What are the new rules for car insurance in 2021?

The new regulations on motor insurance are mainly related to compulsory traffic insurance and commercial insurance. According to the "Guiding Opinions on the Implementation of the Comprehensive Reform of Auto Insurance", in order to better play the role of compulsory traffic insurance protection, according to the "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability", the China Banking and Insurance Regulatory Commission, together with the Ministry of Public Security, the Health Commission, and the Ministry of Agriculture and Rural Affairs, will study and increase the liability limit of compulsory traffic insurance from 10,000 yuan to 200,000 yuan;

Among them, 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 at 10,000 yuan. The compensation limit for non-liability is adjusted according to the same ratio, of which the compensation limit for death and disability is increased from 10,000 yuan to 10,000 yuan, the compensation limit for medical expenses is increased from 1,000 yuan to 1,800 yuan, and the compensation limit for property damage remains unchanged at 100 yuan.

The implementation date of the 2020 comprehensive reform of motor insurance is September 19, 2020, and after the comprehensive reform of motor insurance, the protection changes are as follows:

Commercial insurance: 1. Theft, glass breakage, spontaneous combustion, wading, and inability to find a third party are all incorporated into the car damage insurance, and there is no need to purchase it separately;

2. Regardless of deductible, it is incorporated into the main insurance, and there is no need to apply for insurance separately;

3. The indemnity waiver and some exemption clauses have been deleted;

4. Deleted the special insurance of the designated repair factory;

5. Special clauses such as accident insurance products and value-added services for car insurance have been added;

6. The liability limit of the three liability insurance has been increased to 100,000 yuan to 10 million yuan.

Compulsory traffic insurance: 1. Liability compensation limit: the compensation limit for death and disability is increased to 180,000 yuan, the compensation limit for medical expenses is increased to 10,000 yuan, and the property loss is still 2,000 yuan;

2. Compensation limit for no liability: the compensation limit for death and disability has been increased to 10,000 yuan, the compensation limit for medical expenses has been increased to 1,800 yuan, and the property loss is still 100 yuan.

The new regulations for 2021 auto insurance are: payment will be made in accordance with the reformed plan, and the payment discount will be based on increasing the liability limit of compulsory traffic insurance, combined with the comprehensive loss ratio of compulsory traffic insurance in various regions.

The regional floating factor is introduced into the road traffic accident rate adjustment coefficient, and the upper limit of the floating rate remains unchanged at 30%, and the lower rate is expanded from the original minimum of -30% to -50%, so as to increase the preferential rate for consumers who have not paid compensation.

Extended Information: Support the industry in expanding the scope of commercial auto insurance coverage under the principle of basically not increasing consumer premium expenditure. Guide the industry to apply the main insurance clause of the motor vehicle damage insurance of the motor vehicle demonstration product on the basis of the existing insurance liability.

Increase insurance liabilities such as theft of motor vehicles, separate glass breakage, spontaneous combustion, engine wading, no deductible odds, and inability to find a third-party special contract.

I hope that the subject and netizens will accept and thank you.

The 2021 motor insurance reform** is mainly reflected in commercial insurance.

The change is that the car loss insurance combines seven additional insurances, including glass insurance, theft insurance, and deductible, and seven additional insurances.

Previously, these seven types of insurance could be purchased separately, but now they cannot be purchased separately, if you only buy without deductible, you must buy it together with car damage insurance, the details are as follows:

New policies for car insurance in 2021.

From January 1, 2017, insurance companies nationwide will implement a new vehicle insurance rate policy, and the premium for 2 times of insurance will be doubled!

Therefore, the current car insurance fee standard does not match the level of risk, which is unfair to both insurance companies and car owners.

Differences in the new rules for auto insurance:

1. The premium is calculated according to the actual value of the vehicle, and the premium of different cars at the same price is different.

