·The new version of the commercial vehicle insurance model clause solicited opinions, many of the overlord terms were modified
Many auto insurance “overlord clauses†were revised. The new version of commercial auto insurance model clauses for comments morning report (Reporter Sun Chunxiang) auto insurance can not be effective in time after purchase, high insurance and low compensation, third party liability insurance does not include the owner or driver family... These overlord terms are abolished Or modify. A few days ago, the China Insurance Industry Association publicly solicited opinions on the "2014 version of the commercial auto insurance industry model clause." Dip Production Line,Manual Insertion Conveyor,Manual Pcb Insertion Line,Pcb Insertion Assembly Line Foshan Heiteng Intelligent Technology Co., Ltd , https://www.fsheitengproductionline.com
In the current auto insurance clause, “high insurance and low compensation†is the most criticized. The so-called "high security and low compensation" means that when the owner of the vehicle is reinstated, if the vehicle has a total loss, the insurance company will only settle the claim at the actual price after depreciation of the vehicle. In this regard, the new model clause requires that in the event of total loss, the compensation should be calculated on the basis of the amount of the insurance. In the event of a partial loss, the compensation is calculated within the insurance amount based on the actual repair cost.
For the third-party liability insurance that often encounters legal disputes, the model clause has also been modified to invalidate the insured or the driver’s family. The three-person insurance “personal injury to the insured and the driver’s family members†Included in the coverage.
In addition, the current contract practice of insurance companies is to take effect from the next day after the insurance premium is paid. In the revision of the model clause, the agreement of “the next day is effective at the time of the next day†is deleted from the insurance policy, but the policyholder is given a choice, either “the next day is effective at zero time†or “immediately effectiveâ€.
In addition to the above changes, the new model clause also integrates the current 38 additional risks into 11 and some additional risks related to the actual risk protection and related to value-added services are deleted.