定了！车险新规9月19日起实施，交强险责任限额提高至20万元
<div class="wx_rich_media_content" id="jsWxContainer"><section style="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; line-height: 1.75em;"><span style="color: rgb(171, 25, 66);"><strong><span style="font-size: 15px;">9月3日，银保监会官网发布《关于实施车险综合改革的指导意见》（下称《指导意见》），并将于2020年9月19日正式实施</span></strong></span><span style="font-size: 15px;color: rgb(73, 73, 73);">，仅剩下不到20天的过渡期。</span></section><p style="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; text-align: center;"><span class="wxart_image" wx-style="display:inline-block;box-sizing: border-box !important;width: 677px !important;visibility: visible !important;"></span></p><p style="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; text-align: center;"><br></p><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">机动车辆保险长期以来是财险领域第一大业务，社会关注度高。截至2019年，我国车险承保机动车达2.6亿辆，保费收入8189亿元，占财险保费的63%。</span></section><section style="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; line-height: 1.75em;"><br></section><section style="text-align: center; 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; line-height: 1.75em;"><span class="wxart_image" wx-style="display:inline-block;text-align: center;box-sizing: border-box !important;width: 677px !important;visibility: visible !important;"></span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">我国车险经过多年的改革发展，取得了积极成效，但一些长期存在的深层次矛盾和问题仍然没有得到根本解决，高定价、高手续费、经营粗放、竞争失序、数据失真等问题比较突出。</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">车险综合改革有哪些亮点？服务会不会更好？价格会不会上涨？对此，银保监会有关部门负责人表示，预计短期内对于消费者可以做到“三个基本”，</span><span style="font-size: 15px;color: rgb(171, 25, 66);"><strong>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”。</strong></span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em; text-align: center;"><strong><span style="font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(0, 122, 170);">交强险总责任限额提高到20万元</span></strong></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">改革后，</span><span style="font-size: 15px;color: rgb(171, 25, 66);"><strong>交强险责任限额大幅提升，从12.2万元提高到20万元</strong></span><span style="font-size: 15px;color: rgb(73, 73, 73);">。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。</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">同时，</span><span style="font-size: 15px;color: rgb(171, 25, 66);"><strong>无责任赔偿限额按照相同比例进行调整</strong></span><span style="font-size: 15px;color: rgb(73, 73, 73);">，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></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">工信部人才交流中心汽车分析师张翔向记者表示：“</span><span style="font-size: 15px;color: rgb(171, 25, 66);"><strong>交强险限额大幅度提高，交通肇事强制赔付数额会更高，有助于保护事故中受伤者的权益。</strong></span><span style="font-size: 15px;color: rgb(73, 73, 73);">”</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em; text-align: center;"><strong><span style="font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(0, 122, 170);">盗抢险纳入车损险主险保障</span></strong></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">目前，商业车险有4个主险，分别是机动车损失保险、机动车第三者责任保险、机动车车上人员责任保险、机动车全车盗抢保险。</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">很多车主除了第一年买车的时候被捆绑购买盗抢险，大部分时候都不会单独购买盗抢险。因为车主认为，盗抢险的保费并不便宜，而发生全车盗抢的概率极低，并不划算。</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">而在《指导意见》中，盗抢险从主险中删除，相关责任添加到了机动车损失保险中。</span><span style="font-size: 15px;color: rgb(171, 25, 66);"><strong>条款修订后，消费者无需考虑是不是要单独购买盗抢险，</strong></span><span style="font-size: 15px;color: rgb(171, 25, 66);"><strong>如果车辆被盗窃、抢劫、抢夺，同样可以通过车损险获得理赔。</strong></span></section><section style="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; line-height: 1.75em;"><br></section><section style="text-align: center; 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; line-height: 1.75em;"><span class="wxart_image" wx-style="display:inline-block;max-width: 700px;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;box-sizing: border-box !important;visibility: visible !important;width: 578px !important;"></span></section><section style="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; line-height: 1.75em; text-align: center;"><span style="font-size: 12px;color: rgb(123, 127, 131);">资料图 图片来源：中新网</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em; text-align: center;"><strong><span style="font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(0, 122, 170);">地震灾害不再免赔</span></strong></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">机动车全车盗抢纳入车损险主险，新的机动车示范产品的车损险主险保险责任，还增加了地震及其次生灾害、玻璃单独破碎、自燃、发动机涉水等保险责任。