买车辆保险要注意的问题.docVIP

摘要 近年来中国汽车产业发展迅速，汽车消费的增长必将带动汽车保险业迅速发展，特别是按照入世协议我国将逐步开放保险市场，机动车辆保险（下称车险）是财产保险中的一个新兴门类。近几年，随着国内汽车市场的快速增长和车险投保意识的逐步提高，中国车险保费收入稳步增长，到2010年中国汽车保有量将达六千万辆，机动车辆保险保费收入可超过六千亿元人民币。但同时，中国车险市场发展也面临价格战、渠道混乱、理赔漏洞、外资参与不充分等问题，现在，买汽车上保险成为许多购车人的共识。值得关注的是，有些车主在投保中由于法律意识淡薄，不仅违背了《保险法》的相关规定，而且会影响日后的个人保险权益。因此，本文就买车辆保险要注意的问题进行了分析。 关键词：汽车保险 保险市场 保险问题 保险权益 Abstract Chinas auto industry has developed rapidly in recent years, the growth of auto consumption will drive the rapid development of automobile insurance industry, in particular, in accordance with the WTO agreement China will gradually open up the insurance market, the motor vehicle insurance (hereinafter referred to as auto insurance) is an emerging property insurance in the category of . In recent years, with the rapid growth of the domestic auto market and gradually raise the awareness of auto insurance insurance, auto insurance premiums in China grew steadily, by 2010, car ownership in China will reach sixty million, motor vehicle insurance premiums can be more than six hundred billion yuan. But at the same time, the Chinese insurance market development and price wars, channels confusion, vulnerability claims, foreign participation is not sufficient and so on, now, to buy car insurance to be the consensus of many car buyers. Concern is that some owners insurance due to weak legal consciousness, not only violated the Insurance Law the relevant provisions, and will affect the future of the personal insurance benefits. Therefore, this paper to buy vehicle insurance should pay attention to the problems analyzed. Keywords: Car insurance Insurance market Insurance Insurance benefits 目录 摘要 I Abstract II 1绪论 1 1.1 课题的来源 1 1.2 研究背景及意义 1 1.3 本文研究思路及框架 1 2 汽车保险概论 3 2.1 汽车保险的产生 3 2.2 国外发展现状 3 2.3 国内发展现状 4 2.4 汽车保险的分类 5 2.4.1 车辆损失险 5 2.4.2 第三者责任险 5 2.4.3 汽车附加险 5 3 我国汽车保险的发展进程与现状 7 3.1 我国汽车保险的四个时期 7 3.1.1 萌芽时期 7 3.1.2 试办时期 7 3.1.3 发展时期 7 3.2 我国发展现状 8 4.我国汽车保险存在的问题 10 4.1 投保意识及投保心理的问题 10 4.2 保险品种及保险费率单的问题 10 4.3 保险监管的问题 11 4.4 人