Research On Online Car-hailing Insurance Claims From The Perspective Of UBI Pricing

As a product of "Internet +" and "sharing economy",online car-hailing is very popular because of its function of integrating and utilizing idle social resources to meet people’s personalized travel needs.However,in the process of the development of online car-hailing,the legal problems have become more and more prominent.The most prominent point is that it is difficult to obtain insurance compensation after a traffic accident occurs in the online car-hailing,and the individual damage results are difficult to be compensated and dispersed through the insurance system.Therefore,this paper takes online car-hailing insurance claims as the research content,deeply analyzes the predicament of online car-hailing insurance claims,and on the basis of borrowing innovative pricing methods from other regions,puts forward feasible suggestions for the improvement of my country’s online car-hailing UBI insurance legal system.This paper first explains the concept and classification of online car-hailing,points out that the research objects cover non-cruising online taxi-hailing at the official normative level and online-hailing ride-hailing at the daily life level,and clarifies that disputes in practice are mainly under the C2 C model.of private car-hailing and semi-operating and occasional car-hailing.Online car-hailing insurance is different from traditional taxi insurance in three aspects: the scope of legal subjects,the incidence of individual risks of the insured,and the attribution of car insurance classification.It is precisely because of the particularity of online car-hailing insurance that a large number of insurance claims disputes.Through the study of relevant judicial cases,it is found that the difficulties of insurance claims for online car-hailing are mainly reflected in the following aspects: first,it is difficult to determine the nature of the use of online car-hailing rides;second,it is difficult to judge whether the risk of online car-hailing has increased significantly;third It is difficult to fulfill the obligations of both parties to the insurance contract.On the basis of investigating the online car-hailing insurance system outside the domain,we found a technical way to solve the problem of my country’s online car-hailing insurance—UBI pricing model.The article selects the United States,where the development of online car-hailing is relatively mature,as the comparative research object,and analyzes and draws the lessons for my country’s online car-hailing insurance system:dual insurance access for online car-hailing;UBI pricing model;emphasis on information protection and pricing supervision.To solve the problem of online car-hailing insurance claims,we can start from the legal path or the technical path.Based on the comparison of the two paths,the article draws the conclusion that the technical path of the UBI pricing model is more suitable.Therefore,it is proposed to adopt UBI in the field of online car-hailing.Pricing model,suggestions for building my country’s online car-hailing UBI insurance legal system.However,the introduction of extraterritorial things may cause the problem of "acclimatization".Therefore,it is necessary to explore the feasibility of this model in the field of online car-hailing before building the system.The information protection system and the establishment of a pricing supervision system are started from four aspects to realize the localization of the UBI pricing model.