Car insurance has become the most dangerous insurance, and this type of insurance has always left consumers with the impression that it is difficult to make claims. Since last year, the Beijing Insurance Regulatory Bureau has publicized the auto insurance claims assessment indicators of various insurance companies on a quarterly basis to urge insurance companies to improve the quality of auto insurance claims. Recently, the Beijing Insurance Regulatory Bureau disclosed that the closing period of the Beijing Insurance Auto Insurance Claims Evaluation Index was 18.3 days last year, which was 5.2 days shorter than that of 2013; the settlement rate was 88.5%, which was 9 percentage points higher than that of 2013.
Every quarter, the auto insurance claims assessment indicators of various property insurance companies have become a routine work of the Beijing Insurance Regulatory Bureau. The published evaluation indicators include the closing cycle and closing rate, the small case closing cycle, the commitment completion rate, the adequacy of the fixed loss personnel, and the filing complaint rate.
The closing and closing rates of the statistics for 2014 increased year-on-year, and other evaluation indicators also improved. According to the Beijing Insurance Regulatory Bureau, compared with the third quarter of 2014, the completion of the fourth quarter, the completion of the non-personal injury case under 5,000 yuan, and the adequacy of the certificate holders continued to improve; the settlement rate and commitment rate The two indicators were stable at a higher level, while the complaint rate was also reduced.
The so-called closing cycle refers to the average period in which an insurance company handles claims. The shorter the time, the higher the efficiency of its claims service. In the statistics of the settlement cycle, the final settlement period of Anbang Insurance North Branch was 11.1 days, followed by Sunshine Insurance North 11.5 days, Dubang Insurance North was 11.8 days, and the last three companies were respectively An Insurance North Branch, Huaan Insurance North Branch, and Bank of China Insurance North Branch, the closing cycle was 36.3 days, 30.2 days, 29.7 days. The average car insurance closing period of the 35 insurance companies in the calculation was 18.3 days.
There is also a big difference in the closing cycle of the auto insurance “Lao Sanjia†in Beijing. For example, the life insurance settlement period is 18.2 days, the Taibao is 21.1 days, and the security is 15.3 days.
Judging from the settlement rate indicator, the average settlement rate is 88.5%. Among them, Ping An, Taiping, Dadi, Anbang, Hyundai and other insurance companies have a car insurance settlement rate of over 90%. However, the settlement rate is greatly affected by the seriousness of the person's injury in the auto insurance case and cannot fully reflect the service level of the insurance company.
To this end, the Director of the Property and Casualty Department of the Beijing Insurance Regulatory Commission, Ma Wei, also explained that in the past, only the completion cycle and the settlement rate were not able to meet the overall needs of consumers. Through investigations, consumers were most concerned about auto insurance claims, thereby increasing The above-mentioned multiple indicators allow consumers to examine the quality of claims service of insurance companies from multiple dimensions, and make reference for the choice of insurance. In the closing of the newly added case of 5,000 yuan or less in the last year, Sunshine Insurance's northern score was 8.8 days.
Judging from the commitment completion rate, the vast majority of performance commitments performed well, with an average of 97.9%, of which Dubang Beifen, Sumitomo Sumitomo, and Volkswagen all reached 100%. Judging from the complaint rate, the average complaint rate is 0.55%. Compared with the first half of last year (the auto insurance complaint rate was 0.37% in the first half of last year), it became the only growth indicator among the six indicators. Overall, the complaint rate indicators of various companies are quite different. Among them, the complaint rate of Ancheng Beifen is 9.86%, ranking first, and Min'an North ranks second, 6.47%. Then, Anhua Beifen and Huanong The complaint rate indicators of Beifen and Bohai North were 4.26%, 2.98%, and 2.12%, respectively. The complaint rate index of Volkswagen Insurance, Sumitomo Mitsui, and Sino-Italian Property Insurance is zero.
Ma Wei pointed out that "the industry average publicity can make consumers see at a glance the difference between different claims service indicators of various companies, so as to make a choice. For the industry, the average level is also a measure of measurement, we will also urge Each indicator of each insurance company has reached an average level, which has pushed the entire industry from front-end price competition to back-end service upgrade."
Although the company that has poor quality of auto insurance claims has not yet issued relevant regulatory policies, if a company’s closing cycle is too long, and the industry’s average value deviates greatly or the complaint rate remains high, the Beijing Insurance Regulatory Bureau will increase the on-site inspection. Found its problems and asked for rectification.
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