Research On Risk Influencing Factors In Motor Vehicle Insurance Claim

Motor vehicle insurance is the largest insurance business in property insurance.Motor vehicle insurance claims are more related to the operating interests of insurance companies.In recent years,with the substantial increase in car ownership,the scale of the auto insurance market has expanded rapidly,resulting in increasingly fierce competition in the auto insurance market.At the same time,the frequent occurrence of traffic accidents makes the work of auto insurance claims become heavy,resulting in various risk factors and increased uncertainty in the claims process.Therefore,how to scientifically identify the risk factors affecting the auto insurance claims link,reasonably transmit the information about the risk factors to the insurer and the insured,and how to prevent and resolve the risks in a timely and effective manner,so that the losses of all parties are minimized is not only an urgent problem for each insurance company,but also a problem that the majority of car owners need to pay attention to.Firstly,this paper shows the current situation of risks in auto insurance and auto insurance claims through knowledge map,and expounds the current development trend of auto insurance claims.Based on the existing research on risk management of auto insurance claims,taking P property insurance company as an example,this paper sorts out the operation process of auto insurance claims of P property insurance company,and focuses on the eight elements of COSO risk management to clarify the possible risk factors affecting each link of auto insurance claims.Using the expert investigation method and the analytic hierarchy process to qualitatively study the risk influencing factors in the claim link,construct the risk index of the auto insurance claim link,and evaluate the 16 risk factors that have a greater impact on the auto insurance claim.Combined with the fuzzy comprehensive evaluation method,the evaluation grade is set and quantified for the risk influencing factors,and finally the comprehensive evaluation results of the risk influencing factors of the auto insurance claims are obtained.Then this paper uses the Likert scale to design the questionnaire and distribute it to the car owners who purchase auto insurance.Finally,according to the risk assessment results and the feedback results of the questionnaire,the corresponding prevention suggestions are put forward,such as : establishing the integrity supervision mechanism of the insured,creating a new joint operation of the auto insurance platform,applying artificial intelligence technology,strengthening the risk assessment ability,and improving the risk early warning mechanism.The purpose of this paper is to ensure the insurance needs of policyholders and reduce the economic losses brought by risks to insurance companies,so as to put forward reasonable suggestions for the risk prevention mode of insurance companies,and provide some reference for the sustainable and healthy development of insurance companies and the reduction of vehicle risks for car owners.