</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">扩大保障的同时，对实践中容易引发理赔争议的免责条款进行了删除，如将“地震及其次生灾害等”剔除免责条款。也就是说，</span><span style="font-size: 15px;color: rgb(171, 25, 66);"><strong>我国车险产品基本覆盖了地震、台风、洪水等主要巨灾风险。</strong></span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">“处于我国地震带的车辆更易发生地震风险，而对于处于非地震带的车辆，单独投保需求不足。”爱问保险CEO庞博对此解读称，巨灾风险投保一直是我国保险业涉及比较浅的领域，此次将巨灾风险纳入到车险条款中，是我国巨灾风险保障的一次尝试与突破。</span></section><section style="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; line-height: 1.75em;"><br></section><section style="text-align: center; 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; line-height: 1.75em;"><span class="wxart_image" wx-style="display:inline-block;max-width: 700px;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;width: 677px;box-sizing: border-box !important;visibility: visible !important;"></span></section><section style="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; line-height: 1.75em; text-align: center;"><span style="font-size: 15px;color: rgb(73, 73, 73);"><span style="color: rgb(123, 127, 131);font-size: 12px;">资料图 图片来源：</span><span style="color: rgb(123, 127, 131);font-size: 12px;">中新网</span></span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em; text-align: center;"><strong><span style="font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(0, 122, 170);">支持车险模式创新</span></strong></section><section style="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; line-height: 1.75em; text-align: center;"><strong><span style="font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(0, 122, 170);">安全记录好的车主保费更便宜</span></strong></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">值得一提的是，《指导意见》中提出：支持行业制定新能源车险、驾乘人员意外险、机动车延长保修险示范条款，探索在新能源汽车和具备条件的传统汽车中开发机动车里程保险（UBI）等创新产品。</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">何为UBI，创新之处在哪里？</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">张翔告诉记者，UBI中文名为“无赔款优待系数”，指的是根据使用车的情况来定损买保险的商业模式。</span><span style="font-size: 15px;color: rgb(171, 25, 66);"><strong>如果车主驾驶行为好，违章少，里程少，买保险金额就少，来鼓励车主文明驾驶，少出交通事故。</strong></span><span style="font-size: 15px;color: rgb(73, 73, 73);">UBI商业模式在国外已经较为普遍，在国内还有待推广。</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">银保监会相关负责人指出，商车险无赔款优待系数将考虑赔付记录的范围由前1年扩大到前3年，对于偶然赔付消费者的费率上调幅度将降低，这也将大大提高消费者的获得感。</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">“除了UBI，监管部门还将结合各地区交强险综合赔付率水平，在道路交通事故费率调整系数中引入区域浮动因子，对未发生赔付车主的费率由最高优惠30%扩大到50%，</span><span style="font-size: 15px;color: rgb(171, 25, 66);"><strong>拥有良好驾驶习惯和安全记录的车主交强险将更便宜。</strong></span><span style="font-size: 15px;color: rgb(73, 73, 73);">”</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em; text-align: center;"><strong><span style="font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(0, 122, 170);">保费下降大势所趋</span></strong></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">银保监会负责人表示：“改革实施后，商车险价格更加科学合理。</span><span style="font-size: 15px;color: rgb(171, 25, 66);"><strong>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%</strong></span><span style="font-size: 15px;color: rgb(73, 73, 73);">，车险产品费率与风险水平更加匹配。”</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">业内人士认为，改革将让保险公司承担更多赔偿责任，在让利消费者的同时，保险公司整体赔付率预计将出现一定程度的上升。这与车险综合改革“增保、降费”的目标一致。</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">虽然车险综改还未正式施行，但作为车险市场的头部保险公司已开始着手准备。8月25日起，部分地区车险出单手续费正式下调，下调幅度根据险企车险业务规模而定，人保财险、太保财险、平安财险三家财险巨头下调幅度最大，部分地区最低上限已下调至15%。</span></section><section style="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; line-height: 1.75em;"><br></section><section style="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; line-height: 1.75em;"><span style="font-size: 15px;color: rgb(73, 73, 73);">针对本轮车险综合改革给行业带来的影响，人保财险副总裁邵利铎在半年报业绩发布会表示，从整个行业来看，车均保费可能会有一个比较明显的下降。</span><span style="font-size: 15px;color: rgb(171, 25, 66);"><strong>整体来看，将呈现赔付率和费用率一升一降，即赔付率总体上升，费用率大幅下降。</strong></span></section><section style="text-align: center; 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; line-height: 1.75em;"></section><section style="text-align: right; 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; line-height: 1.75em;"><span style="font-size: 12px;color: rgb(136, 136, 136);">（<span style="letter-spacing: 0.544px; text-align: right;">来源：</span><span style="letter-spacing: 0.544px; text-align: right;">中国新闻网</span>）</span></section><p><br></p></div> 这样是不是赔的就多了越来越好了
这样比以前好多了
多收钱吗？
商业车损险会不会涨价？把盗抢、玻璃、涉水之类本该额外花钱买的险种打包进车损了。
无所谓，每年都是全险。去年第三者责任险一百万，今年两百万。谁都不希望动用保险，交通环境复杂多变，只是用来预防不测的手段。
涨吧！反正人们的生活水平提高了，工资没涨吧……
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