从安全角度设计车险条款的探讨

为了使驾驶者安全驾驶,达到减少交通事故和降低保险公司理赔支出的目的,笔者的研究课题是从安全角度出发,通过条款细分的方法讨论了安全驾驶与保费厘定之间的关系,确立了“以人为本”、“从车原则”的车险条款厘定细分原则。通过分析人的性别、年龄、驾龄、驾驶记录因素、车的安全性能和使用方式等因素对安全驾驶的影响,可以得出以下结论:适当减少安全驾车者的投保费用,增加风险大的驾驶者和投保车辆的投保费用,这样可以做到以防为主,减少交通事故发生,发挥保险对交通危险的调控作用,也有利于整治保险行业的违规行为,实现车险市场的公开、公平、公正的竞争态势。

Design of Vehicle Insurance Terms from the View of Safety

In order to make people safe-driving, reduce occurrence of traffic accident and cut down the payout of insurance, the relationship between safe-driving and premium rate is discussed through subdividing the terms from the point of view of safety, and establishing the subdividing principle of people oriented and vehicle obedient for the terms. Through analyzing factors influencing the safe-driving such as sex, age, driving age, driving record, as well as the security and use of the vehicle, it is concluded that by appropriately reducing the premium paid by the drivers and appropriately increasing the premium paid by more risky drivers and vehicles, the traffic accidents could be significantly lowered to achieve the goal of putting the prevention first and to bring the adjustment of insurance on traffic risk into full play, so as to realize the open, fair, and justice of competitive insurance market to benefit the rectification of the whole insurance industry.