On the 18th, Chen Zhiqiang, deputy deputy secretary-general of the Beijing Insurance Association, revealed in the “Beijing Auto Insurance Innovation and Development” forum that the city’s insurance industry will establish innovative measures for the “Easy E Compensation” mechanism for Beijing’s road traffic accidents and accelerate the public car insurance claims. Process.
In 2007, the Beijing Insurance Regulatory Bureau and the Beijing Municipal Traffic Management Bureau jointly launched the “Fast and Fast Compensation” mechanism, which effectively alleviated the role of Beijing's road traffic pressure. At the same time, the average closing period for auto insurance claims in Beijing has dropped from 34 days in 2008 to 20.6 days now.
Chen Zhiqiang said that as an upgraded version of the "faster fast compensation", in the "fast E-compensation" mechanism, auto insurance claims will be upgraded from the past "fast processing" to "online processing."
“The scope of cases handled quickly in the past was mainly limited to simple cases in which both parties reached a consensus and agreement, but this part of the case only accounted for one-third of all auto insurance claims, far from being able to make most auto insurance claims fast. Processing needs." Chen Zhiqiang said. And relying on the video capture provided by the Traffic Management Bureau, the car insurance mobile APP software, 122 alarm station, the insurance industry can quickly set up a large number of inconsistent cases.
According to reports, the Beijing Road Traffic Accident "Easy E Compensation" mechanism working group has been established and will launch the corresponding platform as soon as possible. At present, it has reached cooperation with the Beijing Municipal Traffic Management Bureau. Specifically, after a traffic accident occurs, the relevant image information will be submitted to the “Traffic Accident Rapid Processing Information Interaction System” in time for the public security traffic control department through the existing road public security video surveillance equipment or the self-photographing method of the traffic accident party. And insurance industry inquiries, downloads.
In addition, using the mobile APP software and other means, the "fast E-compensation" mechanism can also update the auto insurance claims process, such as the verification of losses, repairs, payment of indemnities, service return visits, etc., and promote the rapid disposal of the relevant links from "responsibility" to The entire process of car insurance claims.
With the popularity of the mobile Internet, mobile Internet access has become a great tool for the innovation of auto insurance claims services. Longquan, the person in charge of Ping An Property Insurance, introduced yesterday that the company will launch an auto insurance claims service using the Internet crowdsourcing model, recruiting claim volunteers with certain professional experience, and providing compensation proposals for nearby vehicle accidents.
In addition to the innovation of the auto insurance claims process, the city's auto insurance rates will also be innovated.
“Let the low-risk policyholders bear the risk of high-risk policyholders, and let most consumers bear the premiums of a small number of consumers. It is obviously unfair and reasonable. We will promote the risk and rate-linked auto insurance rate floating mechanism.” Beijing The relevant person in charge of the Municipal Insurance Regulatory Bureau revealed yesterday that the city will consider promoting safe driving through premium price leverage. For example, refer to foreign premium pricing factors based on usage habits, and install relevant monitoring equipment on vehicles, for sudden braking, emergency fueling, etc. Driving habits, adjusting the insurance rate of specific drivers and other means.

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