Thanks for your attention, this is our 207th original article.
Our original articles focus on three areas:The business logic of auto insurance accident car, service insurance and car owner prepayment, stock trend。In this article, we speak for car owners.
Last Friday, Wang Shujuan, a teacher from Xinhua News Agency, gave me a piece of ""Just don't let you do it, don't let you buy"!This group in Shanghai is frequently rejected!Multiple companies: because they can't afford to lose. message. The news reflects the problem of many new energy old car owners being "denied" by the insurance company for car insurance renewal. Coincidentally, last week, I also discussed with a friend from other places the topic of a "motor vehicle safety co-ordination policy" that looks like an insurance policy, and the "co-ordination insurance" that I bought with money cannot be paid.
When discussing the topic of how to compose a draft, the assistant said"Why is it so hard to be a car owner?”Yes, as an ordinary car owner, they have not cheated on insurance or compensation, and some have not even had a few accidents in the past few years, how can they buy a guarantee for the car, so difficult?
Is the average consumer at fault?The risk of not being insured and not being compensated should not make every ordinary car owner payIf you can't afford it, you won't be insured, and you will blindly shout "co-ordination", the supply side of the insurance industry, it is recommended to think about it!
Let's share it together.
If you can't afford it, you won't be insured
The auto insurance industry is too "happy".
Quoting the interview information of the "News Square", the following two plots are generally told:
Owner A: I bought a WM pure electric car 4 years ago, and until last year, I have been insured by X Property Insurance. However, when I was going to renew my insurance this year, I was rejected by X Property Insurance for no reason. "It has been guaranteed for three years now, and in the fourth year, he said that he could not insure, but the reason why he could not insure, he couldn't tell us, so he told us that he couldn't insure. "Feedback from X property insurance personnel: Because our company does not allow this model to be made, there are restrictions on underwriting. It's just that you don't want to do it, you don't want to buy it. The refusal of insurance is not for WM models, but for all new energy vehicle insurance businesses. "This year, there are indeed restrictions on this car, not for Weimar, not for any brand, for all new energy, the loss is too serious, so now there are restrictions in this regard. ”
Owner B: 5 years ago, before buying a Chery pure electric car, they were insured by Y property insurance, but this year, the other party said that if they didn't buy seat insurance, they couldn't insure. In the past five years, his car has only been insured twice, and he does not approve of raising the bar on the grounds that the loss ratio is too high. "I asked a few insurance companies, and told me that insurance companies are prohibited from renewing insurance for five years because of their heavy losses (new energy vehicles), unless you have bought it in this insurance company before to renew it, he can't help it, but you must add additional insurance. ”
On the Internet, new energy vehicle owners have no choice but to disclose that they have been "blacked" by insurance companies, and cases abound.
Because of the high insurance rate and high compensation of new energy vehicles, the insurance company is "arrogant": either it is not insured, or it is insured according to my conditions.
The assistant said: The insurance company's business is really good.
Our team, all from the automobile team, is accustomed to seeing vehicle manufacturers and dealers lose money every day, and I really can't understand why the insurance industry is so superior: other industries can lose money, but the insurance company can say domineeringly: I can't lose.
unprofessional", of course, we also give enough awe to the insurance industry: because of business risks, because of the solvency of insured customers, and because of regulatory ......
However, this does not seem to constitute a "yamen-style" refusal of insurance by the insurance company. This happens to insurance companies repeatedly.
In November 2021, CCTV's "Voice of China" continued to report on the refusal of a number of insurance companies in Shijiazhuang City, Hebei Province to insure commercial insurance for taxis. After the report was broadcast, taxi owners in Tangshan, Hebei, Chuzhou, Anhui, Anshan, Liaoning, Changzhi, Shanxi, Xianyang, Shaanxi and other places reported through CCTV News that local insurance companies collectively refused to insure taxi commercial insurance, and compulsory traffic insurance was also suspected of monopoly, sales and other issues. Ms. Hou, the owner of the semi-trailer tractor in Hengshui, Hebei Province, also told reporters that due to the inability to normally insure the local "compulsory traffic insurance" and commercial insurance, her car has been out of service for more than a month, and the loan to buy a car must be repaid on a monthly basis, "I paid tens of thousands of yuan in premiums last year, and there was no accident, no insurance and no large compensation." Just because the insurance has not been given, this car has been out of service for more than a month. ”
After the incident, the regulatory authorities issued the "Notice on Effectively Doing a Good Job in the Insurance Underwriting of Commercial Vehicles", requiring all property insurance companies to actively provide insurance services for commercial vehicles, and stated that they would comprehensively investigate and rectify the insurance underwriting restrictions on commercial vehicles. Large property and casualty insurance companies should play a leading role in actively underwriting commercial insurance for commercial vehicles and promoting commercial insurance for commercial vehicles. Wuxi Banking and Insurance Regulatory Bureau was fined 100,000 yuan for refusing to underwrite compulsory insurance for motor vehicle traffic accident liability for the first marketing service department of Huaan Property Insurance Co., Ltd.
