Recently, many friends with cars may be thinking about one thing, that is, is it still cost-effective to drive a ride-sharing or not?
The reason why this matter has been hotly discussed is that the insurance company recently made a new move, which made many hitchhikers feel a little sad, and they feel that there is an invisible "tightening curse" on their heads.
The cause of the incident was in Guangdong, when a car owner went to renew his car.
This was originally a routine thing that was done every year, but this year, the insurance company handed him a document he had never seen before, called "Not-operating Vehicle Insurance Notice".
The content in this notice letter is very straightforward, and it roughly means that your car is insured with a family-owned non-operating insurance, so you cannot use it for any activities related to operations or operations.
It was specially named, including "hitchhiking".
The letter clearly states that if the car owner has an accident during an activity like hitchhiking, the insurance company will "not be responsible for compensation" for any losses caused.
As soon as the news came out, it was like throwing a big rock on
Recently, many friends with cars may be thinking about one thing, that is, is it still cost-effective to drive a ride-sharing or not?
The reason why this matter has been hotly discussed is that the insurance company recently made a new move, which made many hitchhikers feel a little sad, and they feel that there is an invisible "tightening curse" on their heads.
The cause of the incident was in Guangdong, when a car owner went to renew his car.
This was originally a routine thing that was done every year, but this year, the insurance company handed him a document he had never seen before, called "Not-operating Vehicle Insurance Notice".
The content in this notice letter is very straightforward, and it roughly means that your car is insured with a family-owned non-operating insurance, so you cannot use it for any activities related to operations or operations.
It was specially named, including "hitchhiking".
The letter clearly states that if the car owner has an accident during an activity like hitchhiking, the insurance company will "not be responsible for compensation" for any losses caused.
As soon as the news came out, it was like throwing a big rock on the calm lake, causing ripples after ripples.
Many car owners were stunned and muttered: I just took someone to and from get off work, shared some fuel money, and earned breakfast money a day. How could this become a "business activity"?
This is obviously not the same as driving a taxi or running a full-time online ride-hailing car.
To understand why insurance companies do this, we have to think about it first from their perspective.
Insurance, to put it bluntly, is a business about risks and probability.
When we buy private car insurance, the insurance company calculates the premium based on the premise of this car as "family self-use".
In this model, most of the time your car is driving to and from work, taking your family out for fun on weekends, and the risks are relatively fixed and controllable.
Therefore, premiums are also relatively low.
But once you start taking orders for hitchhiking, even if you only do it occasionally, the situation will completely change.
First of all, your car will definitely have a longer time on the road and its mileage will also increase, which means that the probability of a traffic accident is naturally higher than that of simply using it for yourself.
Secondly, it is also a more critical point. The person sitting in your car has changed from your relatives and friends to paid strange passengers.
This has undergone a fundamental change in legal relations.
There is a transportation service contractual relationship between you and the passenger, and as the carrier, you have higher responsibility for his personal and property safety.
In case of an accident unfortunately, the compensation issues involving passengers can be much more complicated and serious than ordinary traffic accidents.
The insurance company's small abacus is very clear: you pay a low-risk "family self-use" premium, but you are engaging in high-risk "passenger carrying activities", which is equivalent to allowing the insurance company to bear risks far exceeding expectations with very low fees.
This obviously makes no sense in business.
Therefore, they chose to avoid risks from the source of insurance contracts and directly included hitchhiking in the scope of "no compensation".
This may not be because they deliberately make things difficult for car owners, but because of the most direct and effective business decisions for risk control.
Of course, car owners also have reasons for their grievances.
According to the regulations of our national transportation management department, real ride-sharing, that is, private passenger cars, is defined as a civil mutual aid act that is "not for profit-making purposes."
Its core is "straight-by-way" and "cost-sharing", not making money.
From this perspective, it does not belong to an operating vehicle, and it does not require an operational certificate.
So many car owners will think that I am acting within the framework allowed by the state and compliant. Why does your insurance company unilaterally determine that I am a "business activity" and refuse to pay compensation?
This creates a very embarrassing situation: on the one hand, the national regulations determine the "non-operational" nature of hitchhiking, and on the other hand, the "one-size-fits-all" exclusion of increased risks in commercial insurance contracts.
There are differences between laws and business rules here, and the one sandwiched in the middle is the vast number of hitchhikers.
Theoretically debates may be complex, but the real cases are very cold and direct.
Not long ago, in Guangdong, another car owner suffered this loss.
He usually only takes several orders to ride the car occasionally, and he has been safe for several years and has never applied for a claim.
As a result, once, he had a rear-end collision that was not serious while driving, and he was fully responsible.
He reported insurance as usual, but the insurance company found during the investigation that there was a record of receiving orders from the hitchhiking platform on his mobile phone, and said on the spot that the accident could not be compensated.
The car owner felt very angry and argued with the insurance company for a long time. The other party even said something that if he insisted on claiming, they might report the situation to the transportation management department, and they might face investigations and fines for illegal operations.
In the end, the car owner had to admit that he was unlucky and paid for his own money to repair his and his other party's car.
This living example is more convincing than any theory.
It tells us that in the event of an accident, the owner is in a very passive and unfavorable position.
Let’s calm down and calculate the calculation: if you go on a ride, you may earn more than ten or twenty yuan. If you are diligent in a month, you may be able to spend hundreds or thousands of yuan more fuel.
But what are the risks you take for this?
If something happens, the insurance company refuses to pay compensation, as small as a repair fee of several thousand yuan, as large as hundreds of thousands or even millions of yuan in case of casualties, you may have to bear it alone.
For the sake of that little pocket money, I take the risk of losing all my money. No matter how I calculate this account, I don’t think it’s worth it.
This incident not only sounded the alarm for drivers and friends, but also as passengers, we must be more careful.
Many people choose to ride, but the picture is that it is cheap.
But we must also understand that behind this cheapness, it may be at the expense of security.
You get into a car that may be in a "uninsured" state in the legal sense. If an accident occurs, how do you protect your rights as a passenger?
The process of claiming personal compensation from the driver will be very long and difficult.
In order to save the amount of money and put yourself at such a risk, should you also think about it again?
After all, this insurance storm surrounding hitchhiking is actually a collision that will inevitably occur with the traditional rules system during the development of the new model of sharing economy.
It also marks the market becoming mature and standardized.
The past pattern of wandering in the gray area under the banner of "sharing" is being replaced by increasingly clear rules.
Professional affairs should be left to professionals.
Those online car-hailing and taxis that run full-time transportation purchase operation insurance and accept stricter industry supervision, which is behind it to ensure the safety of passengers and the public.
For ordinary private car owners, it may be time to return to the original intention of the vehicle, drive safely, travel steadily, and not cause unnecessary troubles and hidden dangers to ourselves. This is the wisest choice.
