汽车保险与评估（Automobile insurance and evaluation）.docVIP

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汽车保险与评估（Automobile insurance and evaluation）.doc

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汽车保险与评估（Automobile insurance and evaluation）

汽车保险与评估（Automobile insurance and evaluation） 1 what is the risk? What are the characteristics of risk? Answer: risk refers to the deviation of the possible consequences of a persons decisions about future behavior and the uncertainty of objective conditions. The characteristics of risk are objectivity, universality, contingency, testability and changeability. 2. what is the meaning of automobile insurance? What are the functions and functions of automobile insurance? Answer: automobile insurance is liable for the insured object of all kinds of motor vehicles or traffic accidents. The basic function of auto insurance compensation is the main loss of function, derivative functions mainly include the financial distribution function and financing function, risk management of loss prevention function. Role: to promote the development of the automobile industry, expand the needs of the car, stabilize the social public order, and promote the improvement of automobile safety performance; automobile insurance business plays an important role in property insurance 3. what are the principles of motor insurance? Answer: the principle of combining insurance with disaster prevention and reduction, the principle of utmost good faith, the principle of insurable interest, the principle of compensation for loss and the principle of proximate cause. 4. what is over insured? Answer: over insurance means the insured amount is higher than the insured value. 5., what are the accident liability, franchise, absolute franchise and absolute deductible?. Answer: the liability exemption probability is based on the proportion of the insured vehicle in the accident, the insurance company should pay no compensation for this part of the proportion. Absolute franchise refers to the insured compensation for the amount of each accident deductible a certain proportion. Deductible means the deductible losses are responsible for the insured, the insurer is only responsible for the above deductible and li