被保险人因素对强制汽车责任保险费率厘定的影响

新颁布的《道路交通安全法》规定了汽车所有人必须投保强制汽车责任保险。通过分析被保险人的性别年龄、婚姻状况、家庭成员、驾驶能力、违章肇事记录、职业、汽车行驶环境等不同因素对交通事故发生率的影响,可以看出保险公司只有充分考虑被保险人的这些相关因素,才能制定出科学的强制汽车保险费率。

The new issue of “The Law of Road Traffic Safety”requires that all owners must buy compulsory vehicle liability insurance. Insurance company can＇t settle scientific rate of premium until they have fully considered the insured relevant factors as gender, age, marital status, family members, driving skill, records of breaking law, profession, driving environment and etc..