In August 2022, Xinhua News Agency reported on the insurance company's refusal to insure the insurance ...... delay, the first sales, and the motorcycle owners tossing back and forth unspeakably miserable*The Ninth Supervision Group of the Ninth General Inspection found that many motorcycle owners in Henan had a strong reaction to the difficulty of insuring compulsory traffic insurance after combing the clues collected by the "Internet Supervision" platform. In the article, interviews with insurance insiders said that the low premium and high insurance rate of motorcycles have brought greater pressure to the operation of insurance institutions, and it has become a business of "doing more than one single and paying more for one order". In addition, the low profit and small assessment contribution of high-compensation vehicles in handling compulsory traffic insurance business also affect the enthusiasm of front-line insurance personnel.
The article mentions that insurance companies have three tricks: "refuse, delay, and ** sale".
If you don't make money, you won't be insured, and if you can't afford it, you won't let you do it, and you won't be allowed to buy, from the perspective of the owner, in addition to helplessly saying "it's too domineering, there's no place to reason", it is also easy to be affected by other choices. For example, "co-ordination".
Of course, insurance companies also have their own "difficulties", that is, it is not profitable to underwrite car insurance, and it is even more profitable to underwrite new energy.
In this regard, in the article "New Energy After-sales and Insurance: Several Joys and Worries - Sharing Record of the 2023 New Energy Vehicle After-sales Service Summit", the following key information is mentioned:
According to last year's data, for every 100 yuan of car insurance premiums collected by insurance companies, they will probably pay more than 28 yuan in comprehensive expenses and nearly 69 yuan in compensation costs, how much money is left?Less than 3 bucks!
The entire auto insurance industry made a profit of 21.8 billion yuan last year, while the TOP3 made a profit of 22.2 billion yuan. What does that mean exactly?Except for the top 3, all insurance companies worked hard in the auto insurance business for a year, and the underwriting profit lost 300 million.
Compared with 2019, the average car premium in 2022 decreased by 1805%, and the average compensation per case decreased by 328%。In the first 10 months of this year, the average vehicle premium continued to show a downward trend year-on-yearWritten premiums increased by 59%, and the amount of claims settled increased by 1277%。
Regarding new energy vehicle insurance, for insurance companies, it is not easy to say that it is loved.
The choice of insurance company is as mentioned at the beginning of this article:New car owners increase premiums, and old car owners pick customers。Of course, there are some recognized reasons for the high cost of claims settlement in the new energy vehicle itself: lack of data, high zero-to-whole ratio, difficulty in battery repair and damage assessment, and difficulty in maintenance and substitution of integrated body ......
But all the problems are "paid" by the car owner, which is too simple and crude!
Not every industry is qualified to pick customers to solve problems because of losses. For example, new energy car manufacturers, in the face of bad **, can only bleed with tears and clear the sale. Do they dare to tell their customers that they will sell you at a loss, so they won't do it?
The insurance industry is shouting and fighting
"Co-ordination is not insurance".
On the one hand, the customer was pushed to the overall plan
In the past two years, what is the hotly stirred vehicle pooling insurance?Some car owners will be required to join the "vehicle co-ordination insurance" and pay a certain co-ordination fee in addition to paying a certain fee when going through the attachment procedures with the transportation company. Therefore, some car owners believe that "vehicle pooling insurance" is the commercial insurance premium of the vehicle after joining the "vehicle pooling insurance", and it is more cost-effective.
