从美国汽车保险谈我国汽车保险改革

On auto insurance reform of China by analysis of USA

在世界各国,汽车保险都是财产保险的主要险种,受到是世界各国政府的重视。美国建立了较为完善和发达的汽车保险体系,为各国所效仿。借鉴美国的发达经验,我国的汽车保险改革刚刚起步,仍需要进一步深化。本文从费率厘定、强制保险以及销售方式等方面提出深化我国的汽车保险制度改革。

Auto insurance is the most important insurance of property insurance in many countries and it was set store by their authorities. A perfect auto insurance system is set up in USA. Using it for reference, reform in auto insurance has been performed in China. The paper suggested that we should deepen our reform in auto insurance in such respects as rates?compulsion insurance and selling styles.