Can you co-ordinate traffic safety? Can it really replace the traditional auto insurance?

Of course, it can be handled on the basis of the same amount of insurance, and its premium is much lower, which not only pays quickly, but also provides better service, and often has a safe return visit and the like. There should be no service comparable to medium-sized traffic in the industry of traffic safety co-ordination company. No matter big or small accidents, they will never be shirked or ignored directly.

I. Zhongcheng Traffic Safety Co-ordination Insurance Company

Zhongcheng Transportation Co., Ltd. (hereinafter referred to as Zhongcheng Transportation) is a large-scale specialized national enterprise focusing on the "transportation" industry. Zhongcheng Transportation was officially approved by the state on June 5438+00, 2020, with a registered capital of 1 100 million yuan. It is a comprehensive transportation service enterprise that protects the legitimate rights and interests of traffic participants and accident parties under the guidance of policies and in accordance with the requirements of the state for the transportation industry and the improvement of safety prevention and control requirements.

Two. Product introduction of Zhongcheng Co-ordination Insurance Company

1. Traffic safety overall planning is a safety guarantee mechanism in the process of transportation and has the function of risk compensation. Transport enterprises charge corresponding traffic safety co-ordination fees for operating vehicles according to standards, and provide them with safety co-ordination services. When the participating vehicles encounter unexpected losses such as traffic accidents and passengers' accidental injuries, they can get corresponding economic compensation and pay it from the overall traffic safety fee.

2. Overall planning of traffic safety aims to make transportation enterprises form a disaster prevention and burden reduction system in the form of mutual assistance, and accumulate funds in the system to deal with sudden traffic accidents. The overall planning fee will also be used as a special fund for accident claims, and unified adjustment and economic assistance will be implemented. The overall planning of traffic safety focuses on services, providing responsibility accidents such as casualty rescue, on-site investigation, vehicle rescue, equipment maintenance, loss compensation, after-care treatment, disaster prevention and mitigation, publicity and education.

Third, the difference between overall auto insurance and term auto insurance

Overall auto insurance has some properties of insurance, which is very different from conventional auto insurance. When the ownership of the vehicle is transferred, it cannot be transferred with the vehicle like a real insurance, and the owner needs to withdraw from the original transportation company "motor vehicle safety overall planning".

Different from regular insurance companies, there are no strict standards and principles for the coordination of auto insurance claims, and the claims limit and basic claims rules are not within the supervision scope of China's Insurance Law and CBRC. How to claim compensation, the standard of claim compensation, how to pay more and how to pay less, and when to pay compensation are all stipulated in the "motor vehicle safety coordination" contract.

In addition, in the event of surrender or settlement disputes, only the general law "Contract Law" can be adopted, but the special law "Insurance Law" cannot be adopted. In the case that the court considers the whole contract valid, even if compensation can be made according to the contract law after litigation, the registered capital of the transportation company is limited, and if the contract cannot be performed with less assets, it may not be able to give risk compensation.

Therefore, consumers should raise their awareness of risk prevention, be alert to the relevant information of "motor vehicle safety planning" and choose regular insurance companies to buy auto insurance to avoid unnecessary losses.