Chapter 405: Dawning Insurance
In order to give everyone more choices, Wei Minsheng also transplanted the non-satellite navigation method from another world.
With the gridded encoding, the alphanumeric arrangement is very regular and will not be confused with the standard address representation method at all.
Sometimes, this way of navigating is more convenient without caring about the specific location of the residents on the floor and having a high-definition map.
The establishment of a standard address has greatly simplified the workflow of the express delivery industry.
The characterized standard address can be directly referenced in the database, and there is no need to set a unique ID field to distinguish each address, and the operation efficiency of the system is not improved by a little bit.
In order to further improve the efficiency of delivery and user experience, Wei Minsheng has set up an express delivery point at the main entrance of each community.
The management of the delivery point is determined by those who are older through the adjustment method of "self-employment".
Outside this delivery point, it is also a centralized parking point for shared bicycles, and the management of the delivery point is also responsible for the sorting and standardization of these shared bicycles.
Although due to the size of the urban unit, shared bicycles can already meet the travel needs of most people.
But for some older people and people who can't ride a bicycle, reluctantly using this mode of travel can easily interfere with the normal traffic order, and then create safety hazards.
Therefore, the taxi industry came into being.
However, in the management of the taxi industry, the SAR refers to the model of Didi Dache, but the details and management are different.
The SAR stipulates that residents with more than two years of driving experience can apply for the purchase of a vehicle designated by the SAR.
As long as the integrity value meets the standard and passes the basic skills test, you can register as a chauffeur.
However, no one can guarantee the absolute safety of the vehicle, and all kinds of accidents may occur.
In order to provide a means of compensating for these unexpected losses, insurance companies have also been established with the promotion of the management of the Special Administrative Region.
However, the Dawning Insurance Company established in the Special Administrative Region of Tuvalu is not for the purpose of making profits, it mainly wants to use the collective strength to deal with some irresistible unexpected losses of manpower.
The first type of insurance launched by Shuguang Insurance Company is traffic safety insurance, and Didi car owners must pay insurance premiums according to the number of days they work when they are engaged in this industry.
A car only needs to pay ten yuan per day for insurance, without considering the platform's management fee.
Because Wei Minsheng felt that if a city wants to be managed in an orderly manner, it must provide more comprehensive services to everyone in the city.
The more convenient the traffic and the higher the vehicle utilization rate, the more comfortable everyone's travel will be.
Only when traveling is more comfortable and less expensive than driving by oneself will personal desire to buy a car be discouraged.
In this way, the whole city can be prevented from becoming a huge parking lot, and most of the vehicles are parked in the parking spaces on the side of the road, occupying the already strained highway resources, making the traffic more and more strained.
The scheduling capability of the platform can effectively improve the efficiency of vehicle use and create greater social benefits.
As long as it is beneficial to the SAR as a whole, the SAR has always supported it.
With the involvement of the computer system, the management cost is almost negligible, and if the management fee is charged to the Didi driver, there is a suspicion of abusing power for personal gain.
Moreover, these management fees will also be passed on to end users in various ways, affecting their travel experience.
This is contrary to the development direction of the Special Economic Zone, so it is better to have social benefits without charging management fees.
And the insurance money of ten yuan per car per day does not have a scale effect at all for this small city with only more than 100 cars.
Even if it is collected for a year, it is only 300,000 or 400,000 yuan.
This amount of money is indeed a drop in the bucket for traffic accidents.
Therefore, the Special Economic Zone adopted the method of social financing and raised more than 2 million soft sister coins as the start-up capital of Shuguang Insurance Company.
The start-up capital is financed for a period of one year at an annual interest rate of 5 percent, after which new debt will be issued to cover traffic accidents.
If this is not enough, you can also apply for an increase in the amount of financing.
This kind of financing is basically equivalent to welfare.
In order to ensure fairness, the financing amount is 200 yuan per person, and everyone has a share.
If you choose to forfeit, the amount you give up will automatically form an investment bond, which will be re-put on the platform for sale to everyone.
In addition, urban units such as the City of Hope are completely filled out from the bottom of the sea, so the urban units are full of flat roads.
Although the central park is a bit sloping, there are no lanes in the park, only winding sidewalks.
Moreover, the entire urban unit is only a little more than 600 meters in diameter, and the optimal distance of any two points in the city will not exceed two kilometers.
Therefore, for the sake of energy conservation and environmental protection, the Tuvalu Special District has designated passenger vehicles that can be used as special vehicles, mainly electric cars that use supercapacitors as power storage.
Parameters such as a range of 10 kilometers on a few minutes of charging and a top speed of 50 kilometers per hour may not make any sense in other large cities.
But such a vehicle is very suitable as a short-distance means of transportation within an urban unit such as the City of Hope.
The absence of pollution is one aspect, with a maximum speed of 50 km/h, which is also very safe for drivers and passengers.
Even if there is an accident, at most it will be a minor injury, and it will not cause many serious consequences.
In order to strengthen the driver's awareness of safety responsibility, according to the regulations of Shuguang Insurance Company, the insurance company is only responsible for the injury compensation of the third party if the vehicle is not maintained in accordance with the regulations, the accident caused by mechanical failure, and the accident caused by the chauffeur violating traffic rules.
The insurance company is not responsible for the loss of the vehicle and the injury suffered by the driver himself.
Moreover, once such a liability accident occurs, the integrity of the chauffeur will also be affected to varying degrees according to the size of the loss of the accident.
With such regulations, those chauffeur drivers will take the initiative to strengthen the daily inspection and maintenance of their vehicles to reduce the occurrence of mechanical accidents.
At the same time, it also pays more attention to the formation of drivers' own driving habits and consciously regulates their driving behavior.
In view of the accidents that may occur in the project, each company has also taken the initiative to contact Shuguang Insurance Company in order to reduce its own operational risks, and jointly developed a new engineering liability insurance.
Similarly, this engineering liability insurance does not cover liability accidents caused by the operator's violation of engineering safety regulations.
Because the purpose of Sugon Insurance Company is to protect against accidents that cannot be prevented by manpower, and the damage caused by non-standard operation is obviously not within the scope.