1. Road traffic safety planning is not insurance! ! ! It is different from traditional auto insurance, and it has similar claims function as regular auto insurance, but it is essentially different from commercial auto insurance. The biggest difference is that the essence of road traffic safety co-ordination does not belong to insurance, and it is not regulated by CBRC and insurance law, but is bound by contract law. Secondly, the current road traffic safety planning is mostly aimed at trucks and special vehicles, which are generally purchased by enterprises and individuals with a large number of vehicles.

2. So what's the difference between road traffic safety planning and traditional auto insurance?

It is a part of the nature of insurance, and there are still many differences from regular vehicle insurance. When the ownership of the vehicle is transferred, the overall insurance of the vehicle cannot be transferred with the vehicle like the formal insurance, but the owner needs to withdraw from the "Overall Motor Vehicle Traffic Safety Contract" of the original transportation company. Secondly, the compensation for road traffic safety co-ordination does not have strict standards and principles like regular insurance companies, and there is no compensation prescription and compensation standard for road traffic safety co-ordination within the scope of China's Insurance Law and the supervision of China Banking Regulatory Commission. How to compensate, compensation standards, more compensation and less compensation, and when to compensate are all stipulated in the Motor Vehicle Traffic Safety Co-ordination Contract.

Overall planning has just developed, which has the advantage of solving some insurance deficiencies and making up for the embarrassing regional insurance problems of insurance companies.