Expert to respond to car damage insurance claims dispute: High protection and low compensation is only a case

The research on perfecting the system of commercial car insurance quickly launched April 1, China Insurance Industry Association held a symposium in Beijing, to improve business insurance underwriting claims to listen to relevant experts and scholars advice and suggestions.　　It is understood that the next step, the Chinese Insurance Industry Association will also convene consumer associations, automobile Transport Association and some owners of the symposium, the Judiciary, lawyers, and other forms of the Symposium, a wide range of views from all sectors of society, comprehensive research and comb the current insurance system.　　March 29, the China Insurance Regulatory Commission issued the "on the improvement of motor vehicle commercial insurance system research work notice," said clearly will be on the basis of extensive research, in September to promote the entire industry to complete the business insurance products, underwriting claims process, such as the adjustment and improvement of the system program. At the symposium, experts pointed out that the car insurance professional relatively strong, the majority of owners may be more difficult to understand, but also need to strengthen the insurance industry to promote the popularization of knowledge, underwriting the customer to explain and inform the work, and should optimize and improve the product, in a more popular, easier to understand the way,　　For the majority of owners to provide quality insurance services. As for the recent controversy over "high Security and low indemnity" in individual media, experts believe that the so-called "high security" is actually "insured in full". Although for car owners, according to the actual value of the insurance is easier to understand, but the current selection of new car purchase price to determine the main reason is that, if the new car purchase price insurance, regardless of the vehicle's service life, in the event of loss, the insurance company will use the new accessories to repair. For most car owners, it is hoped that the quality of vehicle maintenance will be guaranteed and the use of new accessories.　　Therefore, the choice of insurance according to the purchase price of the new car can ensure full payment. Then, if the car to choose the "New car purchase price" insurance, whether can get full compensation? It is understood that there are three types of vehicle risk cases: first, part of the loss of the case, the case in 2010 in the total loss of vehicle damage insurance accounted for up to 99.914%, in accordance with the new car purchase price insurance, received a new accessory compensation, compensation is full and adequate; second, the total loss of the situation,　　This kind of case is relatively small in the overall compensation case of vehicle damage insurance, in 2010, about 0.086%, some of the vehicles in the loss, some of the total insurance period, the number of Chuxian may be more than once, plus during the period of insurance coverage is automatic recovery, the cumulative amount of compensation may be far more than the amount of insurance. China Insurance Industry Association concerned Personage said, in a comprehensive view, more than 99.9% of the car damage insurance compensation case is "enough to cover the full compensation", the individual compensation cases are similar to "foot insurance more compensation", and the so-called "less compensation" phenomenon, from the insurance business large number of rules, in order to reduce product complexity, To facilitate customer understanding and take into account the vast majority of cases of fairness and efficiency, insurance companies to develop products using the total loss and part of the loss of two kinds of responsibility to consolidate the way of insurance.　　The next step to further improve the system, so that owners plainly consumption. At the same time, whether the new car, the old car, insurance premiums are the rootAccording to its compensation cost actuarial determination, the cost of compensation and accessories prices, maintenance costs are closely related, in the case of the same cost, regardless of the way to determine the amount insured, the level of premiums is consistent. The purchase price of the new car as a guarantee, with its corresponding rate, the actual value as the amount of insurance, if the same value of compensation, there will be a corresponding rate.　　As long as the cost of compensation is unchanged, the premium level is relatively stable, regardless of the purchase price or the actual value of the new car. At this symposium, the experts also pointed out that the insured amount of vehicle damage insurance is one of the prerequisite factors to determine the subsequent claims, how to find the best solution, so that all kinds of cases can get the most reasonable compensation, is the next step in the insurance industry to resolve the direction. The development of the insurance industry needs a process, from the foreign experience, but also after several stages of development to the current model of the risk pricing mode.　　