车险人伤成本水分成因及管控举措研究

车险人伤成本占整体比重逐年攀升,已成为财产保险理赔业务中最难掌控的部分。能否有效管控人伤成本遏制其中"水分",直接影响保险公司的正常经营和行业的健康发展。本文探析人伤成本"水分"成因,并基于成因研究针对性改善思路,遏制虚假、虚高案件挤去成本"水分",进而提高保险公司车险经营效益,树立良好的保险公司、保险行业品牌形象。

The proportion of the cost of body injury in auto insurance has increased year by year, which has become the most difficult part of property insurance claims business.Whether we can effectively control the cost of human injury to curb the exaggeration directly affects the normal operation of insurance companies and the healthy development of the industry.This paper analyzes the causes of the exaggeration of the cost of human injury,and based on the thinking of the cause of the improvement,to curb the cost exaggeration of the false cases and inflated high costs,and then improve the efficiency of insurance companies"car insurance management,and establish a good brand image of insurance companies and insurance industry.