According to the Ministry of public security statistics, as of June this year, the number of cars in China has reached 270 million. Among them, 270 million cars and 400 million drivers. In terms of quantity, it has been equal to that of the United States. In this situation, people pay more and more attention to the issue of automobile insurance, the most obvious performance is the rapid increase of the number of automobile insurance related enterprises. Recently, the official website of China Banking and Insurance Regulatory Commission (CIRC) released the guiding opinions on the implementation of comprehensive reform of vehicle insurance (hereinafter referred to as the “guidance”) and will be formally implemented on September 19, 2020. It is expected that after the implementation of the reform, “Three Basics” can be achieved for consumers in the short term, that is, “prices are basically reduced but not increased, security is basically increased but not reduced, and services are basically only excellent but not poor”. At that time, consumers will really feel the following reform dividend. < / P > < p > first, the liability limit of compulsory traffic insurance has been greatly increased. The total liability limit was increased from 122000 yuan to 200000 yuan, including the death and disability compensation limit increased from 110000 yuan to 180000 yuan, the medical expense compensation limit was increased from 10000 yuan to 18000 yuan, and the property loss compensation limit remained unchanged at 2000 yuan; The non liability compensation limit is adjusted according to the same proportion, including the death and disability compensation limit increased from 11000 yuan to 18000 yuan, the medical expense compensation limit increased from 1000 yuan to 1800 yuan, and the property loss compensation limit remained unchanged at 100 yuan. Secondly, the commercial vehicle insurance liability is more comprehensive. The main insurance liability of the new motor vehicle demonstration products increases the insurance liability of vehicle theft and robbery, earthquake and its secondary disasters, glass breakage, spontaneous combustion, engine wading, etc., and removes the exemption clauses which are easy to cause claim disputes in practice, so as to provide more comprehensive insurance for consumers Perfect automobile insurance service. Third, commercial vehicle insurance products are more abundant. The special terms of value-added service for vehicle insurance including inspection, road rescue, driving service and safety inspection are added to provide more standardized and rich automobile insurance products and services for consumers. Fourthly, the price of commercial vehicle insurance is more scientific and reasonable. According to the actual risk situation of the market, the insurance industry recalculated the pure risk premium of the commercial vehicle insurance industry. At the same time, the upper limit of the additional charge rate of the commercial vehicle insurance products was reduced from 35% to 25%, and the expected loss ratio was increased from 65% to 75%. The automobile insurance product rate and risk level were more matched. Fifthly, the marketization level of automobile insurance products is higher. Gradually liberalize the floating range of independent pricing coefficient. In the first step, the range of independent pricing coefficient is determined as [0.65-1.35], and the second step is to fully liberalize the range of independent pricing coefficient. < / P > < p > sixth, the coefficient of preferential treatment without compensation was further optimized. After the implementation of the reform, the scope of compensation records will be expanded from the previous year to the first three years, and the rate increase range for accidental compensation consumers will be reduced. Spontaneous combustion at a Guangzhou Motor vehicle intersection and other traffic lights in Shenzhen