Hello, i am your little ginseng, focusing on the original, sharing new rules, policy readings, pit avoidance guides every day, loving my content, remembering praises, collections, attentions, and continuing to share practical dry goods next time。
Have you ever had that experience? In the event of a traffic accident, the injured person and the car were damaged, and the other party refused to pay for the damage as soon as it found any reason to do so。
Even more distressing is the fact that they have fully paid for the various types of insurance and that traffic accidents have not been done on their own will, but insurance companies have been able to find a variety of claims in insurance contracts that refuse to settle claims. The driver's licence was denied, the car was loaned in good faith to blame his family and friends for the incident, the passengers were awarded compensation for the accident caused by the opening of the door, and many of the owners of the car went through it in person。
Today, all of our friends travelling in a car have received a solid good news report that, as of 30 june 2026, the new rules of justice introduced by the supreme people's court have been formally implemented. They deal with all kinds of unjustified denials of compensation in day-to-day vehicle insurance claims, significantly closing the gap in the day-to-day settlement of claims, and that it is no longer feasible to refuse a reasonable settlement at will。
This new regulation, fully referred to as the interpretation of certain issues of the law relating to the trial of damages in road traffic accidents (ii), was officially published in may this year and is implemented uniformly throughout the country without any regional differences。
This new rule is of vital interest to the country’s hundreds of millions of motor vehicle owners and to all travelers, whether they are old drivers who drive all the time, new drivers who travel occasionally, day-to-day travelers, friends who have a habit of borrowing cars, and they must read this article carefully, each of which is closely linked to everyone’s property security and responsibility。
One: counting through the past is a lot of trouble
A number of drivers, when purchasing vehicle insurance, were told by staff members that the safeguards were comprehensive, that all types of contingencies could be resolved, and that when a real traffic accident required a settlement process, restrictions were found, many of which fell outside the scope of the settlement. This is not an unreasonable situation for a large number of car owners, but rather an unreasonable pattern of denial of compensation in the past, which made it difficult for them to accept。
The next step is to take some of the most common examples of life, and to see if you've ever had any of the most desperate car crashes。
Many drivers are busy working on a day-to-day basis, often forgetting to change their driving permits on time, just a few days after their expiry, and in case of a minor traffic accident on a driving trip, the insurance company directly determines that they are driving without a permit, thereby denying all compensation。
In fact, there is a fundamental difference between the short expiry of a driving permit and the absence of an examination for a driving permit. The owner of the car himself has a qualified driving technique and has simply neglected the procedure for the exchange of permits, simply because this is a minor oversight that tens of thousands of dollars, if not more, cannot be claimed in full, and anyone would find it hard to agree。
Family and friends help each other on a day-to-day basis and kindly lend their car to their friends and friends with a regular driver's license and without drinking, resulting in traffic accidents on their way to drive vehicles, which in the past have resulted in victims of accidents often being prosecuted together with the owner, who in many cases is also liable。
The owner of the car does not take any advantage of it, simply borrows it out of good will, and is ultimately liable to a large sum of compensation, which, in serious cases, may even affect his or her normal life, and a growing number of people are afraid to borrow it easily for a long period of time, and the exchange of human beings between relatives and friends in the neighbourhood is gradually diminishing。
Open doors and homicides are common on day-to-day journeys, and there is a high incidence of settlement disputes. The passengers did not carefully observe the surrounding road conditions before getting out of the car and suddenly opened the door to the roadside riders. After such accidents, a number of insurance companies had previously been held liable for the fact that the accident had been caused by the passengers ' behaviour and not by the driver's operation, thereby refusing to settle the claim。
Being the owner of the car, who is in a state of frustration and who buys his own insurance in full, the accident during which the passengers are travelling, should fall within the scope of the vehicle's insurance, and the victims suffer physical injury for no reason, especially if they are to receive fair compensation。
There are also a number of middle-aged and old-age groups over the age of 60 who, after retirement, continue to work outside the home, in domestic farming or in casual work, and earn income support from their own labour. In the event of a traffic accident on the road and a long period of inability to work with a physical injury, and in order to claim compensation from the insurance company for the loss of work, the other party directly refuses to pay for the error on the grounds that it has reached retirement age。
Retirement does not represent total incapacity, and many older persons continue to rely on labour to maintain their daily expenses, and injuries actually reduce their economic income, and refusing compensation on the basis of age alone is not reasonable in itself。
In addition, in the vast majority of car insurance contracts, the various exclusion clauses for refusing to settle claims were placed in the middle of a small text that was difficult to notice. When staff members market their vehicle insurance products, they do not voluntarily explain these exonerations, and the insurance company does not issue a contract listing the rejection regulations until the owner has a genuine need to settle the claim。
