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近年来,险企在保险合同纠纷诉讼上的败诉率奇高,其中车险的败诉率甚至达到85%,而这种高败诉率的“元凶”之一,就是险企车险产品设计存在缺陷或存在违反法律法规现象。保险业要想更好地维护自身权益与保险司法环境构建,必须严于律已,从保险产品的合法合规做起。
In recent years, insurance companies in the insurance contract dispute litigation exception rate is extremely high, of which the auto insurance even reached 85% of the defeat rate, and this high rate of defeat “culprit” is one of the defective auto insurance product design flaw Or there is a violation of laws and regulations. In order to better safeguard its own rights and interests and build the judicial environment for insurance, the insurance industry must strictly follow the law and start from the legal compliance of insurance products.