Research On The Effect Of Claim Settlement In Auto Insurance:

Since 1996,China's rapid economic development,China's auto ownership increased by 14.6%per year.Good economic development,while promoting the needs of the car,but also to promote the rapid development of auto insurance in the past 17 years.However,after the rapid development of China's auto insurance business,there have been "objective problems such as the" re-development of heavy and heavy claims ",which directly lead to the fact that auto insurance claims can not fully meet the actual needs of the insurance industry.The problem of car insurance claims" has become a motor vehicle Insurance business in the prominent problem,the insurance consumer awareness of a serious decline in car insurance,the decline in the credibility of the auto insurance industry,not only caused a high degree of concern in the industry,but also attracted the attention of the China Insurance Regulatory Commission,the importance of car insurance claims more and more prominent TheIn China,especially in big cities,people's lives become richer,more and more human rights awareness exists.In this context,taking into account any legal protection,the idea that victims of motor vehicle accidents seek legal aid should have begun to become increasingly important.For this reason,China in 2004,the unified promulgation of the "Road Traffic Safety Law" in the final decision to formally compulsory car insurance.However,China's auto insurance history is very shallow,because it is still not enough in the law itself,in China it forced the car insurance system to win.But the main problem of auto insurance is still in the claims,the claims system based on the victims of the car accident can get enough relief,but it should be noted that the claims system is still a lot of problems exist.This article will analyze the content of the system in the context of the terms and conditions of compulsory car insurance in China.On its issue,it is pointed out that the importance of the claim in the auto insurance and its effect.This article first uses the literature research method,finds out the professional person to the car accident injury claims,supports this research method and the viewpoint.Second,the use of the investigation of the insurance company's customers,employees(sales staff,post-claimants),cooperation channels to make a questionnaire.And then the research on the basic theory of car injury claims is carried out.On the basis of literature review,this paper puts forward the customer satisfaction,service quality,conversion cost and corporate image as the main factors influencing customer loyalty.From the car insurance claims the status quo in the absence of professional claims,personal injury claims internal management costs are high,auto insurance injury claims practice status,hospital and the injured there are excessive medical behavior,part of the insured,beneficiaries or insured There are shortcomings and research prospects,put forward their own next research ideas,analysis of the introduction of claims should pay attention to what the details.