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Data:2009-12-12 2:34
June 19 for the China Insurance Regulatory Commission officially announced the motor vehicle traffic accident liability compulsory insurance (referred to as "cross-strong risk") July 1 issue of the official implementation as well as the insured, the reporter learned yesterday from Xi'an, the major insurance companies, at present the relevant insurance companies have already begun to prepare "pay strong risk" handle matters. Xi'an, the general insurance companies have to remind the owners, due to "pay strong risk" liability insurance is mandatory, and should therefore be in advance are prepared according to their own car insurance.
All vehicles must buy "pay strong risk"
According to provincial insurance regulatory professionals, the relevant provisions of the CIRC according to a recent show, "Strong cross-risk" is China's first statutory compulsory insurance, its specific meaning refers to "by the insurance company the insured motor vehicle traffic occurs caused by the accident of the vehicle and the insured person other than the victim's personal injury, property losses, compensation within the limits of liability of the compulsory liability insurance. "
Because it is mandatory liability insurance law, so each of its motor vehicles to be Sheung have coercive power. That is, those who want to Sheung had to purchase a copy of the motor vehicle insurance (family cars were a premium is 1050 yuan, insurance amounted to 60 thousand yuan).
"Strong cross-risk" and commercial auto insurance completely different
According to reports, "pay strong risk" and the currently available commercial motor vehicle third party liability insurance, the nature of commercial insurance is completely different.
Commercial Vehicle Insurance is the insurance company in the traffic accident the insured person assumed responsibility for the accident to determine its liability. The "cross-strong risk" for a "no-fault liability" principle, which exists regardless of whether the fault of the insured, the insurance company were within the limit of 60,000 yuan in compensation. "Strong cross-risk" covers all areas of road traffic risks, and does not set Mianpei Shuai and deductibles, which is also different from commercial auto insurance. Finally, the "cross-strong risk" for the purpose of insurance is not-for-profit, while a mandatory insurance.
Buy "cross-strong risk" should pay attention to the six items
Since the "pay strong risk" is the vehicle had to purchase the mandatory insurance, then the owner of the insured should pay attention to?
Xi'an, who said several insurance companies, according to the regulations, car owners are free to choose insurance companies. Insured, the insured shall truthfully fill in insurance bills, to insurance companies to provide vehicles copies of certificates and driver's license; contract, the insured should be a one-time premium payment of full Division; should be placed in the insured vehicle insurance identification; insured vehicle due to modifications and changes in the use of nature led to the increase in the degree of risk, should the insurance company to do marking procedures; "strong cross-risk" contract expires, you must promptly renew; insured vehicle shall promptly notify the insurance company accident.
