The passenger vehicle takes out insurance for two months to escape from danger 8 time Insurance company to suggest that draws back guarantees

The passenger vehicle takes out insurance only then for two months, escapes from danger reaches 8 times. Yesterday, opened 3 month vehicle's Fuzhou Miss Yan to receive Insurance company's telephone, said that the Insurance company was willing to return surplus 10 month-long the insurance premium, hoped that could finish the congruent relationship ahead of time, but also suggested that she drew back guarantees. Miss Yan was on last October 13 attains the driving license, in last December, she bought one second-hand to depend on Rand. Afterward, she has bought 2727 Yuan commercial dangers in an Insurance company. Miss Yan introduced that her family lives in the Wuyi oasis, is being built on stilts the level to have a parking spot. As a result of berth's channel a little slope, the channel is a right curve, nearby two has a sewer pipe respectively, but is also able to discriminate frequently the owner stops the vehicle nearby the berth. Trick-cycling not good she one does not pay attention, or the front has hit the sewer pipe, or the vehicle door has scratched others' vehicle, “escapes from danger eight times, including five times planted on oneself parking spot”. Miss Yan said that “I thought is very suffering from injustice”, is the minor incident which blow scratches, each time the Insurance company pays damages the amount is not high, “the Insurance company reason has not terminated the contract unilaterally”.Afterward, reporter has related this family Insurance company. This company human affairs executive Manager Guo said that they suggested truly Miss Yan draws back guarantees. He said that she escapes from danger is truly too many, two months escape from danger 8 times, altogether have compensated 4870 Yuan, have created company's record nearly, although did not recognize that she is the malicious insurance, but explained at least she drives the technology not to go through a strategic pass. “the present has many novices, thought after the insurance, all accident insurance company can undertake the risk, relaxed vigilantly.”Manager Guo said that this has created society's traffic safety hidden danger imperceptibly, draws back the suggestion which guarantees in fact is for her sounds the alarm, supervises her to enhance the trick-cycling. at the same time , reporter from Fuzhou several greatly Insurance companies found that at present, take escapes from danger excessively many as the situation which draws back by the suggestion guarantees is common, moreover between Fuzhou's Insurance company has also built the information sharing platform, regarding was suggested draws back guarantees the user, they will be specially sensitive. some people believed that rests on "Law of contract", since both sides have signed the contract, the contract has not expired, the Insurance company cannot request to terminate the contract unilaterally. Regarding this, Xiamen University Jin Rongxi is engaged in the insurance research specially Mr./Mrs. Xu said that Insurance company this act is legitimate. according to "Law of insurance" stipulated that safe sign occurrence partial losses, in the insurer compensates latter in 30th, the policy holder may terminate the contract; Besides the contract agreement do not terminate contract, the insurer may also terminate the contract. The insurer terminates the contract, must on 15th inform the policy holder ahead of time, and will insure the sign not to lose the part the insurance premium, deducts, from the insured liability starts the date stops the period after date of the termination contract the receivable part, returns the policy holder. she explained that because the insurance profession itself has the particularity, its contract provision must refer to "Law of insurance", but is not all insurance contracts may stop unilaterally, for instance person life insurance and freight transportation danger and so on, but the car insurance is an exceptional case.