射阳人注意：9月19日改革！车险保费、赔付，都有大变化……
<p><br/></p><p></p><section powered-by="xiumi.us" style="white-space: normal;font-size: 16px;max-width: 100%;box-sizing: border-box;background-color: rgb(255, 255, 255);line-height: 28.4444px;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section data-role="outer" label="Powered by 135editor.com" style="color: rgb(62, 62, 62);max-width: 100%;line-height: 25.6px;font-family: 微软雅黑;box-sizing: border-box !important;word-wrap: break-word !important;"><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><section data-id="37369" data-type="lspecial02,lspecial04" data-tools="小蚂蚁编辑器" powered-by="xmyeditor.com" data-md5="701e8" style="max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="701e8" style="margin-right: 10px;margin-left: 10px;max-width: 100%;box-sizing: border-box;border-width: 1px;border-style: solid;border-color: rgb(64, 148, 253);overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="701e8" style="padding-top: 15px;padding-right: 15px;padding-left: 15px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="701e8" style="max-width: 100%;color: rgb(85, 160, 253);letter-spacing: 1px;line-height: 24px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-size: 14px;text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);text-indent: 2em;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">9月3日，中国银保监会发布了《关于实施车险综合改革的指导意见》，明确全国车险综合改革自2020年9月19日开始施行。<strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">9月14日，江苏银保监局召开全省车险综合改革启动会，标志着江苏车险综合改革工作进入倒计时。</strong></span></section><section style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></section><section style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">本次车险综合改革，既涉及到交强险改革，也涉及到商车险改革；既涉及到条款改革，也涉及到费率改革；既涉及到产品改革，也涉及到服务改革；既涉及到车险市场改革，也涉及到监管改革；既涉及到车险供给侧的改革，也涉及到中介机构的改革，是一个全面的、综合的、立体的工程。</span></section></section></section><section powered-by="xmyeditor.com" data-md5="701e8" style="max-width: 100%;text-align: right;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="701e8" style="margin-top: -5px;margin-right: 5px;max-width: 100%;display: inline-block;width: 30px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><img data-ratio="0.6666666666666666" data-type="png" data-w="48" src="http://www.320924.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/HRWgMak7KPuFs9tsIPYzfwYqBZWzCLIuX3LXgyy45micA08ic8IX7j29Cb98zS2MTumhib9D6jZsgyibibH6FEaM3Mw/640?wx_fmt=png" style="vertical-align: middle;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;width: 30px !important;"/></section></section><section powered-by="xmyeditor.com" data-md5="701e8" style="max-width: 100%;box-sizing: border-box;width: 589.232px;height: 4px;border-top: 1px dashed rgb(64, 148, 253);overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></section></section></section><p style="max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><section data-id="44895" data-type="lspecial02,lspecial04,lspecial06" data-tools="小蚂蚁编辑器" powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section data-md5="465b4" style="max-width: 100%;display: inline-block;vertical-align: middle;width: 32px;height: 32px;background-image: url(http://www.320924.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_gif/HRWgMak7KPuFs9tsIPYzfwYqBZWzCLIuJzku7WZHwkLzSL81VaYH4EZPCvX06vfJz2tibZZw9ibXHTLqTk8azlKA/640?wx_fmt=gif);background-position: initial;background-repeat: no-repeat;background-attachment: initial;background-origin: initial;background-clip: initial;background-size: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;color: rgb(231, 147, 99);letter-spacing: 1px;line-height: 32px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><p data-md5="465b4" style="max-width: 100%;min-height: 1em;font-size: 14px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 17px;color: rgb(171, 25, 66);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong data-md5="465b4" style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">1</strong></span></p></section></section><section powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;display: inline-block;vertical-align: middle;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;box-sizing: border-box;border-width: 1px;border-style: solid;border-color: rgb(140, 116, 202);border-radius: 5px;background-color: rgb(240, 206, 105);overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="465b4" style="padding-right: 15px;padding-left: 15px;max-width: 100%;box-sizing: border-box;color: rgb(231, 147, 99);letter-spacing: 1px;line-height: 24px;overflow-wrap: break-word !important;"><p data-md5="465b4" style="max-width: 100%;min-height: 1em;font-size: 14px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 17px;color: rgb(171, 25, 66);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong data-md5="465b4" style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">更多红利</strong></span></p></section></section></section></section></section><p style="max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">改革实施后，按照“降价、增保、提质”的要求，做到“三个基本”即“价格基本上只降不升，保障基本上只增不减，服务基本上只优不差”，绝大多数车主都能切实享受到改革红利。