新形式下汽车保险理赔减损策略

Car insurance claims detract from strategy under the new form

保险业是我国国民经济中的重要组成部分,在整个社会发展中起着举足轻重的作用。机动车辆保险多年来一直是各财险公司的龙头险种,但由于保险公司内部和外部因素的影响,其赔付率一直居高不下,长期下去必然要影响到保险业的健康发展。保险公司自身如何在机动车辆保险业务中,坚持增速与效益并重,加强经营风险管控,从理赔服务的角度减损,降低赔付率,对于公司提高自身的经营效益有着十分重要意义。因此,研究车险理赔减损的策略,体现车险理赔服务在公司经营中的价值增值,是值得我们探讨的重要课题。

Insurance is an important part of the national economy, plays an important role in the whole social development. Motor vehicle insurance over the years has been the leading insurance company is planted, but due to the insurance company intemal and extemal factors, it has been high loss ratio, long term is bound to affect the healthy development of the insurance industry. How the insurance companies themselves in motor vehicle insurance business, both on growth and benefit, to strengthen the management risk control, from the Angle of the claims service loss, reduce the loss ratio, for the company to improve their management efficiency has a very important significance. So the car insurance claims loss strategy, embody the value of auto insurance claims service in the company＇s business value, is an important issue worthy of our study.