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年险理赔难一直是困扰国内广大车主的一大难题。然而在发达国家里,较为完善的保险制度已经为车辆事故理赔撑起了保护伞。美国:制度完善,条款繁杂1898年,美国的第一份机动车保险在旅行者保险公司售出,而该投保人买保险的目的是担心自己的爱车被马匹撞到。不过,经过上百年的研究和实践,美国的车险已经形成了一套复杂但却科学的费率计算方法。在美国,汽车保险分为商用汽车险
Difficulties in the annual insurance claims has been plagued by the majority of domestic owners a major problem. However, in developed countries, a relatively complete insurance system has risen to an umbrella for vehicle accident claims. The United States: a well-developed system with complicated articles In 1898, the first motor vehicle insurance in the United States was sold at a traveler insurance company, whose purpose of buying insurance was to fear that his car was hit by a horse. However, after hundreds of years of research and practice, auto insurance in the United States has formed a complex but yet scientific method of calculating rates. In the United States, car insurance is divided into commercial auto insurance