Current Situation And Cause Analysis Of The Protection Level Provided By Main Commercial Motor Vehicle Insurance

Insurance has the function of transferring risks,which can fully transfer the risks of motor vehicle consumers and provide consumers with sufficient risk protection.With China's reform and opening up and rapid economic development,China's motor vehicle ownership has increased rapidly,and the huge number of motor vehicles has also led to frequent traffic accidents,which has caused huge economic losses to the society.In recent years,with the continuous reform of China's auto insurance rate,motor vehicle commercial insurance has played a more important role in providing insurance protection for the public.China's motor vehicle commercial insurance has undergone several reforms since 2003.At present,China's motor vehicle commercial insurance follows the model clause of 2014.The four main risks of motor vehicle commercial insurance specified in this clause: vehicle loss The four types of insurance,third party liability insurance,onboard personnel liability insurance and full vehicle theft insurance can transfer most of the loss risk and liability risk for motor vehicle insured.However,while motor vehicle commercial insurance assumes more security functions,it is also common for some motor vehicle insureds to suffer large losses of their own property due to uninsured commercial insurance for motor vehicles after a traffic accident.This also shows that while the entire auto insurance market is developing rapidly,there are also many problems in which the insured loses insurance protection or the level of protection is insufficient due to uninsured or insufficient insurance for motor vehicle commercial insurance.Therefore,this paper analyzes the status quo of the four main insurances that occupy most of the premium income of motor vehicle commercial insurance,and proves whether there is insufficient guarantee level and puts forward corresponding suggestions,so as to improve the people's insurance for motor vehicles.The overall level of protection is a little bit weak.Firstly,by referring to the research on social security,old-age security and medical security in terms of security level,this paper sorts out the definition and measurement method of motor vehicle commercial insurance for the level of protection,and then calculates the situation that the four main risks are insufficient..Secondly,through the descriptive statistical analysis of relevant data and the in-depth interviews with relevant staff and consumers of insurance companies,it is analyzed that the motor vehicle policyholders' lack of protection level in the main insurance of motor vehicle commercial insurance is mainly controlled by the risk control and sales of insurance companies.The four aspects of guidance,policyholders' insurance policy,national economic and social development,and national auto insurance policy.Finally,through the conclusions of the four main insurances in terms of insufficient protection level,the paper raises the awareness of consumer risk,the insurance company should actively develop new insurance products and strengthen the training of employees,and improve the auto insurance clauses of the regulatory agencies to improve the commercial insurance of motor vehicles.The recommendation of the main insurance level.