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网约车的普及不仅便利了群众的日常出行,缓解了交通拥堵,同时还提升了闲置车辆的利用效率,但与之相伴的还有众多争议,保险争议“当仁不让”地位列其中。基于网约车目前的分类而确定的保险类型很难真正为相关人员提供安全保障,这也给现有保险行业带来极大的影响和挑战。笔者认为可以从借鉴美国加州的典型做法,构建平台公司的保险准入制度以及推动保险行业的改革创新等方面入手应对我国网约车目前的保险困境。
The popularization of network-based vehicles not only facilitates the routine travel of the masses, alleviates traffic congestion, but also enhances the utilization efficiency of idle vehicles. However, there are many controversies accompanied by insurance disputes such as “doing my part”. It is difficult for the type of insurance based on the current classification of the network to provide real security for the relevant personnel, which also brings great impact and challenge to the existing insurance industry. I think we can learn from the typical practice of California, build a platform for the company’s insurance access system and promote the reform and innovation of the insurance industry to deal with the current network of our country insurance network predicament.