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在机动车辆损失保险中,被保险人向保险公司所交的保险费是按照基本保险费和机动车辆保险金额的一定百分比率混合计算的。为什么保险公司人要向被保险人收取基本保险费呢?其主要原因是为了使保险公司所收的保险费能与其担负的经济责任尽量取得平衡。因为各种类型车辆的价值相差较大,新旧程度也参差不齐,有时,新车保险金额虽高,出险机会却少,而旧车保额虽低,出险机会却多。因此,在投保机动车辆损失保险时,如果不收取一定的基本保险费而只按单一的固定费率计收保险费,那么新旧
In motor vehicle loss insurance, the insured person’s insurance premiums paid to the insurer are calculated on the basis of a percentage of the basic insurance premium plus the motor vehicle insured amount. Why should insurers collect basic insurance premiums from insured persons? The main reason for this is that the insurance premiums received by insurers should be balanced as far as possible with their economic responsibilities. Because the value of various types of vehicles varies greatly, the level of new and old is also uneven. Sometimes, the new car insurance amount is high, with fewer opportunities for insurance, while the old car insurance is low, the risk of more opportunities. Therefore, in the insurance coverage of motor vehicles, if you do not receive a certain basic insurance premiums and only a single flat rate for insurance premiums, then the old and the new