On the topic of vehicle co-ordination, more news is often all kinds of "risk warning, co-ordination is not insurance" news.
Those car owners who were denied insurance, or those who had ridiculously high premiums, chose to buy a "motor vehicle co-ordination order" under the "guidance" of the business staff and became a "co-ordinator member".
However, it is very strange that for the insurance industry, which is extremely sensitive to "illegally engaging in insurance business", it is rarely said that "co-ordination is illegal", even if the vehicle co-ordination agency almost all copies the policy of commercial auto insurance, and the liability of vehicle losses, third-party liability, and vehicle personnel are ......
In this regard, the insurance industry can often only give a "risk warning" in front of its eyes
The "Safety Co-ordination Company" is not a formal insurance institution and is not subject to professional industry supervision.
The "Vehicle Pooling Bill" is not a formal insurance contract and is not covered by the Insurance Law.
"Security Coordination Service" is not a formal insurance, and its payouts and follow-up services may not be guaranteed.
Vehicle co-ordination is not insurance, no need to say every day in the insurance industry, people's own co-ordination service terms are marked by themselves:The provisions of the Insurance Law and relevant judicial interpretations shall not apply.
The problem is that the "regular and guaranteed" insurance company refuses and delays three tricks at every turn, what can the customer do?
Last week, ** Discount Coefficient" published an article entitled "Problems in the Development of the Insurance Industry Promote the Spread of Vehicle Co-ordination", the article mentioned that the current auto insurance co-ordination business is developing rapidly, and some regions are not only limited to high-risk models, but also in the field of private cars. Why?In the view of my friend, the author Brother Ishikawa, from the perspective of the industry, there are some problems in the development of the insurance industry that promote the spread of overall planning and increase the risk exposure of car owners. The article analyzes from three perspectives: the auto insurance industry has not formed a situation of healthy competition;Many insurance professionals are involved in the overall planning of vehicle safetySome insurance companies use non-car products to underwrite motor insurance products. As mentioned in the title of the article, the spread of vehicle co-ordination also has problems in the development of the insurance industry.
Instead of blindly "risk warning", it is better to think about the problem of the insurance supply side itself.
Blindly saying that Ghost Li is not Li Kui
Think about how to solve customer problems
There are risks associated with co-ordination, such as surrender risk, claim risk, dispute resolution risk, inability to enjoy motor vehicle insurance discounts, and so on. But co-ordination has always existed, and it has intensified. Regarding vehicle co-ordination, especially the historical longitude and latitude.
On April 23, 2010, the Ministry of Transport, the Ministry of Public Security, and the State Administration of Supervision issued the Notice on Further Strengthening and Improving Road Passenger Transport Safety, pointing out that "all localities are encouraged to actively explore the use of mutual assistance in the safety co-ordination industry to improve the safety work and anti-risk ability of enterprises". On July 22, 2012, the "Opinions on Strengthening Road Traffic Safety" was issued, pointing out that "transport enterprises are encouraged to adopt traffic safety co-ordination and other forms to strengthen mutual assistance in the industry and improve their ability to resist risks".
Note that the focus is on "Intra-Company Vehicles".
Specifically, traffic safety co-ordination refers to the transportation enterprises that charge the corresponding traffic safety co-ordination fees for operating vehicles in accordance with the standards and provide them with safety co-ordination services. Vehicles that pay the traffic safety pooling fee will receive corresponding economic compensation when they encounter losses caused by traffic accidents, natural disasters, accidental injuries to passengers, etc., and the economic compensation will be paid from the traffic safety pooling fee. This becomes the basis for the overall company to conduct business.
Coincidentally, we also found a copy of the content of "Tianjin Road Traffic Accident Social Assistance**". It refers to the social special project that is raised in accordance with the law to pay the funeral expenses and part or all of the rescue expenses of the victim in the motor vehicle road traffic accident that occurs in the administrative area of Tianjin.
Simply holding up the "Insurance Law" can only say that the overall planning of motor vehicle safety is not the same as insurance. But people say, "yes, I'm not insured!"Moreover, in the court's precedents on traffic accident liability disputes, it is not possible to uniformly judge the overall contract as an "illegal contract" and "invalid contract" as expected by the insurance industry.