Our country insurance business time is short, the technical strength is insufficient, the data lacks, objectively also exists the vehicle type variety, the standard degree low phenomenon, needs to accumulate the data unceasingly in the future, enhances the technical level, the gradual transformation to the model price model. Appendix: Tuo View: To "make insurance" rather than "sell the policy" recently, on the vehicle loss insurance after the "no responsibility and compensation" issue, and then set off a round of so-called "high protection and low compensation" issue of the discussion.　　Through discussion can distinguish between right and wrong, which is good for both sides of the insurance contract, more importantly, this discussion will help to strengthen the construction of the insurance market, promote more scientific and meticulous insurance business, promote the insurance company to continuously improve and transform the service concept, while making the majority of consumers more in-depth understanding of insurance. The so-called "high guarantee and low loss", is the individual media to do enough to cause the consumer misreading of the statement.　　But the imprecise pricing method that exists in the terms of the clause is indeed misleading. First, "The cost of the new car to calculate the premium, according to the actual value of the vehicle claims" confused two cases: one situation is part of the loss of vehicles, one case is the total loss of vehicles. In the former case, it is not wrong or understandable, because the repairs are made with new accessories. But in the second case, at least the insured is not acceptable. Second, the car insurance provisions of the design, the difference rates will be cured to no differential rates, may be in the amount of insurance premiums, but is not perfect in theory, but also to the applicant to create the illusion that this is the old car according to the new car payment, and according to the old car claims.　　The insurance company overcharged the premium. For example: Suppose a new car price 100,000 yuan, the corresponding floating rate of 2%, then floating premium: 100000x2%=2000 yuan Use 5 years later, the actual value of the car 60,000 yuan, the corresponding rate should be 3.3%, then floating premium: 60000x3.3%=1980 Yuan above indicated to "from the car factor "The premium rate should be variable throughout the life of the vehicle before it is scrapped, because the new car is in good condition, the accident rate is relatively low, the risk rate is lower, but as the vehicle is used, the mileage increases., the condition becomes worse and the risk rate increases. From the absolute amount of premium, the old car insurance may be lower than the new car premiums, and may also be higher than the new car premiums. But it is not possible to remain unchanged throughout the life of the vehicle, the constant floating rate during the life of the vehicle, multiplied by the price of the new car to determine the premium, is a very imprecise pricing method of insurance companies.　　Of course, the precision of the rate actuarial of insurance company is related to the relatively short operation time of our car insurance, too many models and insufficient data. Through this question and the discussion, reflects our insurance management the extensive and the service is not in place. This is actually a good thing, it will certainly encourage insurance companies to strengthen actuarial research, and constantly improve the actuarial method and the fixed loss method, so that the insurance pricing more suitable for the risk of insurance vehicles, the claim for more simple and transparent, and specific accurate and as popular as possible in the insurance provisions, This is the need to improve the operating and management level of the insurance industry.　　Some insurance companies in a policy will be the amount of insurance in part of the loss of the amount of insurance and total loss of the amount of insurance, and separate their insurance rates and insurance premiums, is the past equivalent method of improvement.　　Second, the discussion of automobile insurance is a good opportunity to popularize insurance knowledge and also a good opportunity for insurance companies to improve their business philosophy.　　From the above analysis you can see that the public opinion and the insurance consumer will this "status quo" the car insurance pricing method and the fixed loss method, misreading reads as "The high guarantees the low indemnity", the insurance management some imprecise place has the enlargement, this is to the vehicle fixed loss and the compensation way understanding is not appropriate. But this can not blame the media and consumers, after all, the vehicle itself and insurance business risk characteristics and pricing methods, not at a glance. This requires the insurance industry to include regulatory authorities, on the one hand, to improve insurance management technology, especially actuarial technology, as accurate as possible pricing, on the other hand, to adopt a variety of ways and means to consumers to make scientific and transparent explanations, and the actual insurance business data to demonstrate.　　