Car insurance
The concept of car insurance 【】
Origin, Development】 【Auto Insurance
【Classification】 car insurance
【Functions】 car insurance
The role】 【car insurance
Elements】 【car insurance
【Characteristics】 car insurance
Principle】 【car insurance
【Buy】 car insurance
Skills】 【motor vehicle insurance policy
【Insured should pay attention to the issue】
【Auto insurance claims】
The concept of car insurance 【】
Origin, Development】 【Auto Insurance
【Classification】 car insurance
【Functions】 car insurance
The role】 【car insurance
Elements】 【car insurance
【Characteristics】 car insurance
Principle】 【car insurance
* 【Buy】 car insurance
* Skills】 【motor vehicle insurance policy
* 【Insured should pay attention to the issue】
* 【Auto insurance claims】
[Auto insurance]
Car insurance
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The concept of car insurance 【】
Car auto insurance, or motor vehicle insurance, auto insurance for short, refers to motor vehicles due to natural disasters or accidents resulting from personal injury or property damage liability in a commercial insurance.
Motor vehicles refers to vehicles, trams, electric vehicles, motorcycles, tractors, all kinds of special machinery vehicles, special vehicles.
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Origin, Development】 【Auto Insurance
Auto insurance is a kind of property insurance, in the field of property insurance, automobile insurance is a relatively young insurance, this is because auto insurance is accompanied by the emergence and popularization of the car while the emergence and development. Meanwhile, the modern motor vehicle insurance is different is that in the early stages of auto insurance is based on third-party liability insurance-based vehicle insurance, and gradually extended to the body such as the risk of collision losses.
(A) the origin of auto insurance
Foreign auto insurance originated in the mid-to late 19th century. At that time, with the vehicles in some European countries, emergence and development due to traffic accidents caused by unintentional injuries and property damage increased. Although countries have adopted a number of controls and measures, the use of cars is still on people's lives and property pose a serious threat. And has created some smart people car insurance insurance concerns.
In November 1896 by the British Employers Insurance Company of Scotland issued an insurance policy information sheet, published for the celebration of "1896 Road motor vehicles Act" and passed, but held on November 14 London to Brighton a large-scale car racing news. In this insurance information, it is also published in "car insurance annual rate."
Automobile insurance is the earliest the UK "legal Accident Insurance Company Limited", 1898, the company pioneered the motor vehicle third party liability insurance, fire insurance may be additional cars.
To 1901, insurance companies auto insurance bills, the initial conditions of a modern comprehensive liability insurance conditions, insurance liability also extends to the car theft.
(B) the development of motor insurance in foreign countries
The early 20th century, automobile insurance industry in Europe and the United States has been growing rapidly. In 1903, the British created the "car general insurance", and gradually developed into a major professional car insurance companies.
1906, was established in 1901 Auto Union also established their own "Auto Union Insurance Company."
To 1913, auto insurance has been expanded to more than 20 countries, automobile insurance rates and underwriting approach has been largely standardized.
1927 is the car insurance is an important milestone in the history of the development. The United States established the world-famous Massachusetts Compulsory Motor Vehicle (Liability) Insurance Law promulgation and implementation, indicating the beginning of the motor vehicle third party liability insurance from the voluntary insurance approach to the statutory compulsory insurance style. Since then, the statutory motor vehicle third party liability insurance will soon spread around the world. Wide range of third-party liability insurance, the implementation of the statutory greatly promoted the popularity of the automobile insurance, and development. Che Sunxian, theft insurance, cargo insurance and other businesses also will be developed.