Design And Benefit Analysis Of New System Of Auto Insurance Claim

The insurance industry of China has been in existence for over 30 years since the Reform and Opening-up. The development model of the insurance industry is changing from the extensive, homogenized competition to the connotative, differentiated competition. The insurance claim and customer service are the red line of realizing the value of a property insurance company and the claim cost is the biggest and the most important expenditure. Almost every property insurance company is under great pressure of fierce market competition, controlling cost and making profit as a result of the rise in the price of spare parts, the improvement of wounding standards, insurance fraud and other reasons. In consideration of the long-term development of the business of auto insurance of property insurance companies, therefore, it must change the old distributed and extensive management mode and build an effective intensive platform.Based on the intensive platform construction mode, this paper is to achieve the risk control of key nodes in the auto insurance claims and provide service that meets customers'needs and suits their consumption habits in order to form the core competitiveness of a company through detailed design of resources, process, structure and new technologies, and the intensive platform integrating claims of manpower, material resources and financial resources to optimize the business process of settling claims. First, this paper clarified the content and significance of the research, which are the dilemmas of domestic auto insurance claim and the appeal of the property insurance companies to establish an intensive mode. Second, this paper stated the claim patterns of domestic auto insurance and their existing problems in detail. Meanwhile, it summarized the advanced experiences and practices of foreign auto insurance claims. The third one is the application of new technologies. With the increasing development of telecommunications and internet, new technology played an irreplaceable role in intensive system construction, which can exert great influence on promoting intensive process and benefit. Fourth, combining with the current situation of domestic auto insurance claims, this paper separately argued the organization structure, reimbursement process, standardized construction and performance appraisal of an auto insurance claim intensive system. Fifth, it concluded the new system of a claim intensive platform and demonstrated how to optimize the claims process, operational efficiency, customer satisfaction, and the risk control.