Before discussing, let's take a look at the following judgments or rulings:
Although the Motor Vehicle Safety Coordination Form involved in the case has the nature of an insurance contract, XX Company has carried out this business without the approval of the relevant competent authorities, so the jurisdiction of this case should be determined in accordance with the general contract dispute - (2023) Supreme Law Civil Jurisdiction No. 24.
The plaintiff and the defendant signed a Traffic Safety Coordination Bill, not an insurance contract, and the defendant's business scope included traffic safety co-ordination, but did not include insurance business. Therefore, the "Traffic Safety Coordination Sheet" signed by the two parties does not meet the statutory insurance attributes, and should be recognized as an ordinary contractual relationship - (2021) Su 0791 Min Chu No. 2015.
During the trial, Company B also clearly expressed its willingness to bear the liability for compensation, which this court did not object, but because the plaintiff voluntarily withdrew the lawsuit against Company B, this court did not deal with the liability agreed between Sun Moumou and Company A and Company B regarding the overall plan--(2022) Lu 0883 Min Chu No. 82.
XX Company is not an authorized insurance business enterprise, is not an insurance company established in accordance with the law, has not obtained an insurance business license in accordance with the law, and the motor vehicle safety co-ordination it sells is not insurance. The relationship between the two parties is a contractual relationship rather than an insurance contract relationship--(2023) Yun 03 Min Zhong No. 3372.
The co-ordination contract signed by the plaintiff and the defendant is the true expression of the intention of both parties, and the contract is established in accordance with the law, is legal and valid, and is binding on both parties--(2023) Shaanxi 05 Min Zhong No. 2185.
The legal relationship between the appellant and the outsider XX Automobile Service Company should be a general contractual relationship, and it is not the same legal relationship as this case, and the Appellant may separately claim rights in respect of the contractual relationship between the Appellant and XX Automobile Service Company--(2023) Liao 02 Min Zhong No. 3525.
Li Aijun can claim another right from the company in accordance with the motor vehicle safety co-ordination contract signed with XX Company - (2023) Jing 01 Min Shen No. 9.
On the "China Judgments Network", with vehicles and safety co-ordination as keywords, 5,927 documents can be searched at present. The proportion of cases in which the co-ordination contract is not invalid is very small, and most of the cases that rule that the vehicle co-ordination contract liability is usually chosen as follows:
First of all, it is not an insurance contract and does not apply to the insurance payment procedure for traffic accident liability. The Motor Vehicle Safety Mutual Assistance Co-ordination is not an insurance contract, and the provisions of the Insurance Law cannot be applied, and the existence of such a contract cannot replace the defendant's full liability for compensation caused by traffic accidents. There is no objection to this, and the coordinator himself admits that it is not, and "the provisions of the Insurance Law and relevant judicial interpretations do not apply".
Secondly, the co-ordination contract is a general contractual relationship. If the co-ordinator is willing to bear the compensation, the responsible party and the co-ordinator shall be jointly liable for the compensation. Judgments tend to "disagree" on this.
Finally, if the co-ordinating company does not appear in court or is unwilling to bear the compensation, the responsible person shall bear the remaining part of the liability in addition to the compensation of the compulsory traffic insurance. For the issue of co-ordination of the contract, it is necessary for both parties to the contract to claim their rights separately and "not deal with it" in the traffic accident liability dispute. The actual nature of safety co-ordination is the agreement signed between the two parties that the co-ordination company shall compensate for the loss outside the compulsory traffic insurance after the motor vehicle causes damage to a third party......After the accident occurs, Article 1213 of the Civil Code does not apply, and the tortfeasor shall compensate for the losses outside the compulsory traffic insurance, and the tortfeasor may, after compensation, request the co-ordinator to compensate the tortfeasor for the losses caused by the co-ordination contract.
The above is generally understandable, why the insurance industry can only "prompt the overall risk"!But that didn't solve the problem of car owners. As every car owner, the appeal is actually very simple, one is that their risk is guaranteed, and the other is that the cost can be relatively cheap.
As Ishikawa, the manager of the discount coefficient, mentioned, facing up to the problem is the premise of solving the problem.
On the one hand, it is difficult for customers to insure. The owner will be lightly increased in premiums, ** additional insurance, or simply "denied insurance". The insurance company chooses to be simple and rude, what should the customer do?