As long as the truth is clear, the problem will be solved. Of course, the insurance industry must reflect and carefully learn from the lesson, enhance service awareness, and continuously improve service. The author agrees with the idea that an insurance company is not a "selling policy", but rather "insurance", and serves the insured and the insured. Insurers can not only consider the convenience of themselves, but more (and even everywhere) consider the convenience of policyholders and insured. Not only is the so-called "high protection and low compensation" problem, even the former stage of the so-called "no liability not to pay" problem, but also the insurance company only map their convenience is not for the sake of customers results. In fact, in the "no responsibility" conditions, the insurance company basically lost, that is, "no compensation" cases, consumers will eventually be compensated (both of which I have personal experience).　　However, in order to save the cost of recovery to the insured to bring additional costs, consumers will not be satisfied, which reflects the shortcomings of the insurance companies and gaps in service. Many people have seen or heard of insurance companies handling car accidents abroad.Claims cases: Two cars collided, no matter who the responsibility, two owners do not go to the tube, even the car accident losses are to the insurance company, the insured go home to repair shop to pick up the car. If the repair time is longer, the insurance company also sends the scooter. This is the "insurance", which is called the service concept.　　If the insurance companies are in the service of more brains, everywhere for the sake of the insured, which will be in the insurance market "hit" decadent. Sour point of view recently, some of the problems in insurance claims aroused social concern. In Sour's view, a crisis is a good thing.　　Through the supervision of public opinion, the industry sees problems and improves. Sour that the insurance industry should do some work from the angle of the trade: first of all, to the public to popularize insurance knowledge, automobile insurance clauses, product design, claims, insurance, etc. to the consumer publicity. Currently misunderstood by the media car insurance provisions, in line with the existing market environment.　　The terms need to be perfected, but there is a time process. Second, improve the quality of insurance services.　　Life Insurance Company has a service concept called "help customers find out the reasons for claims", insurance companies can also follow suit, and strive to find applicable terms for customers to help them make claims. Thirdly, improve and perfect the insurance clause. There are three ways to determine insurance coverage in China, the purchase price of new cars, market value and consultation between the two sides. From the experience of the Hong Kong market, there is a public assessment body, as long as the input of the brand of various vehicles, the factory year and other information, the system immediately calculated the current value of the car cost. But we do not currently have such a system, which is the inevitable form of the primary market. If you can build such a system in the future, you can choose the pricing method according to the different needs of the people. At present, some provisions can not make major changes, it is necessary to explain to consumers.　　At the same time with the public security departments to achieve resource sharing, and traffic accident records docking. Currently criticized more new car purchase price, in part of the state of loss, because the spare parts are used to replace the old parts, so the insurance company will want to protect the insured as much as possible.　　Under the condition of total loss, according to the market rules, we cannot obtain the improper income through insurance compensation. Sour said, from the "No liability for compensation" to "high guarantee low loss", are exposed to the entire industry crisis PR is not in place, the industry response to keep up. In fact, there are many notable things in the insurance industry recently, such as compensation for Chinese companies in Libya.　　Media on the development of the problems to be reported, but the performance of the insurance industry must be affirmed and publicized. The two issues of "no liability and no compensation" and "high protection and low compensation" are the concerns of the consumers at present.　　On these two issues, I think the insurance companies have no subjective fraud, can only say objectively there are some deficiencies, resulting in some consumers can not understand. Chen Xin Comments: First of all, no liability for free compensation. Theoretically, if each car on the road to buy a strong risk and full third party liability insurance, in the event of a collision, basically all the losses can be obtained insurance claims.　　But this is only the assumption of the most perfect situation, the reality is impossible.The United States is the most developed country in the world, and the law is very strict. The law stipulates that all road vehicles must purchase third party liability insurance, but statistics show that 10% to 14% of the vehicles are still not purchased. I do not see the current statistics in our country, but it is expected to be higher.　　