations in Taiyuan
2065438+In March 2008, China Insurance Regulatory Commission issued the "Pilot Work Plan for Deepening the Reform of Commercial Auto Insurance Clause and Rate Management System". 2065438+June, 2008 1 day, Heilongjiang and other six provinces and cities, as the first batch of reform pilot areas, fully launched the new version of commercial auto insurance terms and rates. Shanxi is the third batch of reform areas. With the implementation of the new local auto insurance policy, car owners, 4S stores and even the whole market have felt the impact. Please have a look-
Insurance is no longer "just leave"
On June 3rd, our province completed the switch between the old and new auto insurance business systems, and the commercial auto insurance rate reform was formally implemented. After the implementation of the new auto insurance policy, the driver's driving habits, the number of accidents and the age of the car will all become factors affecting the premium. To put it simply, the more years without accidents in a row, the cheaper the premium. There is no indemnity for three consecutive years, and the premium is 60% off. On the contrary, the more risks, the more expensive the premium. If there are five or more claims in the last year, the premium will be doubled. For many car owners who are used to looking for insurance companies when their cars have an accident, this one is exciting enough.
For the "slow" phenomenon that Mr. Zhang saw, 4S stores have become accustomed to it. "Now car owners should seriously consider every time they use insurance." The staff said that in the past, "insurance" was generally chosen. Now, in addition to spending a lot of money, car owners will not easily decide to "insure".
In this 4S shop, the reporter also heard the dialogue between the two car owners. One said, "you pay for it yourself, just a few hundred dollars." Moving an insurance may cost more than 1000, which is not cost-effective. " The other said, "The main reason is that I don't understand the market, not that I want more money." It turned out that the two collided on the road, and the responsible party offered cash compensation, but the other party insisted on looking for an insurance company. He said, "I haven't been driving for a long time, and I don't know how much it will cost to repair the car." I wonder if the money he gave is enough. After quarreling for more than an hour, I finally came and set the repair fee, so I was relieved. I don't care whether he pays for himself or finds an insurance company. "
Some car owners said that if the premium paid next year is more than the money saved by repairing the car after "insurance", it will not be worth the candle.
"It is better to drive well than to calculate afterwards." If the owner, Lu Shuai, is handsome, many people who repair cars will nod their heads again and again.
The staff of the insurance company said that limiting the "adverse selection" behavior of some car owners because of insurance is also one of the original intentions of the new auto insurance policy.
Calculation of automobile insurance cost in Taiyuan;
The income pillar of 4S stores has been hit.
The owner "sneezes" and the 4S shop "catches a cold".
The reporter had this feeling when interviewing Zhong Hui car home and * * Auto Trade. "From the beginning of the implementation of the new auto insurance policy, the business volume of sheet metal and painting in 4S stores has dropped by 30% to 40%." The person in charge of a joint venture brand 4S shop told the reporter. Sheet metal and painting may be nothing in the eyes of car owners, but they are very important to 4S stores. In the after-sales service provided by 4S stores, the business of sheet metal and painting accounts for 30% to 40%, of which more than 90% comes from insurance claims. "From the situation introduced by foreign counterparts, the number and amount of auto insurance claims have decreased by 10% to 20%, which has a great impact." Usually, the ratio of after-sales service to new car sales is 4: 6 in the profits of 4S stores. However, due to the continuous downturn in the auto market, new car sales hardly make money, and some brands and models even sell at a loss. The profit brought by after-sales service accounts for an increasing proportion in the profits of 4S shopping malls, and some even reach 70% to 80%. "Therefore, 4S stores pay more attention to the maintenance income from auto insurance. However, after the implementation of the new auto insurance policy, car owners will no longer be in danger, and repairing cars at their own expense will not be as generous as insurance compensation. " Some 4S store owners feel even worse.
How do 4S stores, which have dominated the rivers and lakes for a long time in the auto market, adapt to the new situation? Operators may have their own magical powers. However, in the eyes of many car owners, it is the right way to let go, reduce prices and provide thoughtful service.
The automobile aftermarket is making waves.
4S stores feel that life is not good, but competitors see new opportunities.
"Downstairs, business is much faster than the hotel." Mr. Zhao lives in the fourth phase of Xihuayuan, and the bottom business has opened more than a dozen shops engaged in car washing and car maintenance. At first, Mr. Zhao felt that "there are not so many stores here." Surprisingly, some restaurants have closed down and changed owners, but business is good in both old and new stores. After the implementation of the new auto insurance policy, the price has become the focus of car owners' consideration when repairing cars at their own expense. "Our price is absolutely low. As long as we live well, we can grab the' meat' in the 4S shop. " Operator Liu xqiang said.
