山东寿光：“电动骑行保”升级焕新——普惠金融守护百姓出行安全

Core Insights - The article discusses the introduction and impact of a new insurance product called "Electric Riding Insurance" by China Life Property & Casualty Insurance in Shouguang City, aimed at addressing the rising number of traffic accidents involving electric vehicles [1][2][4] Group 1: Insurance Product Overview - "Electric Riding Insurance" was launched to provide coverage for electric vehicle users, addressing the lack of mandatory insurance for electric vehicles and the resulting financial liability issues in traffic accidents [2][4] - The insurance product has provided risk coverage exceeding 1 billion yuan, effectively addressing the social issue of inadequate traffic safety mechanisms [2][3] Group 2: Product Features and Enhancements - The insurance coverage has been expanded to include ordinary household electric bicycles and certain commercial electric vehicles, with a maximum compensation limit of 115,000 yuan for third-party injuries and property damage [3] - The annual premiums for electric two-wheelers, three-wheelers, and four-wheelers have been reduced to 50 yuan, 100 yuan, and 200 yuan respectively, making it more affordable [3] Group 3: Implementation and Impact - The implementation of "Electric Riding Insurance" has involved collaboration with local government departments, enhancing traffic safety management and expediting the claims process for minor traffic accidents [2][4] - The initiative aims to create a multi-layered traffic safety assurance system, alleviating the economic burden on drivers and protecting the rights of third-party victims, thereby promoting social stability [4]