交通安全统筹并非保险 监管出手从源头治理“冒牌车险”

Core Viewpoint - The recent notification from multiple regulatory bodies aims to clarify that "Traffic Safety Mutual Insurance" is not an insurance product and should only be limited to internal mutual assistance within transportation enterprises, preventing misleading marketing practices [1][2][3]. Group 1: Regulatory Actions - The notification explicitly prohibits any entity from marketing "Traffic Safety Mutual Insurance" as an insurance product, emphasizing the need for public awareness, especially among truck and taxi drivers, to distinguish between illegal operations and legitimate insurance [2][3]. - Entities involved in "Traffic Safety Mutual Insurance" must not include misleading terms like "mutual" or "insurance" in their business names or scopes, effectively cutting off the foundation for fraudulent insurance practices [2][3]. - Companies must establish dedicated accounts for mutual funds and ensure proper management and supervision of these funds to prevent misuse and ensure adequate compensation reserves for accidents [2][3]. Group 2: Industry Implications - The insurance industry association has issued a risk alert regarding illegal traffic safety mutual insurance, reiterating that only licensed insurance companies can offer insurance products, while traffic safety mutual insurance is a non-insurance mutual assistance activity [3]. - The association encourages vehicle owners to enhance their risk management awareness and verify the legitimacy of their insurance policies through official channels, including a dedicated app for checking valid insurance coverage [3]. - There is a push for collaboration between insurance companies and industry associations to improve proactive risk prevention measures, such as vehicle safety monitoring and public safety campaigns [2].