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据统计,截至2010年底,北京市汽车保有量已达470万辆。汽车在为人们提供出行便利的同时,交通事故发生率也在逐年提高,由此引发的车辆保险理赔也在逐年增多。北京市西城区法院在审理案件中发现,在申请理赔的过程中,部分被保险人存在过错行为,或因担心保险公司拒赔谎称事故原因,或为贪图省事谎报驾驶员。这些行为不但没有使被保险人顺利获得保险赔偿,还给理赔带来大麻烦。
According to statistics, as of the end of 2010, the number of vehicles in Beijing has reached 4.7 million. Car provides convenience for people at the same time, the traffic accident rate is also increased year by year, the resulting insurance claims are also increasing year by year. In the trial of Xicheng District Court in Beijing, the court found that during the process of applying for claims, some insured persons were found to be at fault, or because the insurance company refused to make compensation for the cause of the accident or misrepresented the driver for his sake. These acts not only failed to insure the successful insured person, but also brought great troubles to the claim.