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The meeting that keep watch hands in rate of cost of strong danger sudden huge p
From;    Author:Stand originally

Rose on July 1 this year, abide by the law defend compasses car advocate hand in strong danger insurance cost to will be reduced. This was yesterday the reporter protects the understanding on an informal discussion that inspect meets to arrive from China. Wide to the near future get attention " hand in strong danger sudden huge profits " view, the meeting that keep watch undertook explaining with all one's strength about the personage.

Make strong narrow pass " sudden huge profits " algorithm is not accurate

Belongings of the meeting that keep watch is sure to superintend Zun Jian of ministry director Guo to say, at present " popularity " make strong narrow pass a few kinds " sudden huge profits " algorithm is not unscientific, accurate, the first because be in 148 million motor vehicle of countrywide,be, besides fifty-one million eight hundred and eleven thousand cars (cursory consideration car all insurance cost is 1000 yuan) outside, still have eighty-two million four hundred and eighty-eight thousand autocycle and thirteen million three hundred and twelve thousand tractors, cursory consideration its car all insurance cost makes an appointment with 100 yuan, such calculating come, casting protect lead the condition that has not obtain 80 % to fall, insurance cost income is insufficient 49.1 billion.

The 2nd, the measure of road traffic accident that door of the Ministry of Communication announces is less than the compensate case amount that pays strong danger far. For example, road traffic accident is not in what the place such as village, parking lot happens, make strong narrow pass compensate pays; In accident of a traffic, often more than a motor vehicle is damaged, every car advocate should go compensate of insurance company manage, the compensate case nature that makes strong narrow pass is more than.

In addition, by dead number × 60 thousand yuan formula is calculated specified amount of compensate Fu Jin is not exact also, because the fact proves, somebody of onetime capital of major traffic thing hurts content caustic, compensate of caustic of its medical treatment, deliverance, content pays wait for compensate of charge outclass death to pay, accordingly the compensate of every case pays the specified amount often prep above 60 thousand yuan.

Hand in strong danger cost to lead 3 years inside have hard adjust

Guo Zun Jian says, to carry out insurance company not gain not the principle of deficit, business of strong to handing in danger and departure of other insurance business run insurance company of requirement of the meeting that keep watch, alone business accounting; According to the circumstance of profit and loss of insurance company, the meeting that keep watch can ask or allow insurance company to adjust premium rate. But no matter profit and loss, data of the first year cannot show an issue well and truly, look from international experience, need time 3 years to observe an analysis at least, be like consecutive profit, increase risk with respect to can corresponding ground, lower cost rate, be like consecutive loss, want to raise cost rate. But OK and affirmative is, keep the specified number more and more come rate of tall, cost is lower and lower it is big trend.
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