Research On Optimization Of Auto Insurance Claim Cost Control Of Tianan Property Insurance Suzhou Branch

In recent years,with the development of my country's insurance industry,domestic property insurance companies' motor vehicle insurance premium income has increased rapidly.With the rapid development of motor vehicle insurance business,high claims costs have become an important factor restricting the healthy development of property insurance companies.This article takes Tianan Property & Casualty Insurance Suzhou Branch as the research object,and focuses on the research of claim cost control from the aspect of avoiding auto insurance fraud.On the basis of domestic and foreign research on auto insurance fraud and risk knowledge,this article focuses on the current status of auto insurance claims of Tianan Property &Casualty Insurance Suzhou Branch through a questionnaire survey,expounds the company's auto insurance claims work with insufficient professionalism and unsound organizational structure.At the same time,many internal and external reasons leading to the problem are analyzed.The article proposes that the key to the cost control of auto insurance claims of Tianan Property &Casualty Insurance Suzhou Branch is the prevention and identification of auto insurance fraud cases,and proposes from the aspects of building a leakage risk model,building a comprehensive and multi-dimensional claims control system,and using advanced information technology.Optimized measures for cost control of auto insurance claims,and summarized the guarantee conditions for optimization of auto insurance claims cost control from four aspects: personnel,organization,system,and technology.This study can effectively reduce the risk of auto insurance fraud by Tianan Property & Casualty Insurance Suzhou Branch,control the cost of auto insurance claims,and provide specific reference value for other insurance companies in the industry.