我国新能源汽车保险的法律检视与发展对策

Legal Review and Development Strategy of New Energy Vehicle Insurance in China

随着绿色经济发展理念的深入人心和国家政策的扶持,新能源汽车逐渐受到消费者的广泛青睐,成为汽车行业的新焦点。然而,针对新能源汽车的相关保险产品却出现了严重的缺位与失配。套用传统燃油汽车投保体系不但未能涵盖新能源汽车的自有风险,而且在保险实践中引发了保险利益认定争议、超额保险、高保低赔、保险诈骗等系列法律问题。未来通过制定新能源汽车保险专属条款、给予投保人保险财政补贴以及采取区块链法治新模式等手段,将有助于厘清争议、化解纠纷,进而优化新能源车险市场、促进新能源汽车产业的健康发展。

With the concept of green economic development deeply rooted in the hearts of the people and national policy support,new energy vehicles have gradually been widely favored by consumers and become the new focus of the automotive industry. However, related insurance products for new energy vehicles have experienced serious vacancies and mismatches. Applying the traditional fuel vehicle insurance system not only fails to cover the inherent risks of new energy vehicles, but also triggers a series of legal issues such as disputes over insurance benefits, over insurance, high insurance and low compensation, insurance fraud, etc. In the future, the formulation of exclusive provisions for new energy automobile insurance, financial subsidies for insurance policyholders, and the adoption of a new model of rule of law on the blockchain, will help clarify disputes, resolve disputes, optimize the new energy auto insurance market, and promote the healthy development of the new energy automobile industry.