It was only then that the owner realized that the full-scale insurance he had paid for had in fact been subject to a number of settlement restrictions, and that there was not enough base to defend his rights。
In the face of these unreasonable settlements for too long, most drivers have had to choose to live in silence. Even if they want to defend their legitimate rights through legal means, it will take a lot of time, money, and energy, and will not necessarily lead to satisfactory results。
A new legal code has now been introduced, which has completely changed the past pattern of unfair settlement, specifically aimed at the management of various types of occupational disorder and at safeguarding the legitimate rights and interests of ordinary drivers and victims of accidents。
Ii. New practical rules, electronic rules
The new legal regulations that have been introduced are relevant to the practice of the united nations, and each of them directly addresses the various problems that have arisen in the past in the case of vehicle insurance claims. I have been able to sort out the core elements of our daily travels in plain language, so that we can avoid the vast majority of disputes over compensation。
The new regulations expressly provide that insurance companies cannot refuse to settle claims directly on the sole ground that the driver's licence has expired for a short period of time, nor will the people's courts support such unreasonable denials。
As long as the driver's licence has not been legally revoked or cancelled by the authorities concerned, it has simply been forgotten that the change of licences has been completed on time, and even after a period of delay, normal traffic accidents, high-risk insurance and various types of commercial vehicle insurance are subject to normal settlement。
One can rest assured that the change of driver's licence is simply neglected and that subsequent accidents continue to allow normal settlement of claims. It is also important to remind you that if a driving permit has been legally revoked and revoked, and the driving is still being carried out, such cases remain outside the scope of the settlement of claims, and it is important that the boundaries be clearly established。
The most problematic issue in the past was the allocation of responsibility for the borrowing of vehicles, and the new rules also provide for a clear and clear delineation of responsibilities between the two parties and an end to the unprovoked back-to-back situation of no fault-free owners。
The day-to-day loan of a vehicle, provided that the person in question has a valid valid driver's licence, that there are no violations such as drunk driving, drunk driving, non-conformity in the type of car, that there is no security failure in the vehicle itself, and that any traffic accident occurs in the subsequent vehicle, that all liability is borne by the actual driver and that the owner of the vehicle does not incur any liability associated with it。
Only when there is a manifest fault on the part of the owner, who still borrows the vehicle knowing that the other party does not have a valid driver's permit, and when it is clear that the vehicle is broken down or is not repaired, will the owner be jointly responsible。
From now on, you can borrow the car in a friendly manner, and you can no longer alienate your family and friends out of fear of unexpected compensation。
With regard to high-fast open doors and road traffic accidents, the new rules also provide for the direct finalization of compensation guidelines, specifying the personal injury and property damage caused by the random opening of doors by passengers, all of which are assigned to the responsibility of the motor vehicle side, and the insurance company is required, in accordance with the vehicle insurance treaties, to carry out normal settlement of claims within the scope of the guarantee of strong insurance and commercial insurance。
In the future, insurance companies can no longer engage in arbitrary liability deductions and refuse to pay the associated losses. The only special case is where a passenger intentionally engages in a dangerous opening-up to cause an accident, and the insurance company can make a follow-up recovery from the passengers concerned after the prior payment has been made。
The problem of the payment of compensation for road accidents in the middle and old age groups has also been properly addressed in the new regulations, which have completely broken the old concept of age as the basis for determining non-payment。
As long as the group of older persons who are injured is able to produce real and valid proof of income, including relevant materials such as daily work certificates, detailed farm income and water and wages, it is possible to prove that they still have an income from work. Even after reaching retirement age, insurance companies must account for the cost of work and must not refuse compensation on the grounds of retirement。
This new regulation effectively relates to the lives of people at the grass-roots level, effectively guarantees the legitimate rights and interests of groups of older persons who work hard, and no longer exposes older persons who work hard to economic loss。
The new regulations also contain strict rules for the trade in which the vehicle insurance contract hides small-word exemption clauses, all of which have the effect of denying compensation. In the course of the sale of the vehicle, the insurance company must provide a clear reminder by means of bold labels and a high-profile focus, while making clear to the purchaser what the regulation means。
If a staff member does not voluntarily warn and elaborate on the relevant exemption at the time of the sale of the vehicle risk, the hidden denial of compensation will lose direct legal effect and the insurance company cannot refuse the owner of the vehicle to make the normal settlement on this basis。
The behaviour of a large number of drivers who would later rely on word games and hide regulations will no longer work, and all rules relating to the settlement of claims must be open and transparent。
Good intentions to travel free of charge to their neighbours, colleagues, acquaintances, or what is often said is good intentions and behaviour. In the event of traffic accidents in the past, the owner of a well-intentioned passenger is often required to pay full compensation, and many are afraid to help out。