In this case, as a party without responsibility, if the other party did not buy third-party liability insurance, he personally has no money to pay, or the other side ran, can not find the responsibility side, will be responsible for the insurance claims to bring difficulties. Foreign car insurance provisions, no matter how much the responsibility is 100% compensation, and then the insurance company to subrogation, the whole society has neither increased losses nor reduced compensation.　　To solve the consumer's "no Liability and loss" of the provisions of the question, the insurance company should amend the terms as soon as possible, to be free of charge by the insurance company 100% compensation, and then to subrogation, or between the insurance companies to sign a waiver of subrogation recovery agreement. As for "high guarantee and Low indemnity", this is not a very scientific word in itself. According to the current insurance policy, consumers can have three choices. In view of the new car purchase price as the insured amount, in the insurance claims, part of the loss, the vehicle is to be repaired, and the repair of the parts used must be new, it is impossible to 10 years ago to find a car 10 years ago parts. Only in the event of total loss of vehicles, the actual value of the vehicle to pay. In foreign countries, the insurance is used to insure the actual price of the insured amount. Why can't we do it?　　This means that insurance companies need to do further work to improve our underwriting terms. In a sense, the interests of insurance companies and consumers are not antagonistic, but consistent. If the insurance company goes bankrupt, all consumers will not be compensated; if the insurance company is to the benefit of the consumers, no one will buy insurance, the insurance company is bound to go bankrupt. Current problems can be solved, but there must be a process.　　The most important thing is to seek truth from facts, only in this way can the insurance industry develop and consumers can finally benefit.　　Wang Comments: Wang Yuejin (Director of the Department of Insurance, Beijing Business University School of Economics) recently some media questioned the auto insurance "high guarantee and low loss", there is a general misunderstanding.　　First of all, the domestic insurance company in the sale of auto insurance, not only according to the purchase price of new cars to determine the amount of insurance coverage, but there are also two options for customers to choose from, one is based on the actual value, that is, according to the car's depreciation to calculate the amount of insurance, there is another way is to negotiate value, of course, this value can not exceed the purchase price of new cars. Now most motor owners choose new Car purchase price to determine the amount insured, one of the reasons is that car damage case, more than 99% is part of the car damage, no matter how many years the car used, the loss of part of the car, the replacement is a new spare parts, not used for many years old accessories. So when this happens, the policy holder will not have a problem. Of course, there is also a reason, because the new car purchase price corresponding to higher premiums, natural agents will be the corresponding higher commission, so this also led to a lot of insurance agents in the recommended car damageInsurance coverage is more likely to recommend to customers according to the new car purchase price of the car risk.　　Although this issue is not the focus of media attention, but also vigilant insurance companies in the sales management to improve the level of service, we must allow customers to buy a clear, assured car damage risk. Now we are most concerned about the purchase price of new car insurance, can occur when total loss only according to the car's depreciation price to compensate, which is now part of the media said "high guarantee low compensation." Although this account is very small, less than 1% of all car damage cases. This situation does exist, even if the ratio is small.　　In my opinion, objectively speaking, this is not a fraud. I'm not talking on the insurance company, because of the "high guarantee low loss" The premise is: compared with foreign insurance developed markets, our domestic insurance market or the initial stage, there is no strong actuarial data support, so there is no part of the motor vehicle loss and total loss of the rates are calculated separately. All companies can only be bearded eyebrows cluth, the car loss of the various conditions dutong to a rate calculation. Therefore, not mean to cheat, but temporarily do not have the ability to do subdivision, is the insurance company management needs to improve the problem.　　However, I believe that through the supervision of the mass media and supervision by the CIRC, the whole industry will attach great importance to speeding up the pace of improvement. Just now, I said, "High guarantee and low compensation" is not an insurance company intentionally fraudulent behavior, but I would like to mention, in particular, that if the insurance companies implement the "high guarantee", that is, the new car purchase price insurance, no matter how many years the car, but also according to the new car purchase price claims, it will lead to a large number of insurance fraud. For example, I have a car, at that time 100,000 yuan to buy, after 5 years, if according to the new car purchase price (assumed to be 80,000 yuan) to vote for the insured amount, can also according to the new car purchase price of 80,000 yuan claims, then I can drill the loopholes of the insurance company, find a place to make the car damaged, and then find the insurance company to compensate for the new car purchase price of 80,000 yuan. I might have earned it. On the contrary, the insurance company is very unfair.　　