Not long ago, the People’s Insurance Company of China and ChinacarThe Technical Research Center signed a strategic cooperation agreement.
In the future, PICC will gradually link the scoring results of the vehicle crash test with the car insurance rate. For models with good crash scores, the rate may decrease, and vice versa.
It is said that many countries in Europe and the United States have adopted similar practices for a long time. This not only allows insurance companies to avoid risks, but also objectively and subtly affects consumers’ car buying tendency, making them prefer to choose ones with good safety performance and more safety equipment. product.
Great comment
There are actually three types of crash test standards: one is the government's testing standard (the collision speed is 50 kilometers per hour); the other is the crash test conducted by a third-party testing agency (there are third-party testing agencies in the world, but not in China). The collision speed is 64 kilometers per hour; the third is the inspection done by the major international automobile companies (this is not announced, but the collision speed must be above 64 kilometers per hour).
At present, domestic manufacturers only do collision detection at a speed of 50 kilometers per hour, and domestic certification also adopts this standard. What is the significance of these speeds? This can at least show that the government-specified test at a dynamic speed of 50 kilometers per hour is the most basic qualification standard; while the 64 kilometers per hour crash test is a strict third-party test standard abroad, and its standard is higher than the government standard. Why To be higher than the government standard, this is the third-party organization hopes to give consumers a better answer with stricter standards; why the manufacturer’s standard is
Not long ago, the People’s Insurance Company of China and ChinacarThe Technical Research Center signed a strategic cooperation agreement.
In the future, PICC will gradually link the scoring results of the vehicle crash test with the car insurance rate. For models with good crash scores, the rate may decrease, and vice versa.
It is said that many countries in Europe and the United States have adopted similar practices for a long time. This not only allows insurance companies to avoid risks, but also objectively and subtly affects consumers’ car buying tendency, making them prefer to choose ones with good safety performance and more safety equipment. product.
Great comment
There are actually three types of crash test standards: one is the government's testing standard (the collision speed is 50 kilometers per hour); the other is the crash test conducted by a third-party testing agency (there are third-party testing agencies in the world, but not in China). The collision speed is 64 kilometers per hour; the third is the inspection done by the major international automobile companies (this is not announced, but the collision speed must be above 64 kilometers per hour).
At present, domestic manufacturers only do collision detection at a speed of 50 kilometers per hour, and domestic certification also adopts this standard. What is the significance of these speeds? This can at least show that the government-specified test at a dynamic speed of 50 kilometers per hour is the most basic qualification standard; while the 64 kilometers per hour crash test is a strict third-party test standard abroad, and its standard is higher than the government standard. Why To be higher than the government standard, this is the third-party organization hopes to give consumers a better answer with stricter standards; why the manufacturer’s standard is higher than the third-party testing standard? It shows that manufacturers want to gain an advantage in market competition. At the same time, they want to sell globally. The quality of their products must meet market demand, that is, they must not only meet the requirements of the government, but also meet the testing requirements of third parties. Therefore, the manufacturers themselves Product testing must be carried out with higher requirements.
In foreign countries, there are three organizations that will do the 64-kilometer safety collision detection
Judging from the current situation, China's auto insurance costs are relatively high because there are two major problems that cannot be resolved in the short term. First, the insurance company’s rate is the same for any car model, because domestic insurance companies have not yet been able to carry out this safety crash test, so the final result is that the insurance company can’t judge which car models have a high compensation rate. , So the result is that all insured models have to pay a higher level of premiums. In this way, most consumers have also suffered losses; second, there is currently no independent third-party testing agency in China, and Chinese insurance companies do not want to spend this money. Therefore, compared with foreign countries, the cost of car insurance in China is only Appears taller.
For the moment, the establishment of a third-party testing agency still has policy difficulties in China. Because there is a provision in the comments on the structural adjustment of the automobile industry announced at the end of last year that new automobile inspection agencies will not be approved within two years, which means that independent third-party inspection agencies will no longer appear in recent years. Therefore, consumers will not have an objective judgment on the safety of existing models, and insurance companies will not have the opportunity to treat the premiums of models differently. Therefore, China's auto insurance is still in a state of monopoly, and it is consumers who suffer losses.
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![[Basic knowledge of automobiles]When will auto insurance rates truly meet international standards?](/view/img/nopic.png)
