Research On The Problem Of Traffic Accident Insurance Claims For Net Passengers

On July 27,2016,the ministry of transport in our country,the ministry of industry and information technology,the ministry of public security,ministry of commerce and state administration for industry and commerce,quality supervision,inspection and quarantine,national office seven ministries and commissions such as net letter in the form of 60 2016 decree issued "interim measures for Internet booking taxi service management".The way to a certain extent,about car standardizes the net daily operations,for web about the damage to the car accident passenger provides preliminary rights,the legal basis of claims.But,our country network about complex structure,type,nature,risk is different,when insurance accident happens,the insurance company often rejected claims,net about car side or denial net about car is engaged in the operations,either from recognize unlucky.Net about car insurance difficulties so that the net about car drivers and passengers are at a disadvantage,this problem presses for solution.Articles combining traditional car insurance and network about the car,on the net about car side solely responsible for the accident or much of the blame for the major premise,about cars in the nation's largest network platform "drops travel" as an example,in detail on the net about damage to the passenger car insurance claims issues to explore.The first part of this article is the introduction,the second part introduces China's motor vehicle insurance,from the macro point of view of China's motor vehicle insurance conducted a brief analysis,enumerated the main insurance of motor vehicle insurance;also on the network car insurance and traditional cruise taxi The third part mainly introduces the status quo of the insurance contract insurance in our country.At the same time,it elaborates the main problems existing in the insurance practice of the network car insurance,including the non-standard one-The direct claim of the injured passenger has no clear legal basis and the road traffic accident social assistance fund is not clear.The fourth part mainly summarizes the advanced experience which can be used for reference in our country.The fifth part is to make suggestions on the problems pointed out in this paper,including the following:The driver's license is one of the conditions for the application of the driver's license for the network,and gives the direct request for damage to the passenger,and establishes a cooperative relationship with the road traffic accident social assistance fund,as well as other practical solutions,including:For the high frequency of passengers to provide short-term transport accident insurance,network bus platform for real-name management of passengers.