Causes And Countermeasures Of Operating Truck Insurance In Gao’an City Of Jiangxi Province

In recent years,freight insurance industry has developed rapidly under the impetus of the prosperity of the freight market,and has a very broad market prospect.However,due to factors such as high compensation ratio and lack of supervision,the quality of insurance business of operating trucks continues to deteriorate,and problems such as difficulty in insurance and confusion in claims settlement frequently occur in the insurance market,which leads to severe tests and even frequent refusal of insurance when underwriting operating trucks.As the "capital of automobile transportation and logistics in China",Gao’an city is deeply trapped in the dilemma of high price bundling of operating truck traffic compulsory insurance and commercial vehicle insurance,and preferential underwriting of vehicle insurance business.On the "March 15" consumer rights day in 2021,Jiangxi satellite TV issued two consecutive reports on Gao’an operating truck insurance,pushing the Gao’an operating truck insurance market to the forefront of the storm.At present,the underwriting willingness of Gao’an property insurance company is in a downturn,many operating trucks cannot be transported normally due to the delay of insurance coverage of compulsory transportation insurance.Truck drivers set up an insurance long line at the door of the insurance company because they are unable to purchase vehicle insurance,which seriously hinders the development of the local automobile transportation logistics industry and social security order.Therefore,how to resolve the intensified contradiction between the insurance company and the transportation companies,stabilize the current mood of the automobile logistics companies,and let insurance protect the development risk of automobile logistics industry in Gao’an city has become the first difficult problem to be solved by Gao’an municipal government.On the basis of consulting the relevant literature at home and abroad,this thesis made a field investigation on the difficulty of insurance for operating trucks in Gao’an city.The research content includes the underwriting status and business problems of operating truck insurance of property insurance companies in Gao’an City,as well as the insurance problems of automobile logistics companies,fleet management policies and vehicle safety operation status,etc.Then,by inducing and sorting the research data,the crux of operating freight insurance was summarized and analyzed in Gao’an City,Jiangxi Province.According to the local survey results of Gao’an City,we found that the current operation of freight insurance is far more than the problem of low insurance willingness of insurance companies.The chaotic market of traffic safety co-ordination companies,the mercenary insurance black property intermediaries,the proliferation of insurance claim fraud,and the continuous judicial litigation of vehicle insurance have been also impacting this already fragile market.Therefore,to solve the risk problems existing in the current operating truck insurance in Gao’an City,we conducted in-depth research,and exchanged and discussed with various insurance companies,government departments of Gao’an city and local automobile transportation and logistics industry associations.Meanwhile,the results showed that the main causes of the current operating truck insurance in Gao’an city were as follows:(1)High accident rate caused by irregular operation of automobile transportation logistics under the influence of freight market competition;(2)Unreasonable relationship between the independent pricing coefficient derived from the comprehensive reform of auto insurance and the discount coefficient of various regions;(3)Compulsory traffic insurance beyond income due to the high compensation and high cost of operating truck insurance;(4)Chaotic insurance market caused by the poor supervision of the traffic safety coordinating company;(5)Backward intelligent anti-collision networking technology of trucks cannot effectively prevent adverse selection caused by asymmetric information;(6)The absence of out-of-court mediation mechanism for insurance disputes leads to the continuous accumulation of judicial cases,etc.Herein,building on the actual insurance problems and research results of automobile logistics in Gao’an city,this thesis firstly solved the current insurance risk of operating trucks in Gao’an city from the perspectives of government,supervision,science and technology,intermediary and mediation mechanism.A series of solutions,such as optimizing the insurance claim settlement environment,governing and regulating black property intermediaries and nonstandard fleet operation,Protecting multiple interests through scientific and technological empowerment,improving the logistics insurance platform,building and expanding insurance paths,and jointly building a mediation mechanism for insurance disputes outside litigation,were also recommended.Finally,multi-level optimization and improvement of Gao’an operating truck insurance market and establishment of a new joint insurance model were proposed.In summary,in the face of the new round of comprehensive reform of vehicle insurance and the dilemma of insurance difficulty of operating truck insurance all over the country,this study closely focuses on the current situation of local economic and industrial development in Gao’an City,and aims to "worry about the government and the people".The key problems in the development of operating truck insurance in Gao’an City should be grasped and feasible solutions were put forward.According to the analysis of the field survey results and survey data of Gao’an City,the solutions proposed in this thesis may practically play a role in getting out of the business dilemma for the operating truck insurance in Gao’an city,and provide experience for the governance of the operating truck insurance market in Jiangxi Province and even the whole country.