The second is the problem that there is no guarantee for the "co-ordination" of customer risk insurance. Co-ordination is risky and unreliable, but for many car owners, "desperate" or "cheap" car owners choose "co-ordination".
The use of new energy vehicles, energy conservation and emission reduction, but also save the cost of car use, benefit the country and the people, it is worth encouraging and promoting, however, recently, many new energy vehicle owners have encountered obstacles when buying car insurance from them. The owner had a demand, and the insurance company, as the "real Li Kui", rejected the customer, so he gave the co-ordinated "Li Ghost" a chance. "On the one hand, due to the high loss ratio and high amount of compensation for commercial vehicles, coupled with the higher requirements for insurance companies in the comprehensive reform of auto insurance, insurance companies have refused to underwrite compulsory traffic insurance and commercial auto insurance in many places in ChinaOn the other hand, vehicle pooling is usually a lot cheaper than commercial car insurance. In this case, the model of vehicle coordination was born. Industry insiders analyzed.
The co-ordination companies have the business scope of "traffic safety co-ordination services" and "motor vehicle safety co-ordination services", and in order to dispel customer doubts, they have also created electronic co-ordination sheets, service vehicles, personnel and other information. In addition, many car owners, especially operating car owners, face high premium costs, and many choose "co-ordination orders".
In some cases, the co-ordinating company is clearly willing to take responsibility. However, there are more cases of non-attendance, non-presentation of evidence, and even failure to provide compensation after the verdict. Behind every car owner, not only does he need to pay for the overall cost, but he also needs to bear the compensation after encountering a traffic accident liability dispute, and the third-party loss of the traffic accident is often not guaranteed because the other party is "co-ordinating".
According to the research of the China Automobile Negotiation Vehicle Professional Committee, at present, insurance institutions generally have problems such as shutting down insurance, refusal of insurance, refusal of insurance of some models, phased underwriting, price increase, and ** when underwriting commercial vehicle business. These problems are often caused by the disconnection between insurance products, risk control, and rates and the market demand for commercial vehicles, and further lead to the continuous decline in the satisfaction evaluation of insurance services by users in the commercial vehicle industry, so it is urgent to promote the reform and innovation of insurance institutions in the field of underwriting commercial vehicles.
Risk transfer and management are originally the main duties and social responsibilities of the insurance industry.
Important:
What do you think as a car owner?
Many articles on the Internet have also addressed the issue of co-ordination. For example, in the view of lawyer Gao Feng of Beijing JAVY Law Firm, China's current laws and administrative regulations do not prohibit "vehicle safety co-ordination", so the co-ordination contract between the vehicle co-ordination company and the vehicle owner is protected by law.
This is consistent with our example above. The insurance industry cannot solve it from the perspective of illegality, so it can only think about how to improve its product supply capacity and compete with the overall planning.
Talking about a lot of big truths and boring articles, at the end of the article, we switch to the perspective of the car owner.
As an ordinary car owner, how do you think about the insurance company's refusal to insure the old owner of the new energy car while embarrassingly prompting the overall risk?
The author is also an ordinary car owner, my views are as follows, no intention to criticize, only expected and **:
1) As an insurance company, it is your mission to provide professional insurance products. A merchant told his customer that the loss was too severe to trade, and that it was first of all a problem with the ability to supply the product. To put it bluntly, you are not reliable.
2) Of course, insurance companies are risk-averse, prudent, and actuarial pricing, and simply and rudely punish all customers with a certain group or brand customers who are too risky, and increase fees or refuse insurance. It is natural for high-risk customers to give higher premiums**, but is it wrong for innocent consumers to let all customers collectively "sit together" for this?To put it bluntly, you guys are not professional.
3) As an insurance company, of course, it can be co-ordinated not as insurance and as a co-ordinated risk, but who will protect the needs of customers?It's like shouting "beware of bad guys" while closing the door to "high-risk car owners" who need help. To put it bluntly, you are not responsible.
When exchanging this content with a colleague in the insurance industry, I jokingly said: It may be that the incremental dividends of the automobile market have made the insurance industry too comfortable in the past, so that the waist pole hard road directly said no to the car owner!
The renewal of new energy insurance was rejected, and the overall planning of large trucks was not compensated. The product supply side of automobile-related insurance is weak!