I have the same idea of the owner must be a lot, you think, such a fix, the insurance company had to go bankrupt, the insurance company went bankrupt, then take the policy holders of the rights and interests of the affected greatly. The issue of "high protection and low compensation" is now highly concerned, I think the insurance companies can strengthen two aspects of the work. First, to respect the choice of consumers, three kinds of pricing methods must be clear to him, the truth is very important to inform, this is the insurance company to standardize the operation of a key. Secondly, in order to prevent insurance fraud and to ensure a relatively fair rate, it is necessary to learn from the developed countries and take into account the different breakdown of partial losses and total losses in the rate determination.　　Although this is not easy to immediately complete with international standards, but also to vigorously accelerate the pace, after all, the whole industry image. Recently, there are many questions about the insurance policy, I think this inside in addition to the insurance company and the public media communication is not enough, but also highlighted the insurance company's service level to be improved, especially claims transparency to improve,Let consumers know more about insurance, good examples, bad examples have to report, let the public opinion supervision, so that the level of service will improve faster.　　For the public attention of the media "no liability for compensation" problem, I have a simple proposal to the insurance company, that is, insurance companies can sign collision mutual Recovery Agreement, so that consumers save a lot of things, so that the insurance services to the public. China Insurance Industry Association president Jin Jianqiang Recent period, some media on the commercial car insurance clause rates, underwriting claims services and other issues of a large number of reports, the insurance industry attaches great importance to this. The attention of news media and social supervision are helpful to improve the system and service of the industry.　　In this respect, the insurance industry has always welcomed the attitude. March 29, the CIRC issued a notice on the investigation of the commercial insurance system for motor vehicles, and asked the Chinese Insurance Industry Association and the OCI to conduct a comprehensive survey of the commercial car-safety system. China Insurance Industry Association focused on the current industry Underwriting claims service standards and procedures, the current industry guidance terms and conditions of the form and content of research.　　April 1, China Insurance Industry Association held in Beijing to improve business insurance underwriting claims work symposium, the main purpose is to implement the notice of the Chinese Insurance Regulatory Commission, and earnestly listen to experts, scholars of the insights. According to the CIRC notice spirit, the perfection of the commercial insurance system will take the protection of the insured and the insured's interest as the starting point and the foothold, from the product management system, the terms of the rate of determination, underwriting claims service flow standards, rate marketization reform, insurance knowledge popularization and risk hints, comprehensively and systematically comb the problems of commercial insurance　　, on this basis, combined with the international practice and the new situation of China's economic and social development, fully consider the wishes and concerns of the majority of owners, scientifically and reasonably put forward a package of commercial insurance system to improve the scheme. At the April 1 Symposium, the experts and scholars made a good speech, theoretical, systematic and operational is very strong.　　China Insurance Industry Association will be carefully collated and summarized, these suggestions into the investigation report, in May before the end of reporting to the China Insurance Regulatory Commission. According to the CIRC, the insurance industry will make a package adjustment and improvement to the commercial insurance system.　　Because this work involves a wide range, more complex, far-reaching, is a system engineering, need to have a process, industry members will do their best to push forward this work, but also hope to continue to get the vast number of insurance consumers and the community's understanding and support.　　We believe that through this adjustment, the motor vehicle commercial insurance system will be more complete, the terms of the rate will be more scientific and reasonable, underwriting claims will be more standardized standards, the services will be more convenient and efficient, the majority of owners of the requirements and expectations will be very good satisfaction. (Tong Chun Jian li painting Liu Yan)