2. The less the accident and the better the driving habits, the lower the premium.

3. The new regulations expand the scope of insurance liability. The family members of the insured or the driver can be compensated under the three liability insurance, compared with the past situation where the insurance did not pay for the collision with their own family, after the fee reform, the scope of their insurance liability has become wider. In addition, vehicle losses caused by natural disasters such as typhoons, tropical storms, blizzards, ice, sandstorms, and hail have also been added to the insurance liability of vehicle damage insurance, and a number of liability exclusion provisions have also been deleted for each type of insurance.

4. Add the right of "subrogation". When I encounter an insured accident for which the other party is fully responsible, if the other party is insufficient or unable to compensate, the injured party can request his insurance company to pay compensation first, and then the insurance company is responsible for recovering from the other party.

There are four ways to renew your vehicle insurance:

1. You can directly call the insurance company to renew the insurance, through the insurance company, the type of insurance, and the protection of the service, the policy can be picked up by the owner at the store, or the insurance company can be mailed directly.

2. You can directly enter the official website of the insurance company to apply for insurance, enter the information of the vehicle, and choose the type of insurance purchased to insure, and the policy can be collected by the owner at the store, or you can let the insurance company mail it directly.

3. You can find a salesman who does insurance to buy, and the salesman will introduce detailed insurance types and ** to the owner.

4. The owner can go directly to the insurance company's store to make a purchase. The purchase of insurance requires the owner's ID card and driving license, if the purchase needs to have commercial insurance, you need to bring the car over, you need to take a picture of the car to inspect the car**.

Suggestion: There are many types of car insurance, if you want to protect your rights and interests, you should complete the corresponding car insurance. If you still don't understand, please consult a professional. One more insurance, one more protection.

"There is no adjustment to the 2021 car insurance policy, and the latest new policy that started on September 19, 2020 will be extended.

The insurance regulator "China Banking and Insurance Regulatory Commission" issued an announcement that the 2020 version of compulsory traffic insurance will be officially implemented from 0:00 on September 19, 2020, and at the same time announced the long-awaited zoning rate adjustment standard (adjusted according to the location of 5 categories).

Brief summary: 1. After the reform of the new policy, the total liability limit of compulsory traffic insurance has been increased from 10,000 yuan to 200,000 yuan (the compensation limit for property loss remains unchanged at 2,000 yuan), of which 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 loss has remained unchanged at 10,000 yuan;

The limit of non-liability shall be adjusted in accordance with the same proportion, of which the limit for death and disability will be increased from 10,000 yuan to 10,000 yuan, the compensation limit for medical expenses will be increased from 1,000 yuan to 1,800 yuan, and the compensation limit for property damage will remain unchanged at 100 yuan.

Second, the increase in the liability limit of compulsory traffic insurance, it is certain that for drivers and pedestrians, there are more protections, the announcement stipulates the switching time and transition arrangements, and clarifies that if a road traffic accident occurs after 0:00 on September 19, 2020, the new compulsory traffic insurance and the old compulsory traffic insurance policy will be implemented in accordance with the new liability limit.

Third, the overall reduction of the premium rate of car insurance, driving habits and good safety awareness of car owners will benefit more, the role of "rewarding the good and punishing the bad" is more obvious, which is conducive to promoting the majority of car owners to standardize driving behavior, further promote traffic safety, and enhance social stability.

Fourth, compulsory traffic insurance is only the most basic protection for car owners, and if you want to transfer large risks, you must purchase car damage insurance, and car damage insurance has also changed a lot in this reform.

We can see that the main purpose of the state's policy regulation and control is, in the final analysis, one, that is, to let the people live and work in peace and contentment, and to use the tools of insurance to escort us. As an insurance broker, share insurance and financial knowledge, help everyone interpret the terms, understand insurance, and buy the right insurance. "

1. Commercial auto insurance products are more abundant.

Accident insurance products for drivers and passengers have been added, including special terms for value-added car insurance services such as inspection delivery, roadside assistance, driving services, safety testing, etc., to provide consumers with more standardized and abundant car insurance products and services.

