ddr89

Editor's note: from the harmonious development of society, the guarantee cars or from the car industry to promote the improvement of the system, car insurance and norms are of great significance. And in recent years, automobile sales growth and increase species, compared to the speed of China's automobile industry development speed appears some slow. Therefore, the experience is very developed car market is worth using for reference. Insurance portfolio world champion of American automobile insurance system, in many ways, the rate of products is more scientific and reasonable calculation and humanization. Not long ago, our special industry experts on American automobile insurance to write the article. During the life, in commenting on the specific consumer and from dealing with the traffic accident, the case thoroughly understand American car insurance, and our car insurance situation were analyzed and expectations for China's automobile insurance system to provide the reference.
In America the handling of traffic accidents, the author found that during the American automobile insurance company with a police car, the relationship between China and is very different. Hence, further visited the local insurance company and several policy-holder, detailed understanding of American car insurance. Facing the world's largest automobile insurance market, understand their car insurance institutional improvement process, and study its insurance claims, services, etc, for the good of society in China is entered the car when a beneficial.
The world's largest automobile insurance market
According to relevant information, the world's first automobile insurance in 1896 in Britain was born. Two years later, the car insurance, calculate, U.S. auto insurance industry has 110 years of history. Although it is not the earliest country executes automobile insurance, but it is the world's largest, most complete car insurance market.
Americans without insurance, the insurance so very developed. Insurance is the first ShiSanDa pillar industry, national defense, automobile, finance, real estate industry, for these industries to escort.
American automobile insurance, relying on the rapid development of the world's largest automobile is industrial and consumer market, but also by car government compulsory automobile insurance laws and regulations. As we have learned, in the United States more than 740 insurance company, insurance companies engaged in automobile 260. Data shows that the 2000 U.S. auto reached 2.2 million cars, and functions of national automobile insurance premium income amounted to $13.6 billion, accounting for American property insurance premium income of 45.12%. American automobile insurance business always rank the first.

Perfect car insurance law and regulations
In 1919, the Massachusetts pioneered in the guaranty law stipulated compensation ability, car all registration, must provide the insurance policy or bonds as a vehicle accident compensation ability of guarantee. In 1925, the state and promulgated the compulsory insurance law "regulation, the car owners are all vehicles state must buy the car, and liability insurance car registered as a prerequisite. Promulgated by the two laws, is in order to guarantee the traffic accident victims can get the timely economic compensation.
Thereafter, other states also follow the Massachusetts, successively promulgated and implemented this law. Now, American 50 states are already the legal provisions, owning a car and drive cars must buy the car, namely, the danger will be harshly punished illegal.
America is a United States ", "all owns independent judicial power. Therefore, the state laws and regulations involving automobile insurance from danger set to collect, difference of insurance cost. For example, New York and other regions, street car traffic accidents, people, in order to ensure smooth traffic accident victims can get compensation, the state law enforcement regulations ", but have no fault of insurance of insurance company shall pay party his body damage loss and property loss, "other states are not the regulation.

Quick, thoughtful automobile insurance business
In the United States for auto insurance is very convenient. By telephone or information network, can quickly handle insurance, add or surrender formalities.
When the owner insured for the first choice, insurance companies and insurance coverage worry, each insurance company website owners to provide detailed for consulting services. The famous American coming into GEICO insurance companies have a popular automobile insurance slogan: "15 minutes for you to save 15 insurance fee!" Time is spent 15 minutes to read it will lead to the owners of the web, buy insurance for car, save the right of insurance costs 15%. Selected according to insurance plan, online order program, can input information related to the premium payment immediately that amount. This amount approved by owners, the website will be run after all formalities, and from online issue of the nationalities (formal owner policy policy then send da), the premium from the owners to provide automatic transfer in the bank credit card account.
More than one month prior to maturity, insurance, the insurance company will actively, and inform the payment.the remind the next issue of insurance amount. Add or surrender completely determine by themselves, by phone or email confirmation.