Body paint separate injury insurance (hereinafter referred to as “scratch risk”), only in the auto insurance coverage only after the insured as an additional risk. Recently, the United States and other places most of the online insurance company after another to stop selling scratch insurance, scratches insurance and therefore become a hot topic.
Why do these insurance companies to stop selling scratch insurance? The insurance will really be to cancel?
Scratch risk “congenitally deficient” cheap auto insurance
Experts said that the scratches risks “congenitally deficient.” Scratch insurance is an additional risk Jusun Xian to ensure responsibility is the “other malicious acts insurance, vehicle body caused by man-made scratches.” However, during operation in the insurance payment, due to scratches insurance has a “payment-free on-site” and “do not scratch the reasons given” two features, a self-played the “car Kurou Ji” often staged, that is, car owners scratch , find insurance claim. Scratch risk of high “moral hazard” has always been a headache for a major challenge. Department of Insurance Insurance Hepei a manager said that some owners want to give the new paint on old cars, so locked in, “without naming the scratch scratch insurance reasons,” the loopholes in several hundred dollars a year into their own designated car cheat on a thousand dollars, paid, scratches into a number of insurance companies risk losing money trading.
Scratch false insurance claims for more than
Against “moral hazard risk scratches Japanese paid a high rate” and “congenitally deficient”, in order to scratch minimize the risk of accident insurance, insurance companies, general insurance underwriting and claims of the Rules to “refresh” so that insurance and claims procedures more detailed and have higher demands. For example, some insurance claims, require the owner I reported that loss, the insurance company inspection. Rather than in the past, an auto repair shop workers and agents from all the payment procedures. This is to some extent, a decrease of scratches auto repair shop insurance fraud claims.
In order to prevent the owner, “a claim scratch on many occasions,” the claim of malicious behavior, a number of low-cost insurance companies require the insurer inquisition, the first polishing repair, and then to be paid. For the year the owners of several scratches Chuxian insurance, insurance companies, with the increase in premium or deduction of concessions and other measures to be bound by. In addition, the insured risk scratches, the vehicle age and vehicle had also been restricted, for example, within 5 years of age can be insured, and the amount of compensation cap of 2,000 yuan; Mercedes-Benz, BMW and other compensation limit for the maximum 5,000 yuan.
Cancel scratches unwise to risk a matter of fact
Insurance Association of a responsible person said, scratches car insurance is indeed a serious loss insurance insurance.
From the insurance market, the owners purchased the enthusiasm of a very high risk scratches, especially those who are many vehicles parked in the open, the owners of large chance of scratches appear. Owners clearly understand that risk can be insured to transfer the risk of scratches, for example, spend about 600 yuan premium, sum insured is 5000 yuan, if the car several times by others maliciously scratched, you can reduce losses. In addition, the new car or a luxury car appeared scratches, higher maintenance costs, both car owners are more willing to buy insurance scratches.
Some experts say the face of the huge market demand, insurance companies should be based on their own conditions, relying on standard operation and adjustment of rates to be improved and controlled to remove scratches insurance is Yinyefeisi move.
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