What will be implemented in 2022 is 2020Car insuranceNew policies for the fourth reform, let’s take a look at the new car insurance regulations.

For specific provisions, you can click on the "Guiding Opinions on Implementing Comprehensive Reform of Auto Insurance" (hereinafter referred to as the "Opinions") to read，The following is a brief summary of the new car insurance regulations:

1、With "protecting consumer rights and interests" as the main goal，Specific include: establishment of market-oriented terms and rate formation mechanism、Optimization of guarantee liability、Rich products and services、Additional charges are reasonable、Sound market system、Market competition is orderly、Improving operating efficiency、High-quality development of auto insurance, etc.。The price will be reduced in the short term、increased insurance、Improving quality” as a phased goal；

2. PromotionCompulsory traffic insuranceGuarantee level，Specific include: increasing the liability limit of compulsory traffic insurance，Optimize the floating coefficient of compulsory traffic insurance road traffic accident rate；

3. Expansion and optimizationBusinessmanCar insurance protection service，Specific include: Expanding the scope of commercial auto insurance coverage、Delete the exemption clauses that may easily lead to claims disputes in practice、Increase the liability limit of commercial auto insurance、Support rich commercial auto insurance products；

4、Improving the market-based formation mechanism for commercial auto insurance clauses and rates，Specific include: improving the industry’s pure risk premium calculation mechanism、Reasonably lower the surcharge rate、Gradually liberalize the floating range of independent pricing coefficients、Optimize the no-compensation preferential treatment coefficient、Scientifically set the upper limit of handling fee ratio。

5、Reform the access and management methods of auto insurance products，Specific include: releasing new unified compulsory traffic insurance products、Release of new commercial auto insurance demonstration product、The access method for commercial auto insurance demonstration products seabet loginhas been changed from the approval system to the filing system、Support small and medium-sized property insurance companies to prioritize the development of differentiated innovative products；

6、Promote supporting infrastructure reform，Specific include: comprehensive implementation of the real-name payment system for auto insurance、Actively promote the electronic policy system、Strengthen the research and application of new technologies；

7、Comprehensively strengthen and improve auto insurance supervision，Specific include: improving rate review and product correction mechanism、Improving the effectiveness of reserve supervision、Strengthen the rigid constraints of solvency supervision、Strengthen intermediary supervision、Prevent monopolistic behavior and unfair competition；

8、Clear the division of responsibilities for key tasks，Specific details include: regulatory authorities must play a coordinating and promoting role、P&C insurance companies must fulfill their responsibilities as market entities、Relevant units should provide supporting technical support；

9、Strengthen the implementation of guarantees，Specific include: strengthening organizational leadership、Timely follow-up and supervision、Do a good job in publicity and guidance。

In addition, carefully analyze this "Opinion", you canDiscoveredThe detailed rules of auto insurance reform have many changes for consumers，The specific changes include the following:

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①Adjustment of compulsory traffic insurance liability limit:

Raise the total liability limit of compulsory traffic insurance from 122,000yuanIncreased to 200,000 yuan，The death and disability compensation limit is increased from 110,000 yuan to 180,000 yuan，The medical expense compensation limit is increased from 10,000 yuan to 1.80,000 yuan，The property damage compensation limit remains at 0.20,000 yuan unchanged；

The no-liability compensation limit will be adjusted in the same proportion，The death and disability compensation limit is from 1.10,000 yuan increased to 1.80,000 yuan，The limit of medical expense compensation is increased from 1,000 yuan to 1,800 yuan，The property damage compensation limit remains unchanged at 100 yuan。

The adjustment of compulsory traffic insurance amount will play a greater role in larger accidents，If the car is responsible for Seabetthe accident，There are also casualties in this vehicle，The increased compensation limit of 70,000 can alleviate a lot of burden。

②Three risksLiability limit level adjustment:

The original optional limit range of three-party insurance is 5-5 million，Now adjusted to 10-10 million，No longer afraid of luxury cars on the road！Curious students may ask: How much does the three of 10 million cost？As understood，At present, major insurance companies have not opened such a high limit range，The highest limit is only 3 million, which costs more than 800 yuan，It is estimated that the cost of 10 million quota will be more than 1,000。

2. Commercial auto insurance insurance liability is more comprehensive

①Theft and rescueCancellation, the original owner’s reason for the claimCar damage insuranceResponsible;

②11 kinds of additional insurance liabilities are borne by the car damage insurance:

The main insurance terms of car damage insurance are based on the existing insurance liability，Increase theft of entire motor vehicles、The glass breaks alone、Spontaneous combustion、Engine wading、Not counting deductiblerate, unable to find third-party special insurance liability.

In layman terms，That’s the original car damage insurance，No compensation for scratched paint、No compensation if the glass is broken、No compensation if spontaneous combustion，The name of the car damage insurance is not mentioned at all，It’s like being an outpatient doctor，But we only look at colds but not fevers。

After the reform，This doctor not only treats colds and fevers，And sore throat、You can also watch it if you feel dizzy，Reducing everyone’s burden and trouble。The most important thing is，The "Opinions" guide the expansion of car damage insurance liability on the premise that there is basically no increase in consumer premium expenditures！

3. Reasonably reduce the surcharge rate

Generally speaking，When purchasing car insurance from an insurance company，All fees will be charged for various reasons，Although this fee is regulated，But the amount is still quite large and the supervision is not strict enough。The upper limit of surcharge rate is reduced from the original 35% to 25%，Expected loss ratio increased from 65% to 75%。

In addition to adjusting the upper limit，Strengthening supervision seabet appis also important，Some people in the industry said before the reform，Although the upper limit is 35%，But it can actually charge more than 40%。

Increase car insurance liability、Reform measures such as lowering the upper limit of surcharges，All resulted in loss of profits for insurance companies，Based on feedback from car owners，The cost of insurance for most people is indeed lower，But usually the discount given by the insurance company、Subsidy、Gifts and everything have shrunk a lot，Have consumers really saved more money after the reform?？It’s worth doing the math。