高速公路企业车险投保方案的设计

Design of Auto Insurance Scheme for Expressway Enterprises

机动车辆保险改革新政自2020年9月19日开始实施,此次改革的力度相当大,机动车辆保险中交强险、车辆损失险、第三者责任险,这几个主要险种的赔偿限额或保障范围都发生了变化。文章在车险改革新政背景下,对高速公路企业的车辆运营进行了风险因素分析,提出了企业用车安全管理要求,并结合新政内容对机动车辆保险投保方案进行重新设计,以便进一步降低事故发生概率,提升企业工作绩效,最大程度保障车辆和人员的经济利益。

The new policy of motor vehicle insurance reform has been implemented since september 19, 2020. The reform has made considerable efforts. In motor vehicle insurance, the compensation limit or protection scope of several main types of insurance have changed, such as compulsory traffic accident liability insurance, own damage and third party liability insurance. Under the background of the new policy of vehicle insurance reform, this paper analyzes the risk factors of vehicle operation of expressway enterprises, puts forward the requirements of enterprise vehicle safety management,and redesigns the motor vehicle insurance scheme in combination with the content of the new policy,so as to further reduce the probability of accidents, improve the work performance of enterprises, and protect the economic interests of vehicles and personnel to the greatest extent.