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The following article was published in our article directory on March 28, 2011.
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CCTV aeration according to new car overlord clauses invitation by the depreciation price claim

Article Category: Advice

Author Name: Amanda xzh

Sources: the Beijing morning paper 2011 01:18 on March 28, two sentences (for me) copy link by medium sized print medium according to new car price insurance companies charge corresponding insurance premium, but claims but according to car depreciation price after compensation. This his no-trade clause let insurance company "around two advantage", but let owner ate grievances. Ningbo container transportation association, they found WangWeiGuo length of more than 8,000 car association of more than eight years made more than one billion premium. Yesterday, CCTV weekly quality report this phenomenon of exposure.

"Half the premium white made"

Beijing owner Mr. Gao 2003 bought a car, 2010, his car caustic danger insurance amount was designated as 19 million yuan, i.e. the car if you are most crashed his 19 million can obtain compensate multiple.

But CCTV reporter poring over the insurance companies to find the contract terms, state compensation processing purchases valence to cast by new car motor vehicle happen all the CheSun indemnity shall not exceed the blind, the actual value of the vehicles. Vehicles according to the actual value of the depreciation 0.6% per month new car to purchase value calculation. Produce partial loss, press computation of actual repair expenses shall not exceed compensation, but also at the time of the accident, the actual value of the vehicles.

Owner, "said ChuLiang entrusted agent say I covered is 19 million, but if the car loss occurs, the insurance company only compensate for my old car of value, but also more than 10 million dollars. Is this nine million dollars out of corresponding insurance cost is white made."

Not only has the same encounter the Mr. Gao of Beijing. Ningbo of zhejiang weekly dinghai in 2001 in China in nine consecutive the people's insurance (property) company limited by shares, including ningbo city haishu district branch head part is cast by new bike 88920 yuan protect. In 2009, the car CheSun accident happened. Insurance company said part of the depreciation can compensate headlights 20896.20 yuan. Weeks dinghai think obviously don't reasonable, so Sue to the court. The court has sentenced weeks dinghai losing.

Specified in the judgment of the People's Republic of China, the insurance law "regulation: insurance amount must not exceed insurance value, disable partly more than the insured value. The case involves the CheSun clauses, clear this insurance contract is uncertain value insurance contract. So the insurance amount should press insurance accident happens to determine the actual value of insurance mark, the original cast by new car purchase valence to decide when the insurance amount more than the actual value part shall be null and void. Weeks 88920 yuan according to the car in dinghai cast protect the new prices, when the insurance which really effective part is 20896.2 yuan. So more than 20896.2 yuan part of the 68023.8 yuan involves the insurance amount is invalid.

Weeks of lawyer thinks, in dinghai insurance company let owner threw beyond the valid range of insurance, once be or get out of danger said beyond the insured vehicle actual value, this alleged fraud is invalid.

Weeks dinghai is ningbo container transportation association member, this association WangWeiGuo said, according to the decision of the court to density, a year a car to pay insurance cost 2000 multivariate, association were more than 8,000 car, 8 years much made more than one billion.

"Hi-fi low compensate" is the unspoken rules

CCTV reporter for the operation of vehicle insurance business of dozens of insurance companies, these investigation found that old car in the implementation of the insurance companies are approved by car value of insurance amount, but after an accident but press in terms of actual value claims vehicles.

So neat and tidy behavior is who unified? CCTV reporter login the circ's official website, see the circ rights to the basic clauses of insurance documents. After the approval file containing the basic clauses samples, these basic terms with each insurance company the principle of the format contract terms identical.

Insurance law experts say "unfair"

Foreign economic and trade university professor t. insurance center who participated in 2002 and 2009 the PRC insurance law changes. T. to CCTV reporter said. "the insurance company in accordance with the value of the first do not exist, then charge premium said not to compensate, cannot account for benefits, behind the front left insurant, the downside is unfair."

At present our country motor vehicle quantities as high as 199 million cars, yet most insurance companies are high in the execution of the terms of low to compensate. This also means that the vast majority of owners, threw caustic danger may be forced to accept the alleged fraud his no-trade clause.

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