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Data:2009-12-12 2:34
In 2004 for the auto insurance market, the unusual calm.
At the beginning of the insurance companies to charge for different risk groups at different rates, Beijing had conveyed the insurance companies refused insurance coverage for high-risk vehicles have aroused extensive discussions in the industry. After the new "Law on road traffic safety," Another example is the introduction of a big rock to bring the already troubled market stirred up waves. With regard to the new "Law on Road Traffic whole" and "Insurance Law" large-scale conflict, the controversy started, until the Supreme People's Court issued judicial interpretation became somewhat subsided. Then, a new auto insurance deductibles Ping terms and Nanjing, the auto insurance deductible storm once again pushed to the people under the eyes of "the test, asking" ... ... can be described as one trouble following another.
Among these events, we find, "deductible" is and insurance companies, a relatively high frequency words. Why insurance companies like deductibles special "enthusiasm"? What is the reason the insurance companies once again want to offer deductible provision?
"Deductible" is repeated auto insurance market
Recently, Ping An Insurance canceled in March of this year in its new auto insurance rates in the Che Sunxian terms of the absolute deductible instead of optional accessories and special provisions, namely, that not all customers must bear the number of absolute deductible Chuxian . Because the original terms of the absolute deductible to insurance companies should bear part of the blame to the customer, resulting in customer dissatisfaction.
Prior to a similar incident happened in Nanjing. Nanjing, all property insurance companies insurance on all vehicles, combined with the implementation of "absolute deductible", that is less than 500 yuan Pei An inadmissible. However, just a day later, this has been a controversial auto insurance new regulations, it was an emergency brake regulators.
From the mind to understand the situation, launching the company is not deductible is absolutely safe one. In fact, in China Pacific Property Insurance Company pioneered the terms of the absolute deductible, followed by each company was finally able to follow up.
Why deductible insurance companies so keen to do?
At the press of a few has launched the "small absolute deductible" clause of the insurance companies to interview, hear the most is the insurance company's "complaining" and "difficulties."
People's Insurance Vehicle Insurance Department official told reporters: "In the auto insurance business, small claims cases and claims on-site survey work has been plagued Gejia insurance companies are long-term business auto insurance one of the difficulties." The Division through the data analysis found that as the number of new vehicles and private cars increased, Chuxian the rate of rise and accounted for the majority of small claims. Less than 10,000 yuan accounted for 80% of the cases of about 3,000 yuan accounted for about 50% of cases, less than 1,000 yuan accounted for 40% of the cases left, the amount of individual cases is only tens of dollars, enough to see the proportion of small claims great. Small amount of compensation of 4% per year increase, while the insurance company for each micro-Pei An effort was involved in almost Peian quite large. Insurance companies put in a lot of manpower and material resources.
It was his understanding, the insurance company deal with each 500 yuan less Peian costs for approximately 250. In addition, because the results arising from such incidents are not particularly serious, so this would make scheduled to damage in handling such cases to determine the loss, the attitude would be more random, there is a certain amount of compensation water. In addition, the larger moral hazard has become a small settlement of claims by insurance companies to face the greatest risk.
To prevent the repair shop "to eat Insurance"
In fact, long been in the business auto insurance insurance company has been plagued by both sides. First, moral hazard in auto insurance claims, a few will hurt people, repair shop and the insured person to unite "to eat insurance." An insurer to investigate learned that the end of each year, auto insurance a few hundred dollars for small compensation case, Trinidad and Tobago, while the answer to this question is a bit ridiculous: a few thousand dollars a year to pay insurance premiums in the money is coming period is also not had an accident that did not receive compensation, the whole point of "small injury minor illness" Let the insurance companies lose a few hundred yuan, psychology of balance. This is in fact a typical example of one of the risk of moral hazard. Second, too many small-Pei An necessarily involve too much energy, increase the insurance operating costs.
Some experts believe that the insurance company clients in order to master the control of the insured vehicle, sending someone to investigate not only time-consuming and laborious, but also the face of hundreds of thousands of customers are also impossible. It is only through the use of economic means to avoid the insured to purchase insurance because of moral hazard arising and psychological risks. Through the loss-sharing approach, set deductible amount, the insured person must bear the losses when the loss part of it. Are not insured and therefore do not normally subject to the risk faced by the insurance to pay more attention. In order not to make their own losses, the insured person will take the initiative to adopt a number of means and methods to prevent loss, protect their property and interests.
Insurance companies, through this way that the insured person for their control of the risk, save the self-management cost of the insured vehicles, and more effective in reducing the risk of moral hazard and the occurrence of psychological stability of the risk probability of occurrence. Although the deductible amount of the insured person insured in making the insurance, it can not be completely avoided the real losses, but would be the point of view, can effectively reduce risk and avoid losses. Therefore, this method is not the malicious acts insurance companies.
