For car owners who drive on the roads every day, despite careful care, people who “always walk on the beach†will inevitably face the “wet feetâ€.
Last week, Miss Zhu in Wenzhou, driving an Accord, accidentally “kissed†a Rolls-Royce worth 12 million yuan. The preliminary assessment of the maintenance cost was more than 390,000 yuan, which was called “a kiss of high priceâ€. Although the insurance company paid compensation according to the ceiling, Miss Zhu had to pay for the Accord car for her own mistakes. This amount of compensation may not cause the middle class Miss Zhu to go bankrupt, but it will certainly be a big injury and even bring a heavy shackle to family life. For most owners who drive on the road, the driving principle is the first to avoid pedestrians, but after the “high price kiss†incident, this criterion has changed, and in addition to pedestrians, the main priority is to add luxury cars and even rows. Before the pedestrians.
In accordance with the existing "Road Traffic Law," the driver is responsible for most or all of his responsibilities, resulting in one death from traffic accidents. The compensation is between 500,000 and 700,000 yuan. However, if it is not good for color, you can find millions of dollars worth of luxury cars. In contrast, human life and luxury cars are much cheaper, and even extreme people may even have the ridiculous idea of ​​hitting people “more cost-effective†than hitting a luxury car. The reporter consulted relevant insurance experts on how to avoid collision with luxury cars. The expert's suggestion was that the third party liability insurance coverage was more than RMB 500,000. Consciously abide by traffic regulations and drive on the road to avoid the expensive luxury car by three points.
For car owners who drive on the roads every day, despite careful care, people who “always walk on the beach†will inevitably face the “wet feetâ€. Ms. Zhu had two mistakes in insurance coverage during her accident. One was that she had not purchased the exemption and loss insurance, and the other was that the third party liability insurance coverage was too low. Although the insurance premium was less than 500 yuan, it was It will cost 23 million yuan. At present, the scope of compensation for third-party liability insurance has been extended to people and vehicles in the accident, and the maximum amount of insurance coverage has also increased from the previous 500,000 yuan to 1 million yuan. For those who are worried about the turmoil, the third-party liability insurance may be increased. The sum insured, and the sum of 200,000 yuan and 1 million yuan insured difference is only 600 yuan.
In addition to subjectively enhancing awareness of risk prevention, objective policies and regulations are also indispensable because many accidents are impossible to prevent. The singleness of domestic insurance products is another reason that Miss Zhu has to bear the loss of sky-high prices. Because the luxury car on the road itself has a high risk, if the domestic insurance companies also introduced special insurance products to help improve the luxury car risk self-care system, will greatly reduce the accident damage to both parties. On the other hand, does the country also set appropriate compensation principles for compensation for vehicles with unequal values? In addition to the full responsibility of the party responsible for the responsibility, the owner of the luxury car, the insurance company should also bear some of the responsibility? After the full responsibility party pays the insured amount to the vehicle, should the insurance company of the luxury car exercise the responsibility of “substitution compensation� Imagine if you bumped into Rolls-Royce, not the middle-class Miss Zhu, but an old man who rides a bicycle, it is estimated that maintenance costs will never be able to get compensation from the full responsibility. In fact, many owners have experienced the situation of being repaired after being hit by their own pockets. Therefore, driving a luxury car on the road, the owner himself must bear this risk. Moreover, if the risk of luxury cars is not constrained, driven by interests, more people will be induced in real life through all kinds of "crash" pitfalls for blackmail.
Last week, Miss Zhu in Wenzhou, driving an Accord, accidentally “kissed†a Rolls-Royce worth 12 million yuan. The preliminary assessment of the maintenance cost was more than 390,000 yuan, which was called “a kiss of high priceâ€. Although the insurance company paid compensation according to the ceiling, Miss Zhu had to pay for the Accord car for her own mistakes. This amount of compensation may not cause the middle class Miss Zhu to go bankrupt, but it will certainly be a big injury and even bring a heavy shackle to family life. For most owners who drive on the road, the driving principle is the first to avoid pedestrians, but after the “high price kiss†incident, this criterion has changed, and in addition to pedestrians, the main priority is to add luxury cars and even rows. Before the pedestrians.
In accordance with the existing "Road Traffic Law," the driver is responsible for most or all of his responsibilities, resulting in one death from traffic accidents. The compensation is between 500,000 and 700,000 yuan. However, if it is not good for color, you can find millions of dollars worth of luxury cars. In contrast, human life and luxury cars are much cheaper, and even extreme people may even have the ridiculous idea of ​​hitting people “more cost-effective†than hitting a luxury car. The reporter consulted relevant insurance experts on how to avoid collision with luxury cars. The expert's suggestion was that the third party liability insurance coverage was more than RMB 500,000. Consciously abide by traffic regulations and drive on the road to avoid the expensive luxury car by three points.
For car owners who drive on the roads every day, despite careful care, people who “always walk on the beach†will inevitably face the “wet feetâ€. Ms. Zhu had two mistakes in insurance coverage during her accident. One was that she had not purchased the exemption and loss insurance, and the other was that the third party liability insurance coverage was too low. Although the insurance premium was less than 500 yuan, it was It will cost 23 million yuan. At present, the scope of compensation for third-party liability insurance has been extended to people and vehicles in the accident, and the maximum amount of insurance coverage has also increased from the previous 500,000 yuan to 1 million yuan. For those who are worried about the turmoil, the third-party liability insurance may be increased. The sum insured, and the sum of 200,000 yuan and 1 million yuan insured difference is only 600 yuan.
In addition to subjectively enhancing awareness of risk prevention, objective policies and regulations are also indispensable because many accidents are impossible to prevent. The singleness of domestic insurance products is another reason that Miss Zhu has to bear the loss of sky-high prices. Because the luxury car on the road itself has a high risk, if the domestic insurance companies also introduced special insurance products to help improve the luxury car risk self-care system, will greatly reduce the accident damage to both parties. On the other hand, does the country also set appropriate compensation principles for compensation for vehicles with unequal values? In addition to the full responsibility of the party responsible for the responsibility, the owner of the luxury car, the insurance company should also bear some of the responsibility? After the full responsibility party pays the insured amount to the vehicle, should the insurance company of the luxury car exercise the responsibility of “substitution compensation� Imagine if you bumped into Rolls-Royce, not the middle-class Miss Zhu, but an old man who rides a bicycle, it is estimated that maintenance costs will never be able to get compensation from the full responsibility. In fact, many owners have experienced the situation of being repaired after being hit by their own pockets. Therefore, driving a luxury car on the road, the owner himself must bear this risk. Moreover, if the risk of luxury cars is not constrained, driven by interests, more people will be induced in real life through all kinds of "crash" pitfalls for blackmail.
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