From "Rolls-royce Was Hit" Incident To Analysis The Imperfect Chinese Car Insurance System

In recent years, Chinese economy has entered a stage of rapid development, Thedevelopment of economy makes Chinese affluent class continues to grow. Accordingto a survey by McKinsey found the number of Chinese wealthy families have reached3000000households. Expected by2017this figure will rise to4500000,the numberrank only second to American, Japan and Britain. Because of the specialpsychological of Chinese rich class, the car become their favor. According to thenational statistics data show: from2002to2010Chinese luxury car market has threegrowth peak, The luxury car growth was67%and75.4%in2003and2006respectively, by2010the luxury car has reached80%. Of course, Because the luxurycar running frequently on the road, thus increasing the probability of ordinary carsand luxury cars collide. Because the car value and maintenance costs are high, someeven as high as hundreds of thousands, If a traffic accident occurs, the ordinary carowner is responsible, ordinary car owner may be bankrupt, this will bring hugeburden to their life..The car accident claims of hidden problems, how to avoid thiskind of risk has become the most concern.This article is mainly divided into five parts. The first part briefly introduces thedefinition of luxury cars, and then discusses the current Chinese luxury car marketmacroscopic situation, and then analyzes China rich psychological consumption onluxury cars;the second part introduces the luxury car knocked and the method of theevent, then through three aspects to illustrate some bad effect of luxury car knocked tothe society; The third part mainly use the theory of insurance to related to analyzesome problems the luxury car knocked, mainly from insurance laws and regulations,the existing problems in the car insurance provisions, the lack of luxury car insuranceand the insurance awareness, from these four aspects to analysis problem; The fourthpart mainly introduces the Chinese Hong Kong and developed countries,such asCanada, Germany, the United States and Japan, their insurances how to deal with thecase on luxury car knocked; the last part mainly put forward some effective measuresto the case.The innovation of this article is that the theory combined with the actual case, through a typical cases of "rolls Royce" knocked, from the perspective of insurancetheory to analyze the existing insurance system is not perfect in our country, and whatwe should take measures to deal with this event, and make the insurance betterdevelopment in our country.Transportation is closely related to people life, the traffic jam is more serious inChina, due to the rapid development of economy, the number of car is increasing,therefore the probability of ordinary cars collided with luxury cars will increase.Especially the last two years of "luxury car was hit" case has attracted great attention.This brought great fear to ordinary car owners, This made them reluctant to see theluxury car.So far there is almost no comprehensively and systematically study on this issue.So this thesis is a advanced topic. This topic mainly uses the theory of insurance toanalysis and research to this question, and puts forward effective resolution strategy.After luxury car knocked, through adopt these effective measures can not only reducethe ordinary car owners of psychology and life pressure, and can let the luxury carowners to obtain the good compensation; Can also make them to be able to drivingsafely on the road, and even can make the society more stable and harmonious.