The new regulations, which fully accommodate the goodwill of the public, make it clear that travel by other persons is carried out free of charge and that the liability of the owner can be reduced as appropriate in the event of an accident causing injury to the passenger。
The basic rights and interests of the passengers are guaranteed, as well as the goodwill of the carowners, who strongly advocate a good culture of social solidarity, so that people can help themselves without fear of being disappointed in good intentions。
In the past, owners have faced unreasonable denials of compensation and have taken the initiative to bring cases before the courts to defend their rights. Even if they succeed, the costs associated with the proceedings often have to be borne by the owners themselves, further increasing the costs of defending them。
The new regulations now make it clear that once an insurance company loses its claim, it must bear the full costs of litigation in proportion to the costs involved, and that the relevant exemption agreements in the insurance contract are null and void。
In the future, owners will rely on the legal means to defend their legitimate rights and, when successful, will not have to bear the associated costs of defending their rights themselves, significantly lowering the threshold for the defence of ordinary people。
The above-mentioned new practical rules have precisely addressed the various human problems that have arisen over the years in the processing of vehicle insurance claims, as well as the protection of the legitimate rights and interests of the owners of the vehicles and those involved in the accident. Starting on 30 june, all regions of the country were uniformly implemented in accordance with the new standards and were able to enjoy the protections afforded by the new regulations, regardless of whether they were driving high-end vehicles or ordinary walkers。
Iii. In-depth analysis of the reasons behind the new regulations to respond to the needs of the people
A number of friends are wondering why, at this point in time, the new rules of justice have been formally introduced and the industry has been overhauled. Indeed, the new rules were not designed in a vacuum, and there are many underlying reasons for social development that are closely linked to our daily social development。
First, there have been a long history of unjustified denials of compensation for various types of vehicle insurance, which have become a matter of concern to the population and have generated a great deal of popular discontent。
According to the data, the number of complaints relating to domestic vehicle insurance claims remains high every year, with the vast majority of the complaints being filed, all due to the unjustified refusal of insurance companies to settle the claims. The refusal to pay for expired driving permits, disputes over the division of responsibility for borrowing vehicles, open doors to settle claims and, more importantly, the types of issues most frequently complained of by the public。
There has been a long-standing lack of uniformity in the criteria for the settlement of disputes, and cases of the same nature are dealt with differently in different regions, not only leaving the owners with no way to defend their rights, but also disproportionately affecting social harmony and stability. This time, the supreme law introduced new uniform rules aimed at harmonizing the criteria for adjudication of cases throughout the country, resolving disputes of various kinds and providing fair and impartial outcomes to the general public。
The second is to make every effort to safeguard the interests of the most vulnerable groups of society and to safeguard justice for society as a whole。
Among all types of road traffic accidents, roadside pedestrians, non-motorized cyclists, the elderly and children are often the most affected, and such groups are themselves in a vulnerable position, suffering double physical and psychological damage after an accident, and are more difficult to obtain successful compensation。
Over a long period of time, some insurance companies, relying on their own industry advantages, have taken advantage of poor information and contractual loopholes to arbitrarily refuse to make reasonable claims, hold unprovoked car owners responsible, and delay victims of accidents in receiving medical compensation, all of which run counter to the basic principles of social equity and justice。
The new regulations have always given priority to safeguarding the legal rights and interests of victims of accidents, and have carefully differentiated the liability for accidents. On the one hand, they guarantee that the injured population has access to funds for medical treatment and recovery, and on the other hand, they protect the owners of vehicles who have not been faulted from unprovoked interference and from the fear of the good。
Finally, it is important to regulate the overall operating culture of the vehicle insurance industry and to promote its return to its original security priorities。
The insurance industry was originally created to share the risks of mobility in the daily lives of the general population, to help each other protect themselves from the economic costs of accidents and to safeguard the peaceful and peaceful daily lives of ordinary people。
In recent years, however, some car insurance companies have gradually moved away from the industry’s original focus on optimizing compensation services and solving the problem of owner travel, and have instead spent a great deal of their time looking for a variety of reasons for refusing compensation, relying on refusal to make a reasonable settlement to boost their own earnings. In the long run, not only has the reputation of the entire vehicle insurance industry continued to decline, but it has also led to a loss of public confidence in the vehicle insurance industry。
The new regulations reduce the scope for unjustified denials in a comprehensive manner, forcing the major car insurance companies to adjust their business models, put aside their speculative thinking and focus their efforts on optimizing compensation services and improving efficiency, so as to ensure that the vehicle insurance system truly works as a guarantee of mobility, and encourage the whole industry to move steadily towards formal health。
In short, the new system has been put in place by the state, from the point of view of ordinary people, in order to correct the industry's bad climate, to restrain it and to return it to the path of security。
