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Life is not certain for anything can happen. Certain incidents could happen that can change the lives of people. In the video, a woman walking in the street is knocked down by a tractor. The woman is later taken to the hospital. Normally, the traffic collision or the accidents are caused when two vehicles clash with each other. It is also known as traffic accident , motor vehicle accident , car accident , automobile accident , road traffic collision , road traffic accident , wreck, car crash, or car smash that occurs when a vehicle collides with another vehicle, pedestrian, animal, road debris , or other stationary obstruction, such as a tree or utility pole. They are vehicle design, speed of operation, road design, road environment, and driver skill, impairment due to alcohol or drugs, and behavior, notably speeding and even racing. In the video two buses have collided in Khabarovsk in Russia’s far west taking the lives of least 16 people and injuring nearly 60 others. The road accident consequences in 1.4 million deaths in 2013, up from 1.1 million deaths in 1990. About 68,000 of these occurred in children less than five years old. Almost all high-income countries have decreasing death rates, while the majority of low-income countries having increasing death rates due to traffic collisions. In the bus collision in Russia, the police are investigating about the incident. They found according to the early evidence, both drivers were breaking traffic rules. One of the buses finished on its roof as a result of the head-on crash. It immediately had the government calling for stricter driving laws.

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The Chinese insurance industry has experienced rapid expansion over the past decade, with annual life-insurance premiums growing from 10 billion U.S. dollars in 1999 to 46 billion U.S. dollars in 2006.

In addition to steadily increasing demand, two major supply-side trends have encouraged the development of the industry: (1) under the World Trade Organization (WTO) framework, the Chinese government lowered entry barriers to foreign insurers, allowing them to establish joint-venture insurance firms in China; and (2) domestic insurers strengthened themselves through initial public offerings and other market developments. (For example, China Life Insurance at one point became the second largest insurance company in the world in terms of market capitalization although the value has kept declining since the stock market peak of 2008.)

As of 2007, China had 100 insurance companies, 59 of which are domestic-funded and the rest 41 are foreign-funded. And five Chinese insurance companies including the People's Insurance Company of China, China Life Insurance, Ping An Insurance Company of China, China Insurance International Holdings Co., Ltd. (CIIH) and China Pacific Insurance have listed at home and abroad.

China Life Insurance had about a 50% share of the life insurance market; Ping An Life Insurance and Ping An Property Insurance share 16% and 12% of corresponding insurance markets, respectively ranking 2nd and 3rd.

Chinese insurers namely China Life Insurance, Ping An Insurance, People's Insurance Company of China and China Pacific Insurance were the first wave of insurers to go public. In December 2011, New China Life began a second wave of IPOs for smaller tier 2 insurers.[1]

In Jan-May 2007, the increased insurance assets reached RMB 450 billion, without calculation the value-added of substantive financial assets. At present, the gross assets of China Life Insurance have outnumbered RMB 1 trillion. And the total capital of the whole insurance industry has exceeded RMB 200 billion, 5.6 times that of 2002.

During the first three quarters of 2009 China's insurance companies had generated profits 36.9 billion RMB of which the seven largest insurers accounted for 90% of these profits.

Despite all this growth the industry is still considered in its infancy stage when looking at China's insurance penetration compared to its peers in the rest of Greater China and Asia
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