Analysis On Automobile Insurance Claims Services Issues In China

Automobile insurance refers to various kinds of vehicle due to the automotive vehicle accident safety accident or natural disaster caused by itself and the relevant people property interests loss, at the same time, to a reasonable fee, the relevant measures to reduce losses and taken to undertake in addition, is related to people in the accident to the third party caused by the loss of property interests of the insurer in accordance with the law should bear corresponding civil liability to pay compensation. With the increasing number of vehicles, traffic accident caused personal injury and property loss also increases along with it, to social security management in our country has brought some trouble. Although all the countries in the world take a variety of related regulations and measures, however, the use of cars to people’s life and property safety brought many uncertain factors, also drew attention to the emerging field of automobile insurance.The spirit of auto insurance claim system America established reflects the country "free, open, competitive" countries, it can be said that the strongest competitive power in the global scope. America auto insurance claim payment system, accident each responsibility directly affect the compensation results, such as the king Su Xia (2006) in Europe and the United States automobile insurance claims "scan" a text that "most of the States USA pursue" accident responsibility is greater, the higher the burden "principle, every traffic accident will be registered, and in these records as the party a fundamental basis for future car insurance pricing, which is considered unique America automobile insurance claims in practice.In recent years, with the rapid development of China’s automobile industry, provides an opportunity to the rise of China’s automobile insurance. The auto insurance industry as an emerging industry developing, have very good development momentum, however, from a certain level also exposed some problems of China automobile insurance claims in the operation, such as automobile insurance claims disputes, fraud, payment rate is too high. This makes the insurant and the insured in the processing of auto insurance claim process may suffer unnecessary losses, in addition, is not conducive to the healthy development at the initial stage of development of the auto insurance industry, especially in the process of auto insurance claims processing, car insurance unit service mode exists many insufficient. These problems seriously affect the motor insurance industry of China’s development and perfection.In abroad,there are amount of motor vehicle insurance claims units,and they claim services division of labor is very good,insurance units with external units in considering then-own interests at the same time, in order to be able to let consumer satisfaction, very pay attention to the cooperation and resource sharing.Compared with European and American developed countries, motor vehicle insurance industry slightly backward in our country, but not in obvious disadvantage.The difference is that the whole car insurance industry service concept is different, and not depend on the size of the enterprise.Theory, the history of development of the insurance industry for a long time, the European and American developed countries is a very early start, or claims in respect of the business has a mature system.These outstanding insurance concept study is well worth our using for reference, combining the concrete situation in our country, gradually explored a set of insurance system which accords with the situation of China.This paper first briefly introduces the automobile insurance claims services research background, significance and results, then, elaborated the automobile insurance, automobile insurance claims services related concepts, on this basis, there are detailed analysis of the current status, the mode of the automobile insurance claims service and car insurance claims process problems and enlightenment, domestic and foreign automobile insurance claims services bring to us finally, in view of the future trend of development and change of China’s automobile insurance claims service industry and puts forward some opinions and suggestions.