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Insurance offer triggers debate
http://www.sina.com.cn 2003/08/26 11:50  Shanghai Daily

  A new insurance policy that provides coverage for drunken driving activities in China has ignited a nationwide debate, especially among drivers and their relatives, insurance companies and sociologists.

  The policy, launched by Tian'an Insurance Company earlier this year, was officially approved by the China Insurance Regulatory Commission on Thursday.

  The policy stipulates that the insurance company will compensate a third party for injuries or property losses caused by the policyholder as a result of drunken driving.

  The introduction of the insurance was supported by some drivers but condemned by many people who said that it could lead to rising road acci-dents and challenge social morality.

  "Drunken driving is popular in the country, we must face reality," said Li Rongxiong, manager of Tian'an's Chengdu branch, the capital of southwest China's Sichuan Province.

  Officials with CIRC echoed his point of view, saying that the new policy would protect the interests of the third party while drunk drivers did not escape other responsibilities.

  Wu Xia, a lawyer from Sichuan-based Zhonghao Lawyers Firm, also supported the policy.

  "When the driver can not pay for the losses he causes to a third party, the victim can get maximum compen-sation out of this policy," he said.

  "I don't think the policy will lead to rising road accidents, because it does not include compensation for the driver's losses," he said.

  A woman in Beijing surnamed Hu said she would buy the policy for her husband as he could not avoid drink-ing alcohol in his business activities.

  It is a common practice for Chinese businessmen to have dinner and drink alcohol with their colleagues, which they claim improves their relation-ships and business opportunities.

  However, a driver in Beijing surnamed Quan said the new type of insurance would make driving more dangerous, because some drivers would feel free to drink alcohol.

  "I am already too scared of drunk drivers. I will never buy this insurance policy to support it," he said.

  Calling the policy absurd, Jiang Huaping from Chengdu also said that the insurance would encourage some drivers to drink alcohol.

  Hao Yansu, dean of the Insurance Department under the Beijing-based Central University of Finance and Economics, denounced the new insur-ance as "evil," saying the insurance firm only considered the economic benefits without considering the health, happiness and security of others.




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