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我国的汽车保有量已经达到两亿辆左右,由此催生了一个庞大的汽车保险市场。而鲜为人知的是,车险长期奉行的理赔原则是一条奇怪的霸王条款:无责免赔。也就是说,当你对交通事故承担责任时,保险公司为你理赔;如果你对事故完全无责,虽然你投保了,保险公司却拒绝理赔。今年3月,车险“无责免赔”条款因舆论关注和消协的呼吁而被推上风口浪尖。
China’s car ownership has reached 200 million or so, which gave birth to a huge auto insurance market. The little-known is that the auto insurance long-term principle of settlement is a weird Overlord clause: no responsibility for deductible. That is to say, when you take responsibility for a traffic accident, the insurance company will settle the claim for you. If you are completely blameless for the accident, the insurance company refuses to pay the claim even though you insured it. In March this year, the auto insurance “no liability for compensation ” clause was pushed to the cusp because of the media attention and Consumer Association’s call.