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">一、交强险责任限额大幅提高</span></strong>。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 16px;color: rgb(171, 25, 66);box-sizing: border-box !important;overflow-wrap: break-word !important;">有责总责任限额从12.2万元提高到20万元</span><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">，其中死亡伤残赔偿限额从11万元提高到18万元，医疗费用赔偿限额从1万元提高到1.8万元，财产损失赔偿限额维持0.2万元不变；无责任赔偿限额按照相同比例进行调整，其中死亡伤残赔偿限额从1.1万元提高到1.8万元，医疗费用赔偿限额从1000元提高到1800元，财产损失赔偿限额维持100元不变。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">二、商车险保险责任更加全面</span></strong>。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 16px;color: rgb(171, 25, 66);box-sizing: border-box !important;overflow-wrap: break-word !important;">车损险主险保险责任增加了机动车全车盗抢、地震及其次生灾害、玻璃单独破碎、自燃、发动机涉水等保险责任</span><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">，删除了事故责任免赔率、无法找到第三方免赔率等免赔约定，删除了实践中容易引发理赔争议的免责条款，为消费者提供更加全面完善的车险保障服务。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">三、商车险产品更为丰富</span></strong>。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">增加了驾乘人员意外险产品，包括代送检、道路救援、代驾服务、安全检测等内容的车险增值服务特约条款，为消费者提供更加规范和丰富的车险产品。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">四、商车险价格更加合理</span></strong>。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">保险业根据市场实际风险情况，重新测算了商车险行业纯风险保费。同时，商车险产品设定附加费用率的上限由35％下调为25%，预期赔付率由65％提高到75%，车险产品费率与风险水平更加匹配。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">五、车险产品市场化水平更高</span></strong>。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">逐步放开自主定价系数浮动范围，</span><span style="max-width: 100%;font-size: 16px;color: rgb(171, 25, 66);box-sizing: border-box !important;overflow-wrap: break-word !important;">第一步将自主定价系数范围确定为，第二步适时完全放开自主定价系数的范围</span><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">六、无赔款优待系数进一步优化</span></strong>。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">改革实施后，商车险无赔款优待系数将考虑赔付记录的范围由前1年扩大到至少前3年，对于偶然赔付消费者的费率上调幅度将降低。</span></p><section style="max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"> </span></section><section data-id="44895" data-type="lspecial02,lspecial04,lspecial06" data-tools="小蚂蚁编辑器" powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section data-md5="465b4" style="max-width: 100%;display: inline-block;vertical-align: middle;width: 32px;height: 32px;background-image: url(http://www.320924.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_gif/HRWgMak7KPuFs9tsIPYzfwYqBZWzCLIuJzku7WZHwkLzSL81VaYH4EZPCvX06vfJz2tibZZw9ibXHTLqTk8azlKA/640?wx_fmt=gif);background-position: initial;background-repeat: no-repeat;background-attachment: initial;background-origin: initial;background-clip: initial;background-size: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;color: rgb(231, 147, 99);letter-spacing: 1px;line-height: 32px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><p data-md5="465b4" style="max-width: 100%;min-height: 1em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(171, 25, 66);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">2</strong></span></p></section></section><section powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;display: inline-block;vertical-align: middle;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;box-sizing: border-box;border-width: 1px;border-style: solid;border-color: rgb(140, 116, 202);border-radius: 5px;background-color: rgb(240, 206, 105);overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="465b4" style="padding-right: 15px;padding-left: 15px;max-width: 100%;box-sizing: border-box;color: rgb(231, 147, 99);letter-spacing: 1px;line-height: 24px;overflow-wrap: break-word !important;"><p data-md5="465b4" style="max-width: 100%;min-height: 1em;font-size: 14px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 17px;color: rgb(171, 25, 66);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong data-md5="465b4" style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">服务更优</strong></span></p></section></section></section></section></section><p style="max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">机动车辆保险涉及到千千万万个家庭和单位，在长期的服务过程中，各家保险公司为了更好地服务客户，曾推出了各具特色的增值服务，如道路救援、车辆安全检测等个性服务，但由于没有统一的标准和规范，广大车主体验感差异较大，容易引起服务纠纷。