The discount provisions for car insurance after the fee reform, and the new terms of car insurance a

The purpose of the auto insurance rate reform is to lower the lower limit of the floating coefficient of commercial auto insurance rates, further transfer profits to the market, and rely on market-oriented means to reduce the level of commercial auto insurance rates, benefiting thousands of households. For more information, please contact the respective insurance company.

After the car insurance premium is changed, the cost will be lower than the previous one, but the range will not be too different.

The content of the car insurance reform:

1. The liability limit of compulsory traffic insurance has been increased.

In the compensation limit for death and disability of compulsory traffic insurance, the compensation limit for death and disability has been increased from 110,000 yuan to 180,000 yuan, the compensation limit for medical expenses has been increased from 10,000 yuan to 10,000 yuan, and the compensation limit for property damage has remained unchanged.

In the compensation limit for death and disability of compulsory traffic insurance, the compensation limit for death and disability has been increased from 10,000 yuan to 10,000 yuan, the compensation limit for medical expenses has been increased from 1,000 yuan to 1,800 yuan, and the compensation limit for property damage has remained unchanged at 100 yuan.

2. The liability limit of third-party liability insurance is increased.

The liability limit of third-party liability insurance has been increased from 50,000-5 million yuan to 100,000-10 million yuan, which can better supplement the compulsory traffic insurance and choose a higher amount of insurance to resist risks.

3. Increase the responsibility of guarantee.

On the basis of the existing insurance liability, the insurance liability in seven aspects, including motor vehicle theft insurance, glass breakage insurance, spontaneous combustion insurance, wading insurance, insurance without deductible odds, designated repair shop insurance and insurance that cannot find a third party, is added, so as to provide consumers with more comprehensive and complete car insurance protection services.

The first fee change is to reduce the premium for customers who have not been insured for many years, and to increase the premium for customers who have been insured for many times.

The second fee reform is to directly reduce the premium of commercial insurance.

It must have risen, my Mercedes-Benz E-class 2019 PICC **6700, discount 1000, actual payment 5700, after this year's fee reform, it will be 8400, discount 500. It's still not out of danger, dizzy.

Before the fee reform, there was no spontaneous combustion, wading, and robbery 4s to report to me 4500, and 1000 is returned. After the fee reform, **5900-6100, the car damage is more than 4000.

After the fee was changed, ** went up! It has risen by more than 5,000 yuan! It's infuriating!!

Legal analysis: 1. Commercial auto insurance products are more abundant.

After the reform of the hall, industry model clauses and innovative clauses of insurance companies coexist, enriching the supply of commercial auto insurance products and meeting multi-level and diversified insurance needs.

2. The coverage of multiple types of insurance has been broadened.

The new version of commercial auto insurance has broadened the scope of protection, expanded the insurance liability of car damage insurance, three-party insurance, vehicle personnel liability insurance and other insurance, including the damage of the reversing mirror, the lamp alone, the falling of the car's car, and other matters that used to be covered with additional insurance to be compensated are now included in the main insurance liability, and there is no need to spend additional money to insure. At the same time, it also solves the so-called "high insurance and low compensation" and "no liability and no compensation" that confuse consumers, and protects the interests of consumers.

3. Past claim records have a greater impact.

The reform, emphasizing the impact of previous years' claims records on premiums among the many factors that form the actual rate, the non-compensation preferential coefficient has been adjusted from the original to that most car owners with good driving habits, low insurance frequency and low accident risk will enjoy lower rates, and there are also a few car owners with high insurance frequency and high risk The premium has risen. It embodies the principle of fewer accidents, less payment, more accidents, more payment. To sum up, in the latest auto insurance premium reform plan, the new terms and rates of commercial auto insurance have been reduced, and the floating lower limit of the independent channel coefficient and underwriting coefficient has been adjusted to about the same.

This means that insurance companies have more room to adjust premiums, and for the people, they undoubtedly get benefits. In addition, the new clause also establishes the principle of fewer accidents, less payment and lower premiums.

Legal basis: Insurance Law of the People's Republic of China

Article 10 An insurance contract is an agreement between the policyholder and the insurer on the relationship of insurance rights and obligations.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract.

An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

Article 11 The conclusion of an insurance contract shall be made through consensus and the rights and obligations of all parties shall be determined in accordance with the principle of fairness.

Except where laws and administrative regulations stipulate that insurance is mandatory, insurance contracts are concluded voluntarily.

Article 12 The policyholder of life insurance shall have an insurance interest in the insured at the time of the conclusion of the insurance contract.

The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event.

Life insurance is insurance that takes a person's life and body as the subject of insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance.

The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money. The policyholder can be the insured.

Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

The reform of car insurance premiums is a reform measure for motor vehicle insurance in Tingqiao, because motor vehicle insurance specifically includes three parts: compulsory traffic insurance, commercial insurance and additional insurance, so after the fee reform, these three parts will also have some corresponding changes. For example, the total amount of compulsory traffic insurance has been increased to 200,000 yuan, the amount of disability or death has been increased to 180,000 yuan, the medical expenses have also been increased by 8,000 yuan, and the amount of non-liability compensation has also been increased. Commercial insurance has included some of the original additional insurances into the scope of the new commercial insurance, and the number of main insurances has become 3 and the number of additional insurances has become 11.

Excluding deductibles, it is actually a kind of additional insurance, which is usually applicable to commercial auto insurance, because it is an additional type of insurance, then there must be a corresponding main insurance to be able to insure. If there is a loss caused by an accident agreed in the main insurance contract, there is a certain deductible amount in the main insurance contract, which originally needs to be borne by the insured himself, and due to the existence of the additional insurance of not pretending to be a deductible, this part of the amount will be borne by the insurance company in accordance with the contract agreement without deductible.

The car insurance premium reform is the car insurance premium reform, which is a reform of the current commercial car insurance, and the car owner will have less insurance in the future, and its premium will become more preferential. After the reform of commercial auto insurance premiums, it can not only protect the legitimate rights and interests of policyholders and insureds, but also promote the healthy development of the property insurance market. In order to further protect the legitimate rights and interests of policyholders and insureds, maintain the normal order of the property insurance market, and promote the sustainable and healthy development of the property insurance market.

Legal basis: "Opinions on Deepening the Reform of the Commercial Auto Insurance Terms and Rate Management System" II. Establish and improve the mechanism for the formation of commercial auto insurance terms (1) Establish an industry model clause system. The Insurance Association of China (IAC) is responsible for formulating and continuously enriching the model clause system for commercial auto insurance.

The scope of protection of the model clauses of the model clauses of the business delay and industry should meet the reasonable expectations of the public, and the wording of the clauses should be rigorous, standardized, clear and popular. The Insurance Association of China shall, in accordance with the changes in policies and laws and the development of the insurance market, dynamically revise and improve the model clauses of commercial auto insurance in a timely manner, actively promote the standardization and popularization of insurance clauses, and continuously enhance the adaptability of the model clauses of commercial auto insurance.

2) Establish a mechanism for the formation of innovative clauses. Encourage property insurance companies to actively develop innovative terms for commercial auto insurance. Guide property insurance companies to provide insurance consumers with diversified, personalized and differentiated commercial auto insurance protection and services to meet the insurance needs of the public at different levels.

Support the Insurance Association of China to set up an expert evaluation committee for innovative clauses in commercial auto insurance, and establish a scientific, fair and objective evaluation mechanism for innovative clauses. Explore the establishment of an innovative protection mechanism for insurance products.