Iv. New laborations with a broad risk and transfer of life in the three groups
By 30 june, when the new rules on vehicle risk insurance were formally put into effect, the changes brought about were not limited to the major insurance companies, but would have a profound impact on the daily lives of different segments of society, and the convenience and fairness of the new rules were felt by every ordinary person。
For a large number of motor vehicle owners, the day-to-day driving after the new rules will be more secure. It is no longer necessary to forget to change the driver's licence for the entire day, to borrow the car normally between relatives and friends, or to be afraid to bear a heavy liability without reason。
The owner of the car, who travels on a daily basis with friends who know each other, without fearing to help others in good faith, is in trouble with the economy to settle their claims in the event of a traffic accident, and in the face of the unprovoked refusal of insurance companies to pay compensation, has a clear legal basis and a great deal of authority, and no longer has to bear alone the burden of injustice。
For all victims of road traffic accidents, the new regulations have made it easier and simpler to pursue rights-based approaches and seek reasonable compensation。
Accidents such as door-opening killings and vehicle crashes on a daily basis, regardless of the pretext sought by the other party to push the liability, were successful in applying for a vehicle insurance settlement. The group of middle- and old-age workers who continue to work after retirement, and the loss of post-injury work, are also eligible for compensation。
Even if the parties disagree on the amount of compensation to be paid, they will not have to bear the economic pressure of the proceedings, they will no longer have to be quiet about seeking compensation, and the law will stand firmly on the side of the victim and effectively defend his or her fundamental rights and interests。
For the major car insurance enterprises, the new scheme is undoubtedly a comprehensive business restructuring, and it will be impossible to obtain benefits in the past through unjustified denials。
In the future, major insurance companies will have to overhaul their own vehicle insurance contracts so that all compensation rules and exoneration regulations are clearly presented to consumers and transparent. It is also necessary to streamline the processing of claims on an ongoing basis, improve the quality of services provided in the processing of claims, optimize the coverage of the population and the processing of claims。
Market competition between the car insurance industry in the future will also change completely and will no longer be able to find more grounds for denial than it will be, but will be faster, better service attitudes and more comprehensive safeguards that will drive the whole industry to complete a virtuous upgrading transition。
In general, this brand-new vehicle risk insurance policy, which is a blessing for hundreds of millions of drivers and travelers, is a powerful initiative to regulate the healthy development of the car insurance industry and is an important expression of social justice。
V. Principal payers, prepared to be prepared for new rules
Some time before the new regulations were formally implemented on june 30th, you took advantage of the time available to prepare for them, both to avoid various settlement errors before the new rules were formally laid down and to better use the new rules to protect your rights and interests。
The first point is to check in a timely manner the validity period of the driver's licence and complete the change of licence as early as possible. It is possible to check the expiry date of the driver's licence and to do so in advance, in accordance with the relevant regulations, so as not to wait until the driver's licence has expired or has expired, so as to minimize the root causes of unnecessary settlement disputes。
The second point is the rational and full deployment of travel insurance to enhance its own ability to travel against risk. While day-to-day driving, risk insurance is a necessity, commercial insurance offers full coverage in accordance with the environment in which they travel. The amount of compensation for road traffic accidents is now increasing, and adequate insurance coverage is sufficient to minimize the economic costs of accidents。
The third point is that there is a daily need to borrow a car in advance of identification. When it is ready to borrow a car from someone else, check the driver's permit information in advance to confirm that the other party does not have any violations such as drunk driving, fatigue driving, etc., while simply checking the vehicle's base condition, confirming that the loan process will be completed after confirmation and maximizing potential risks。
The fourth point creates a habit of getting out safely and killing traffic accidents away from the door. The day-to-day detour is accompanied by a good habit of using a remote hand door, before the door is opened by careful observation of the rear pedestrians and vehicles, after opening a small gap to confirm the safety of the perimeter, before completely opening the door and reducing the incidence of accidents。
The fifth point is the proper retention of all categories of significant income and related travel documents. In particular, old-age friends, who are permanent foreign workers and family farmers, properly maintain their daily income-related documents, which, in the event of an unfortunate traffic accident, are an essential basis for claiming the cost of the accident and can help to secure reasonable compensation。
Vi. Topics for interactive exchanges
Having read the article in detail, it is believed that there is a clear and comprehensive understanding of the new rules governing the forthcoming vehicle insurance claims. We are here to talk to our friends and welcome you to leave a message。
Have you ever experienced an unjustified refusal by an insurance company to settle a claim in the course of a normal day? What grounds did the other party refuse to pay? In the end, did everyone succeed in defending their legitimate rights and interests
At the same time, what are the different views on the new regulations for vehicle risk insurance introduced by the supreme law? Is it felt that this new rule can actually improve the risk of disaster when you get out
