Look at what the brick home said?! The car owners are looking at the speed.
Hao Yansu, President of the Institute of insurance of Central University of Finance and Economics, said that the situation of obtaining claims for vehicles with different losses is different, and it is not simple to use "high insurance and low compensation" to give the existing terms. The key problem is that the current vehicle insurance quotation system needs to be improved as soon as possible.
Wang Xujin, director of the Department of economics at the economics school of Beijing Technology and Business University, said, "an old car is insured by a new car and is paid for the purchase price of a new car. This is just a fraud." He pointed out that, on the determination of the amount of insurance, the car loss insurance provides 3 options for the customers, including the purchase price of the new car, the actual value insurance, and the negotiation and determination in the purchase price of the new car. At present, the main problem is not the terms, but the insurance business is not standardized.
professor Tuo Guozhu, a professor of finance at Capital University of Economics and Business, believes that "high insurance and low compensation" can not be simply solved: new cars should pay more premium, and the old car should pay less. Because with the increase of vehicle age, the risk will also increase, and the rate will naturally increase.
the insurance company also calculated the risk according to the new car price and the old car's risk coefficient, but the premium difference was not large.
hear the expert say, what do you have? Fill in the water and discuss it.