车辆损失保险“高保低赔”的困境与解决方法探析

Problems of Limited Insurance Claims of Vehicle Damage Insurance and Proposed Solutions

车辆损失保险的"高保低赔"一直是投保人与保险人之间的争议焦点之一。"高保低赔"存在违反保险利益原则、混淆定值保险与不定值保险等法律问题,可以从法律和技术两个角度加以解决。逐步建立以行业示范条款为主的费率形成机制和保险代理人的问责制度,以达到指导保险公司车险定价、引导消费者合理地保护自身权益的目的。

Limited insurance claims not corresponding to the relatively high insurance rates is a long-lasting dispute between parties of an insurance contract in terms of the vehicle damage insurance. It obeys the insurable interest doctrine and leads to confusion between valued and unvalued insurance, which are its two main legal problems. Both legal and technical methods are expected to be applied to solve this problem, which means establishing a ratemaking system based on the related model clause made by Insurance Association of China, as well as an accountability system of insurance agents. The aim is to make instructions both on the ratemaking of insurance companies and on the rights-protecting of customers.