Zhongcheng Insurance was established on June 20 1 1. It is the first Chinese-funded insurance legal person institution headquartered in Guangzhou. The registered capital of the company is 2.26 billion yuan, which was jointly established by Guangzhou Automobile Group, Cai Yue Trust, York Finance and Chimelong Group. These can be said to be some leading enterprises in Guangdong. With the support of these consortia, Zhongcheng Insurance still has great strength and capital. Although the main business is auto insurance, accident insurance and short-term health insurance are also opened now.
2. Solvency of Zhongcheng Insurance:
With the backing of CBRC, domestic insurance companies will basically not go bankrupt, and so will Zhongcheng Insurance. So whether an insurance company is good or not, solvency is a very important standard, because solvency can show whether a company has money to pay. In the third quarter of 2020, the comprehensive solvency adequacy ratio of Zhongcheng Insurance was 562.98%, and the core solvency adequacy ratio was 562.98%, both higher than the national security line.
3. Zhongcheng Insurance Auto Insurance Claims Service
In terms of auto insurance claims, Zhongcheng Insurance has also done a good job. Zhongcheng Insurance cooperates with 4S stores to provide a "one-stop" service platform, allowing customers to enjoy convenient services such as loss determination, claim settlement and maintenance in one step. Zhongcheng Insurance also has convenient channels such as WeChat self-service survey and self-service claims, allowing customers to experience more innovative and efficient claims services. The survey and damage determination are all assisted by professionals, so there is no hurry.
Motor vehicle insurance refers to a kind of commercial insurance that bears responsibility for personal injury or property loss caused by natural disasters or accidents.
Its insurance customers are mainly legal persons and individuals who own various motor vehicles; The subject matter of insurance is mainly various types of cars, but it also includes special vehicles such as trams, battery cars and motorcycles.
Auto insurance, that is, motor vehicle insurance, referred to as auto insurance, refers to a commercial insurance that takes responsibility for personal injury or property loss caused by natural disasters or accidents. Automobile insurance is a kind of property insurance, which has matured with the appearance and popularization of automobiles.
In addition to the compulsory insurance that the state forces motor vehicle owners to buy, other motor vehicle insurance is divided into two categories. These two types of insurance * * * include two basic types of insurance: one is basic insurance, including vehicle loss insurance and third-party liability accident insurance, and the other is additional insurance voluntarily insured by vehicle owners, mainly including vehicle theft, vehicle liability insurance, glass breakage insurance, spontaneous combustion loss insurance and special insurance without deductible.
The basic function of insurance is to organize economic compensation and realize the payment of insurance money, and it is also the basic function of motor vehicle insurance. Through motor vehicle insurance, the risks faced by enterprises, families and individuals who own motor vehicles and their loss consequences can be dispersed and passed on in the whole society, which embodies the social principle of "gathering risks and dispersing losses".
Since 1950s, with the rapid expansion of automobile manufacturing in Europe, America, Japan and other countries, motor vehicle insurance has also been widely developed and become the most important commercial insurance in all countries. By the end of 1970s, automobile insurance had accounted for more than 50% of all property insurance.
From China's point of view, with the increasing number of cars, auto insurance has become the main part of China's non-life insurance market and the largest property insurance.
In domestic insurance companies, the premium income of auto insurance business has accounted for more than 50% of the total premium income of their property insurance business, and the premium income of some companies accounts for more than 60% of the total premium income of their property insurance business. The profit and loss of auto insurance business directly affects the economic benefits of property insurance industry.