<br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(171, 25, 66);box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">本次改革就保险增值服务的制度、标准进行了规范和统一，增加了包括代送检等内容的车险增值服务特约条款，为消费者提供更加规范的车险保障服务。</span></span><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;"></span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">本次改革服务质量提高还表现在<strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">，</strong></span><span style="max-width: 100%;font-size: 16px;color: rgb(171, 25, 66);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">将地震、台风、洪水巨灾风险纳入保障范围</strong></span><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;">；对容易引发理赔争议的免责条款进行了删除；重新定义名词释义，优化条款表述，使消费者更容易理解。</span></p><section style="max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></section><section data-id="44895" data-type="lspecial02,lspecial04,lspecial06" data-tools="小蚂蚁编辑器" powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section data-md5="465b4" style="max-width: 100%;display: inline-block;vertical-align: middle;width: 32px;height: 32px;background-image: url(http://www.320924.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_gif/HRWgMak7KPuFs9tsIPYzfwYqBZWzCLIuJzku7WZHwkLzSL81VaYH4EZPCvX06vfJz2tibZZw9ibXHTLqTk8azlKA/640?wx_fmt=gif);background-position: initial;background-repeat: no-repeat;background-attachment: initial;background-origin: initial;background-clip: initial;background-size: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;color: rgb(231, 147, 99);letter-spacing: 1px;line-height: 32px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><p data-md5="465b4" style="max-width: 100%;min-height: 1em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(171, 25, 66);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">3</strong></span></p></section></section><section powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;display: inline-block;vertical-align: middle;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="465b4" style="max-width: 100%;box-sizing: border-box;border-width: 1px;border-style: solid;border-color: rgb(140, 116, 202);border-radius: 5px;background-color: rgb(240, 206, 105);overflow-wrap: break-word !important;"><section powered-by="xmyeditor.com" data-md5="465b4" style="padding-right: 15px;padding-left: 15px;max-width: 100%;box-sizing: border-box;color: rgb(231, 147, 99);letter-spacing: 1px;line-height: 24px;overflow-wrap: break-word !important;"><p data-md5="465b4" style="max-width: 100%;min-height: 1em;font-size: 14px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(171, 25, 66);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 17px;box-sizing: border-box !important;overflow-wrap: break-word !important;">行业更规范</span></strong></span></p></section></section></section></section></section><p style="max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 16px;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;">江苏承保的机动车保有量达 1867万辆，2019年车险保费收入 685亿元，占财险保费的67.5%。我国车险经过多年的改革发展，取得了积极成效，但高定价、高手续费、粗放经营、竞争失序、数据失真等问题比较突出。</span></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"/></p><p style="margin-right: 8px;margin-left: 8px;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 16px;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;">实施了本次车险综合改革，</span><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;">对于车险行业来说，车险价格将</span><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;">回归合理水平，保险公司将进一步转变经营模式和发展方式，将更多的资源投向客户真正需要的理赔等服务领域，优化理赔资源配置，车险从费用竞争转向服务竞</span><span style="max-width: 100%;color: rgb(0, 122, 170);font-size: 16px;text-indent: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;">争，不断提高车险消费者满意度，改善行业形象。</span></p><p style="max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></p><p style="max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></p></section></section></section></section></section><p></p><p style="text-align: center;"><strong style="letter-spacing: 0.544px;text-align: center;white-space: normal;color: rgb(89, 87, 87);">- end -</strong></p><p style="text-align: center;"><br/></p><p style="text-align: left;"><span style="color: rgb(89, 87, 87);font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 12px;text-align: justify;">▍图文来源：我苏网 ▍</span></p><p style="text-align: left;"><br/></p><link rel="stylesheet" href="http://www.320924.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_AKJ" id="wcn_editor_css"/>
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