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近年来,香港保险业发展迅速.到目前为止,在香港注册的保险公司有近300家,仅持有经营汽车保险牌照的保险公司就有90家.前几年,这些公司都各出奇招,千方百计拓展汽车保险的客源;然而,近两年,情况大为改变,香港汽车保险业赔付率高,难于经营,车主也怨声载道.汽车保险已成为香港社会各界关注的问题.一、香港汽车保险业现状(一)香港汽车保险赔付率高,咎其因有三:1、非法赛车造成意外事故赔案增多.随着香港经济的发展,一些年青人精神空虚,寻求刺激,经常组织非法赛车进行赌博,但往往因技术问题或机件失灵造成撞车伤人等意外事故;尽管香港政府已采
In recent years, the insurance industry in Hong Kong has developed rapidly. So far, there are nearly 300 insurance companies registered in Hong Kong, and there are 90 insurance companies holding only auto insurance licenses. In the past few years, However, in the past two years, the situation has changed dramatically. As the car insurance industry in Hong Kong has a high rate of payout and is difficult to operate, car owners have also complained. Car insurance has become a topic of concern to all sectors of society in Hong Kong. (A) Hong Kong auto insurance claims a high rate of blame for three reasons: 1. Accidental accidents caused by illegal racing have increased. With the development of economy in Hong Kong, some young people find themselves in an emptiness and seek stimulation. They often organize illegal racing for gambling , But accidents such as crashes and crashes are often caused by technical problems or mechanical failures; although the Hong Kong Government has adopted