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近期,以中央电视台为主的媒体以“高保低赔”为由,连续对国内车损险条款中保险金额的确定以及赔付问题进行负面报道,对车险行业的信誉与正常经营产生了非常大影响,引起了社会各界的广泛关注与监管部门的高度重视。针对此次媒体事件,从车损险产品的历史发展角度,探求问题的本源并探索较为有效的解决对策,是很有意义的。
Recently, the CCTV-based media to “guarantee pay” as an excuse for the continuous determination of the amount of domestic car damage insurance provisions and the issue of claims to pay a negative report on the auto insurance industry, the credibility and normal operation had a very Great impact has aroused widespread concern in the community and regulators attach great importance. In response to this media event, it is of great significance to seek the origin of the problem and explore more effective solutions to solve the problem from the perspective of historical development of lossy products.