Hitchhiking and insurance? 50, hitchhiking with insurance?

Then it depends on whether the rideshare company has purchased car insurance for this car, and if not, have you personally purchased car insurance for this car? If you go to the insurance company to complain about the claim, the insurance company will take your insurance contract to review, and after passing it, it will send someone to collect evidence and investigate the information and other related issues, I suggest that you have better collect good information and accident information to find some insurance legal service platforms to consult, such as the claims help claims legal service platform, where there are lawyers and claims experts engaged in insurance law, you can consult for free to the questions you want to know, hope.

Hitchhiking means that someone will voluntarily take you to where you want to go, and insurance means that after you get sick, the insurance can help you pay for it, and it won't cost much.

Crosses and vampires within the world.

Hitchhike. It is an energy-saving, environmentally friendly, and travel mode, as well as a sharing economy model that saves social resources. If a private car is involved in a traffic accident, will the insurance refuse to pay as soon as possible?

Registered for the ride-hailing platform. We have not received the order, and the insurance company has no conclusive evidence to determine that we are engaged in business activities, so we cannot refuse compensation. But if you have registered with the platform, you have also taken the order.

The owners of the cars who have run the hitchhikers know that every time they take an order, there is a yuan to buy insurance for the car, so the insurance company we insured check the insurance record of the vehicle. There is evidence of whether our vehicles have been operated. If there is an accident, if the insurance company does not pay the claim, you can try to contact the platform to see if the insurance of the yuan will compensate.

In addition, another criterion for the insurance company's claim determination is whether it is for profit.

A small number of ride-hailing is a non-operational activity, and the insurance company must be liable for a traffic accident that occurs for a reasonable number of ride-hailing trips and ride-hailing on normal commuting routes. Then, judging from the current judgment of the court, it is reasonable to not exceed two times a day. If there are too many times, it will be recognized as an operational behavior, and the probability of insurance rejection is very high.

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If a private car is registered as a hitchhiker, the insurance company will not pay for it. Because private cars are purchased on a non-operational basis when purchasing insurance, if they are engaged in the ride-sharing business, the purpose of the ride-sharing is to operate, which changes the nature of the vehicle's use. In the insurance contract, it is stipulated that the vehicle is modified, the nature of use is changed, the use is changed, and the risk of the vehicle is increased without the consent of the insurance company, and the insurance company will not compensate.

If you want to get insurance compensation, there are two ways, one is to go to the insurance company to report the vehicle to recalculate the insurance premium, and the other is to change the nature of the vehicle's non-operation to the nature of online car-hailing use, and the insurance can be compensated normally.

Extended information: 1. The concept of environmental protection and energy saving, alleviating traffic pressure, and promoting trust between people, so that more people can understand hitchhiking, support and join this public welfare activity, and promote green travel, civilized transportation, and everyone pays attention to environmental protection.

Hitchhiking is a popular term in the 21st century, which means hitchhiking, ride-hailing, and carpooling. Shunfeng has the meaning of smooth, harmonious and smooth in the Chinese dictionary, and also refers to traveling in the direction of the wind. Advocate friends on the same road to travel in a car to reduce traffic pressure and add points to the environment.

On December 21, 2016, Beijing's "Detailed Rules for the Administration of Online Taxi Booking Services" was officially released.

On August 31, 2018, the second meeting of the Inter-Ministerial Joint Conference on the Coordination and Supervision of New Transportation Formats was held, and it was decided to carry out a comprehensive inspection of all online ride-hailing platform companies nationwide from September 5.

From March 1, 2020, the ride-hailing service from Han, Hubei and Beijing will be completely suspended.

Second, policy supervision.

On July 28, 2016, the General Office of the People's Republic of China issued the Administrative Measures for Online Car-hailing, clarifying the legal status of online car-hailing, and implementing market-regulated prices for online car-hailing, and guiding prices when necessary. The "Guiding Opinions on Deepening Reform and Promoting the Healthy Development of the Taxi and Automobile Industry" (hereinafter referred to as the "Guiding Opinions") and the "Interim Measures for the Administration of Online Taxi Booking Business Services" (hereinafter referred to as the "Interim Measures").

Hello, dear. Hitchhiking refers to the meaning of hitchhiking, ride-hailing, and carpooling, which is essentially to pick up one or two orders along the way, and passengers get on and off the bus between the driver's starting and ending points. Hitchhiking is not an online ride-hailing service, and it does not need to apply for a relevant permit, but it needs to meet the following four prerequisites:

1. The owner's travel route is fixed: it should be based on the owner's own travel needs and the premise of the travel information released in advance. 2. The travel route of both parties is the same

If a person with the same route chooses a carpool, neither the owner nor the passenger can change their route for profit. 3. Not for profit: passengers and car owners share part of the travel cost or free mutual assistance.

