Dalian Safe Auto Insurance Underwriting And Claims Issues And Countermeasures

Thanks to the adjustment of vehicle insurance by China Insurance Regulatory Commission, Ping'an Property Insurance Company has been developing rapidly. Ping'an Property Insurance has occupied the second place regarding vehicle insurance, and its percentage of increase ranks the top among all the insurance companies in Dalian. Nevertheless, great loss exists, and the profit is unsatisfactory. Therefore, it's of common significance to take Ping'an Property Insurance as an example to conduct analysis and research.Many problems come into being as the vehicle insurance of Ping'an Property Insurance Company is developing at a fast rate. At the stage of underwriting, the informationization is very disadvantaged, the accumulation and management of data is ineffective, and the information sharing system is undeveloped. What is more, illegal operation and oversimplified rechecking exist in the process of underwriting. As for claim, such problems as the lack of instruction to the insured, overcomplicated examination and approval, untransparency, and the lack of professional quality of surveyors. These problems result from either subjective or objective causes. These problems will not only have bad impact on the operation of Ping'an Property Insurance, but will do harm to the sustainable development and reputation of the company.In order to realize better development and perfection of the vehicle insurance, Dalian Ping'an Property Insurance Company should take corresponding measures to improve the management of vehicle insurance underwriting and claim. So as to promote the healthy development of Dalian Ping'an Property Insurance Company, a charging rate standard system should be established, the large-sum risk reinsurance system and the vehicle insurance claim management should be improved, and the claim should be accelerate.