The official implementation of the comprehensive reform of motor insurance aims to make the insurance industry closer to the needs of the people and more humane. For those who strictly follow the traffic rules and try to reduce the number of accidents, this reform undoubtedly brings more advantages and benefits.
First of all, let's talk about the outstanding highlights of the comprehensive reform of auto insurance. As we all know, compulsory traffic insurance is one of the inevitable insurance items for car owners, so its changes have a decisive impact on car owners. In this reform, compulsory traffic insurance has been changed at many levels, which can be roughly divided into three points: the price is more affordable, the protection is more sufficient, and it is beneficial to excellent car owners.
The first highlight is that the price of compulsory liability insurance has become more affordable. According to the new regulations, the price reduction of compulsory liability insurance will be increased from the original 30% to 50%. This means that as long as you drive safely and avoid accidents as much as possible, the premiums you pay will be reduced accordingly. Especially for those who have never been out of insurance, you can enjoy up to 50% discount on your premium, which is more cost-effective than before. In addition, even if there is a minor traffic accident, as long as there are no casualties on both sides and the compensation does not exceed 2,000 yuan, there is no need to worry about the increase in premiums for the next year, which undoubtedly reduces the financial burden of car owners.
Second, more adequate security is also the top priority of this reform. The overall liability limit of compulsory traffic insurance has been increased from the original 122,000 yuan to 200,000 yuan. Specifically, the compensation limit for death and disability has been increased from 110,000 yuan to 180,000 yuan, the medical compensation limit has been increased from 10,000 yuan to 18,000 yuan, and the compensation limit for property damage has remained unchanged at 2,000 yuan. In this way, after a traffic accident, the insurance company will be able to provide a higher claim amount for the informant, so as to better protect their legitimate rights and interests.
In short, with its unique charm, the comprehensive reform of auto insurance has opened a new chapter in the mainland insurance industry. Its core value concept is to respect and sympathize with the needs of customers, integrate the rational service of market economy into the design of insurance products, comprehensively enhance the competitiveness of the insurance industry, and contribute to the new journey of building a modern socialist country in an all-round way. Finally, through this reform, consumers will enjoy more affordable insurance prices, more complete insurance protection and more abundant insurance services, truly realizing people-oriented, fair and reasonable, and making China's insurance industry move towards a more brilliant tomorrow.
For the majority of car owners, the comprehensive reform of auto insurance is undoubtedly of great significance. With this reform, car owners have the opportunity to enjoy more affordable premiums, higher liability limits, and a wider range of insurance services.
Source: Gengen said the car