4. Limit on the number of rides: There is a certain limit on the number of carpools per car per day. After all, hitchhiking does not "belong" in the category of online car-hailing, which means that it is not for the purpose of "making profits", but just following the original intention of hitchhiking:

It is mainly based on sharing the cost of travel.

Hitchhiking may affect insurance company claims. The reason for the insurance company's refusal to compensate for hitchhikers that have been involved in traffic accidents is that the Basic Terms and Conditions for the Commercial Insurance Industry of Motor Vehicles (Paragraph A) stipulate that "during the insurance period, if the insured motor vehicle is modified or installed, or the insured family self-used car or non-business car is engaged in business transportation, etc., resulting in an increase in the risk of the insured motor vehicle, the insurer shall be notified in writing in a timely manner." Otherwise, the insurer shall not be liable for compensation for the insured accident that occurs due to the increased degree of danger of the insured motor vehicle.

In addition, similar provisions are contained in the Model Clauses for Comprehensive Commercial Insurance of Motor Vehicles of the Insurance Association of China.

However, many people also have different views on the insurance company's refusal to pay compensation for hitchhiking, among which Zhu Wei, deputy director of the Communication Law Research Center of China University of Political Science and Law, has a representative view: hitchhiking is a kind of sharing travel behavior, although it is profitable, but it is not for profit, and it does not change the purpose of the vehicle, so there is no need for the hitchhiker owner to notify the insurance company where he purchased the insurance is located. If the driver has driven both an operational express car and a sharing ride, whether the insurance company pays the claim depends on the behavior caused by the accident.

1.Hitchhike.

Non-operational nature, in the event of an accident, the insurance company generally needs to compensateSpecial circumstances: The name of "hitchhiking" is actually an operational behavior, which is not essentially different from online car-hailing, and the insurance company will not pay compensation in the event of an accident

2.An insurance company is an insurance company in accordance with the Insurance Act and the Companies Act.

A corporate legal person established by the company. The insurance company collects the premium, invests the capital obtained from the premium in assets such as bonds, **, loans, etc., and uses the income from these assets to pay the insurance compensation determined by the policy. Through the above-mentioned business, insurance companies are able to make a profit by obtaining high returns on their investments and providing appropriate insurance services to their customers at lower premiums.

3.The business of insurance companies is divided into two categories:

1) Life insurance.

business, including life insurance, health insurance, accident insurance.

and other insurance business. Liquid fierce.

2) Property insurance business, including property damage insurance, liability insurance, and credit insurance.

Guarantee insurance and other insurance business. Insurance companies in China are generally not allowed to engage in life insurance business and property insurance business at the same time.

4.An insurance company is an insurer that operates insurance business in the form of a corporate organization. The insurer in the insurance relationship has the right to collect insurance premiums and establish insurance premiums.

At the same time, when an insured event occurs, there is an obligation to compensate the insured for financial losses.

5.An insurance company is a company that sells insurance contracts and provides risk protection. An insurance company is an economic organization that operates the insurance industry.

Insurance companies refer to commercial insurance companies established with the approval of the China Insurance Regulatory Authority and registered in accordance with the law, including direct insurance companies and reinsurance companies.

Extended Materials: Main Types.

1.Insurance company shares, insurance companies.

A joint-stock insurance company is similar to a joint-stock company in other industries, and is established by the promoters in accordance with the Company Law, which specifies the number of promoters of the company, the limit of the company's debts, the types of issuances, taxes, business scope, the powers of the company, the application procedure, the company's license, etc. Western developed countries.

The company's organization is made up of three power groups, namely shareholders, the board of directors, and senior managers.

2.Insurance companies are mutual insurance companies.

A mutual insurance company is also a form of corporate organization, but it is a non-profit corporation that has no shareholders and the company is owned by the policyholder (policyholder). Therefore, the policyholder has a dual identity, being both the owner of the company and the customer of the company. The shareholders of the joint-stock insurance company are not necessarily the customers of the company, and the policyholders of the mutual company, as the owners, may participate in the election of the board of directors, and the board of directors appoints the senior management of the company.

Specializing in the business operation and management of the company. The policyholder can obtain"Bonus"share business results.

3.Insurance company captive insurance company.