"Deductible" is a double-edged sword
Found in the mining press, no one insurance company believe that the introduction of the absolute deductible provisions of great significance. But the market does not seem to appreciate that some owners also raised its own questions: "absolute deductible insurance companies to implement the legal basis for what?" They believe that premium rates are set by insurance companies, policyholders to buy insurance, paid Since it is 100% of the cost, then the insurance company at the time why can not 100%? Since the cost of insurance paid 100, they should go to 100% of the insurance compensation, which is only right and proper.
In addition, they also raised by insurance companies, "introduction of an absolute deductible is to strengthen the owners driving safety awareness, discipline of drivers with high accident rates," also raised a different opinion. In their view, accident occurred, the victim will be punished from the views of the traffic management department, insurance companies, whether the right vehicle owners once again dealing with right? Worse still think calmly said that insurance companies can bring the perpetrators to punish traffic, its "punishment" payments only to the state treasury, while the insurance companies should not be "legitimate" business income.
A well-known automotive critics, "sharply," that the insurance company holds the insurance contract-making powers, the power of interpretation, as well as the right to compensation. Owners in an already formatted insurance contracts to sign, it means that all of the contract terms are to be recognized, few owners will carefully study the most cumbersome and complex insurance contracts. Thus, in the absence of insurance contract understood circumstances, the case of an accident, the insurance company will certainly stand on their own interests to maximize the angle of the vehicle owners claims, and the results will naturally and owner of the original ideas have great differences .
The source said that auto insurance deductible absolute terms, although not a big policy, but also a large part of the people is directly related to the interests of the event, because auto insurance is property insurance involved in the masses in the most extensive insurance. Most of the people less understanding of the absolute Mianpei Shuai, absolutely deductible meaning of these concepts and their pros and cons pros and cons. When a time when the company introduced the provision, whether the owners of the contract, and whether absolute exemption from the obligation to explain clearly to a large extent, insurance companies and policy holders become the root causes of conflicts arising.
Some lawyers pointed out that the terms of the absolute deductible once beyond the scope of rationalization, it could constitute a violation of the interests of consumers. Absolutely deductible is a "double-edged sword," which allows insurance companies to obtain short-term profits, but equally there is a big possibility is to allow insurance companies in the long run will lose customers and eventually lose the market.
Three defect restraints "deductible" system
In fact, through improvements in real-deductible system, insurance companies, less entangled in a large number of small Peian have the energy to enhance the exploration of large Peian claims management, and will improve the overall level of operation and management of auto insurance. Meanwhile, the auto insurance business in the above-mentioned moral hazard can be more effective control of rates and more accurate, scientific and reasonable.
Being insured, the premium rate of science, the flavor that is both fair and reasonable, insurance companies, strengthen risk management appear to be those who paid the insured amount of not less than the compensation limit for compensation but it is actually a result of effectively controlling the Moral hazard reduction payment, deductible system improvements ultimately benefit the insured.
To reach the other side need to "bridge" or "boat", stands to reason that the above-mentioned reason for the insured person is not difficult to understand them, but why everyone seems to not go for it, be properly a matter why it reacted so strongly? Reporter analysis of the main reasons are:
First, the lack of adequate preparations for the necessary public opinion, did not let the majority of the people know the details specified reason. Auto insurance is property insurance and the masses in the face of the most extensive insurance. Most of the people less understanding of the absolute Mianpei Shuai, deductibles and connotation of these concepts and their pros and cons pros and cons.
Secondly, the neglect of the insurance consumer's right to choose. Guarantor designing such improvements without replacement or alternative options for policy-holders options. Some people say that insurance companies have no choice so the terms of the "King terms" is not without justification. Insurers, the insured should be adopted to the right to choose, and through appropriate economic instruments to guide the insured person the absolute deductible system, instead of "blocking" approach. "Pressed" insured person "to give in," being suspected of a monopoly, there is illegal, and certainly would cause consumer dissatisfaction.
Third, the terms of the design is not comprehensive enough, and the supporting. The implementation of a system of deductibles, in addition to rates of linkage with the outside, but also with the appropriate combination of incentives. Select an absolute deductible for policy holders, equivalent to a part of the insurance companies share the risk, then the premium should be on offer. If such a deductible in the design of a system for improvement, but also do other aspects of the article. For example, in renewal, "On back," there are some different from the previous preferential arrangements, and to eliminate "security back to" early issues, it would further increase the attractiveness of the terms of such improvements.
