New law of insurance

New law of insurance
" law of insurance " after revising will be implemented since October 1 of 2009. A great light spot of the new law, it is to strengthen the protection of insured's interests. The insider thinks, after the new " law of insurance " is implemented, promote the function of the reform of the car insurance to be very obvious.
The new law shows humanization especially further
The insider analyzes, compared with current regulation, the new " law of insurance " shows humanization especially further. Take used car insurance which consumers cared about as examples, has done a lot of new regulations to the insurance of the used car by new " law of insurance ", the most obvious one the first paragraph of article 49 stipulates: "Transfer that insurance mark, assignee of whom insurance mark adopt as heir the assured's right and obligation. " This mean vehicle when transfer even if car insurance transfer ownership in time, the insurance company still needs to check; Allowed the car owner to buy the car insurance too before the new " law of insurance " also stipulated the used car and transferred ownership at the same time. According to the regulation of " law of insurance " of new edition, at the time of the transfer that the insurance marks, the automatic alteration of the insurance. This measure prevent property that insurance mark from transfer, go through contract of insurance, transfer ownership, rename as whom procedure lead to the fact, can't receive the situation of insurance indemnity while threatening in time effectively.
To the car owner who insures compulsory liability insurance and commercial car insurance kind, it is expected to become easier that the car settles a claim. New law increase much content to favorable to the assured, except above-mentioned two regarding used car respect the intersection of insurance and regulation revise, new " the law of insurance " fixed driving license examine car owner annually to be expected to be been compensated even, new law clear core pay for and compensate Shi limit, define the intersection of claims rejected and written notification obligation, define one supplement the intersection of claims settlement and material,etc., facilitate the measure at the same time.
Perhaps the premium of car insurance is reduced
In the past, the premium pricing of the car insurance of motor vehicle was based on " the new car purchased prices " ,Even the used car is insured, will only consider the price while buying at first and will not consider using the depreciation question several years later.
The 55th regulation of " law of insurance " of new edition, the insured amount can't exceed the insurance value, exceed insurance value, the overage is invalid, the insurer should return the corresponding insurance premium; Among them, it is a new rule after revising to return the corresponding premium. According to new clause that the employer's organization of the insurance draws up, the amount of money of depreciation =The new car when the insurance accident happened purchased prices * has already the rate of depreciation of several * months in the moon use by the insurance motor vehicle been. According to the standard of the rate of depreciation, car age, 7.2% of annual rate of depreciation from 3 to 4 are calculated on average by each car, the premium of car insurance will be expected to reduce by about 20% totally. Decrease with car dangerous as example, it purchases prices to be after the new a few years such as bus in 100,000 can only compensate according to the actual train price of 70,000 yuan behind depreciation, the car owner will pay few premium corresponding premium of 30,000 yuan.
A relevant person in charge says, after the new " law of insurance " is implemented, the insurance company needs to comb the products again according to the new law in The China Insurance Regulatory Commission's regulation, the operation cost may increase, but this will not become the reason to rise in price. According to " Guangzhou Daily "
Consumers adjust the lawsuit tactics ahead of time
One increases by 48 newly, deletes 19, regulation of revising 126 strings, through more than half a year deliberation, have already caused the extensive attention of the various circles of society. Shortly before the new " law of insurance " is implemented, seemingly calm insurance trade, in fact spring up as undercurrent.
The seventh session of the Standing Committee of the 11th NPC pays and revises the current " law of insurance " in an all-round way on February 28 of 2009, make " law of insurance " rise to 187 from 158 original strings. Insurance trade will launch the products and adjust, replace the great action. " food and fodder should go before troops and horses" ,This is fine tradition that a military commander fights. To car insurance trade, in a more unusual year, after falling into and losing the mire for three years in succession this year, how some provinces spend transition period of new or old regulation steadily, of great significance to every wealth dangerous company. The reporter interviews to learn, there is no company to take the lead in the counter-measure of revealing the car insurance trade yet now in many ways. Every the intersection of car insurance and the intersection of business and everything of insurance company as usual, appear, revise, stipulate or encourage the phenomenon that the car owner contracts ahead of time. But centre on the new " law of insurance ", every family property insurance company has been carrying on tense preparation.
In Miss Wu buy car insurance recently, unexpected to find business personnel give the clause of the car insurance as an addition when being sent insurance policy, "this differ widely with situation of last year, the the intersection of agency and the intersection of method and much obvious speciality of personnel, the ones that have also emphasized to me in the car style regulations specially have exempted in responsibility range. " This is exactly a requirement for a new " law of insurance ". Can find out the intersection of wealth and dangerous company begin until existing terms pay various preheat, work at present already.
Compared with current law, the new " law of insurance " goes further in reflecting humanizedly. Further define legal liability to some illegal activities, strengthen the responsibility investigation of the illegal activities in new law. Especially in the contract law part of the insurance, outstanding and human-oriented, pay attention to protecting the assured's interests further, have strengthened the protection of insured, the assured and beneficiary legitimate rights and interests conscientiously.
These regulations of the new law are mastered by some shrewd consumers too. "I plan to engage the lawyer to put forward the claims after National Day. " Losing Mr. Li of a leg says so in a traffic case. A famous lawyer of lawyer's office in Guangdong says, new law the second paragraph of article 65 prosecute or apply, add extra insurance companies, offer strong legislative authority to joint defendants directly for injured the other person. It is in the joint defendants' case to but delay to add extra insurance companies in the assured are unable to compensate, the victim can apply to add extra insurance companies which gives cover for the liability insurance to compensate the insurance premium for joint defendants directly. This item expand the intersection of consumer and the intersection of rights and interests and the intersection of guarantee and new " the law of insurance " of range, for solve some pass usual the intersection of insurance and dispute that see, offer strong legal guarantee, and to these new regulations, the car owner very expect.


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