2. Commercial vehicle insurance** is more scientific and reasonable.

At the same time, the upper limit of the surcharge rate for commercial auto insurance products has been lowered from 35% to 25%, and the expected loss ratio has been increased from 65% to 75%, so that the rate of auto insurance products is more compatible with the risk level.

3. The marketization level of auto insurance products is higher.

Gradually liberalize the floating range of independent pricing coefficients, the first step is to determine the range of independent pricing coefficients as [ , and the second step is to completely liberalize the range of independent pricing coefficients in a timely manner.

4. The preferential treatment coefficient of no compensation is further optimized.

The preferential coefficient of no compensation for commercial auto insurance will be expanded from the previous 1 year to the previous 3 years, and the rate increase for consumers with incidental claims will be reduced.

5. The liability limit of compulsory traffic insurance has been greatly increased.

The total liability limit has been increased from 10,000 yuan to 200,000 yuan, of which 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 at 10,000 yuan. The compensation limit for non-liability is adjusted according to the same ratio, of which the compensation limit for death and disability is increased from 10,000 yuan to 10,000 yuan, the compensation limit for medical expenses is increased from 1,000 yuan to 1,800 yuan, and the compensation limit for property damage remains unchanged at 100 yuan.

6. The insurance liability of commercial auto insurance is more comprehensive.

The main insurance liability of the new motor vehicle demonstration product has increased the insurance liability of motor vehicle theft, theft and robbery, glass breakage, spontaneous combustion, engine wading, etc., deleted the accident liability waiver odds, unable to find a third-party waiver odds and other exclusion agreements, and deleted the exemption clauses that are easy to cause claims disputes in practice, so as to provide consumers with more comprehensive and complete auto insurance protection services.

In 2021, the new regulations on motor insurance are divided into compulsory traffic insurance and commercial auto insurance.

According to Article 2 of the Notice of the China Banking and Insurance Regulatory Commission on Printing and Distributing the Guiding Opinions on the Comprehensive Reform of Auto Insurance, the total liability limit of compulsory traffic insurance will be increased from 10,000 yuan to 200,000 yuan, of which the compensation limit for death and disability will be increased from 110,000 yuan to 180,000 yuan, the compensation limit for medical expenses will be increased from 10,000 yuan to 10,000 yuan, and the compensation limit for property damage will remain unchanged at 10,000 yuan. The compensation limit for non-liability and simple appointment will be adjusted according to the same proportion, of which the compensation limit for death and disability will be increased from 10,000 yuan to 10,000 yuan, the compensation limit for medical expenses will be increased from 1,000 yuan to 1,800 yuan, and the compensation limit for property damage will remain unchanged at 100 yuan.

According to the first paragraph of Article 2 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, the owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.

Legal basis. Article 2 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability (2019 Revision) The owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall purchase compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China. These Regulations shall apply to the insurance, compensation, supervision and management of compulsory insurance for motor vehicle traffic accident liability.

Article 2 of the Notice of the China Banking and Insurance Regulatory Commission on Printing and Distributing the Guiding Opinions on the Implementation of the Comprehensive Reform of Automobile Insurance In order to better play the role of compulsory traffic insurance protection, according to the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, the China Banking and Insurance Regulatory Commission, together with the Ministry of Public Security, the Health Commission, and the Ministry of Agriculture and Rural Affairs, will study and increase the liability limit of compulsory traffic insurance, and increase the total liability limit of compulsory traffic insurance from 10,000 yuan to 200,000 yuan, of which the compensation limit for death and disability will be increased from 110,000 yuan to 180,000 yuan, and the compensation limit for medical expenses will be increased from 10,000 yuan to 10,000 yuan. The compensation limit for property damage remains unchanged at 10,000 yuan. The compensation limit for non-liability is adjusted according to the same proportion, of which the compensation limit for death and disability is increased from 10,000 yuan to 10,000 yuan, the compensation limit for medical expenses is increased from 1,000 yuan to 1,800 yuan, and the compensation limit for property damage remains unchanged at 100 yuan.