Sitting in his convenience store, Zhang looks out of the window from time to time. Next to his SUV, a worker is changing the air filter. Zhang Xiaomin used to go to the garage of 4S. However, since he contacted an auto repair O2O company last year, he left the 4S shop. "It's not just saving money, people come to the door with a phone call, the car is ready, and the business is not delayed." The staff took the time to tell Zhang Xiaomin and reporters that they had launched new services in places where the new auto insurance regulations were implemented earlier. The reporter learned from some domestic O2O enterprises and chain brands in Taiyuan that they are cooperating with insurance companies to find a win-win solution for car owners and insurance companies.
In the automotive aftermarket, with the implementation of the new auto insurance policy, participants are either happy or sad, and the fittest can survive in the market storm.
Shop around and pay attention to these things.
The reporter learned through a number of insurance companies that before the New Deal, the quotations and discounts given by various insurance companies were basically the same, and the price difference was mainly due to the different gifts or extra discounts of auto insurance. After the implementation of the New Deal, the stipulation that the overall preferential margin of auto insurance rates should not exceed 30% was cancelled, and the independent channel coefficient and independent underwriting coefficient were increased, so insurance companies can adjust the preferential ratio within a certain range. From this point of view, car owners should "shop around" when buying auto insurance.
But for car owners, the choice is not easy. "Buy one thousand, send one thousand; Buy 10 thousand and get 10 thousand. " This advertisement is posted on the front door of a shop selling auto insurance in Xinghua Street. Liu Fang, who needs to renew her insurance, looked at the name of the insurance company in the advertisement and said, "I haven't heard of it, okay?" She told reporters that she bought auto insurance three times, all in a big insurance company. "A lot of money, limited concessions. I am relieved. " Because of many accidents, Liu Fang felt that it would cost a lot of money to continue to insure in that insurance company, but she was not sure whether she could change to a small insurance company with great discounts.
How do car owners choose auto insurance? The person in charge of the provincial insurance industry association said that everyone can choose the most suitable commercial auto insurance products according to their actual insurance needs and taking into account the insurance company's services, credit prices, cost performance and other factors. Shanxi Insurance Regulatory Bureau reminds: When purchasing auto insurance, read the insurance clauses carefully, especially the exemption part, to ensure that the selected insurance products can meet their own needs; Pay attention to safe and standardized driving, reduce traffic accidents and violations, and the owners of high-risk vehicles who pay more claims will pay for their actions; Pay attention to the change of automobile premium. Buying a car depends not only on the price of the car, but also on the whole ratio. If you choose a car with low zero ratio coefficient and low maintenance cost, the premium will be lower.
Some 4S shop staff suggested that car owners should reduce the purchase of some special types of insurance according to their own needs, such as scratch insurance and glass insurance. Because their full compensation amount is not high, it will take up the number of accidents.
Overall beneficial, but there are still shortcomings.
In the eyes of some car owners, these are not the most important. What is the most important thing? Character. "Not only your own personality, but also the personality of others." Mr. Guo said that he was about to "upgrade" from depression to depression. "I accidentally hit someone else's car before and got caught. Now that the technology is good, I won't hit another car. If others hit me again, I won't be in front of the car. When people run, I can't even see a shadow. " This year, he has repaired the car with insurance three times. "The insurance company said that they were all hit when parking. In the absence of the perpetrator, the insurance company only paid 70% of the expenses. " I have to pay for it myself, and the premium will be raised next year.
Just as Mr. Guo will meet a car owner with poor character, no system is perfect. So is the new auto insurance policy, which needs to be improved in practice. But overall, car owners will be the beneficiaries of the new auto insurance policy. According to the information provided by Shanxi Insurance Regulatory Bureau, from the situation of the pilot areas in the early stage, 74% of the car owners' premiums decreased, and the premiums decreased by 7.7% year-on-year; The overall accident rate of vehicles dropped from 55% to 35%, effectively reducing traffic accidents.
The new auto insurance policy is conducive to protecting consumers' rights and interests. Specifically:
No more high insurance and low compensation. The insured amount of vehicle loss insurance is determined according to the actual value of the insured motor vehicle at the time of insurance. In case of total loss of the insured motor vehicle, the insurance company shall compensate according to the insured amount; In case of partial loss, the insurance company shall calculate the compensation within the insured amount according to the actual repair cost.
The scope of protection is wider. The new model clause reduces the 15 liability exemption. For example, if the driver's license is invalid or unqualified, it will be exempted from the old clause, and the new clause will include it in the insurance coverage. The new clause expands the scope of insurance liability and improves the service guarantee ability. For example, if the vehicle is out of danger without a license, or if the goods or people on the vehicle accidentally collide, it can be compensated.
The claim method is more clear. After the vehicle is damaged, the owner can claim compensation from the responsible party or the insurance company of the responsible party, or apply for advance payment from the insurance company insured by him, and authorize the insurance company to recover compensation from the responsible party, thus effectively solving the problem of no liability and no compensation.
The above is the relevant information compiled by huafa for everyone. In daily life, we should know some common legal knowledge, so that we can use legal knowledge to safeguard our rights when we need help. If you have any other questions, please come to the Pacific Auto website for auto consultation, and we will provide you with professional advice.
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