Research On The Insurance Products Of Car-sharing

In recent years,with the wide application of big data and mobile Internet,sharing travel gradually into people's perspective,the innovation of people's consumption travel mode,in the network about the prevalence of carpooling,car sharing with shared bicycle become unpopular new way to travel and investment outlet.Car sharing understanding in a broad sense can be divided into network about cars,taxis,ride,traditional car rental,car rental and car rental points P2 P.Nevertheless,in the eyes of people,shared cars are mainly P2 P cars and time sharing rental cars,which can be self-driving through simple cell phone scanning and registration.That is to say,the narrow sense of shared cars is classified according to the nature of users' use.Traditional rental cars,P2 P rental cars and time sharing rental cars are rental cars.P2 P car rentals and time-sharing vehicles are essentially the upgrade and supplement of the traditional rental car model with the application of large data and Internet of things.The shared car involves the driving trip of the consumer,and in its operation mode,the insurance link is an important part.But the corresponding rental car sharing insurance is still quite backward,the supervision is still lacking,make it become important in the healthy and sustainable development in the security risk of car sharing.This paper will take the car sharing in a narrow sense,especially when the lease analysis of innovative ways of travel insurance as the main problem of the current problems,and will explore the current sharing risk driving slow down there,sharing of insurance automobile products currently use the advantages and disadvantages of identification for the future sharing accurate responsibility cars in the areas of responsibility for the accident,car sharing enterprises and insurance companies actively cooperate to develop innovative car sharing insurance products to provide recommendations,so as to promote the sharing of the automotive industry in our country healthy and sustainable development.