China Life Insurance Shenzhen Branch held a live activity of "auto insurance questions and answers"

Recently, China Life Insurance Shenzhen Branch held the first live broadcast activity of "auto insurance ask and answer" in the dithering studio. Tian Yu, the presenter of Shenzhen Traffic Radio, parachuted into the live broadcast room and talked with Fu Kunkun, the director of human injury claims in the company's claims service department, to answer the daily concerns of car owners and online users about the traffic accident handling process and car insurance claims in the form of easy dialogue and interview.

Through live broadcast connection and bullet screen questions, the two guests gave professional answers to frequently confused questions such as "the same insured's vehicles collided with each other", "whether the shutdown loss caused by online car hailing due to traffic accidents should be compensated", and "how to define whether the passengers on board or the three parties should be involved in the insurance accidents caused by passengers getting on and off the bus".

For the vehicles under the name of the owner of the same license (such as the leasing company), after the traffic accident (no problem in nature), the drivers of the two vehicles do not know each other and have not purchased vehicle damage insurance, how should the insurance company compensate according to its responsibilities? Two key points should be paid special attention to when dealing with such accidents: first, compulsory traffic insurance will exclude the insured's own property. Second, the commercial insurance will exclude the property owned, leased, used and managed by the insured, the driver and their legal family members, so it does not fall within the scope of vehicle third-party liability protection.

With the change of people's travel habits, online car hailing has become the most frequently used means of transportation by the public. For the shutdown loss caused by traffic accidents, online car hailing drivers pay the most attention, Fu Kunkun, Shenzhen Branch of China Life Property Insurance, said in the live broadcast: "The compulsory traffic insurance and commercial third-party insurance all exclude indirect losses such as various production stoppages, outages, power outages, and network outages. There is no dispute, and the insurance does not compensate, but the infringer may be awarded compensation. In view of the litigation costs, it is recommended that operating vehicles purchase additional compensation insurance for costs during repair."

As for the injury caused by an insurance accident during the boarding and alighting of passengers, it should be defined as a person on board or a third party. Guests from the live broadcast room listed two situations respectively: one is within the scope of operating vehicles, based on the position of the center of gravity of the injured person when he or she is injured, and the center of gravity is within the projection range of the vehicle, which counts as a person on board, otherwise it counts as a third party. The other is based on the role of the injured in the event of an accident. For example, when the driver gets off the vehicle to check and repair the vehicle, it is still the responsibility of the driver, so it is still counted as the person on the vehicle.

This live broadcast is a useful attempt by the company to comply with the digital wind outlet of the insurance industry and the development trend of We Media marketing, carefully create the Internet insurance We Media sales model, popularize insurance knowledge in the form of "you ask and I answer", carry out publicity and education on consumer protection, build industry reputation and improve brand image while improving the communication effect, It has laid a solid foundation for further improving the quality of the live broadcast room, improving the exposure rate and attracting public traffic in the future.

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