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目前，我国车主超3亿。爱车因自然灾害受损、新车还没上牌就出事故、自家车撞了自家人、出事时驾驶证过期……上述难题，现在通通都能通过车险理赔。中国保监会今天宣布商业车险费率二次改革落地，进一步扩大保险公司自主定价权，下调商业车险费率浮动系数下限。据测算，部分地区车险折扣率低至3.3折。（记者 肖中仁）
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