Motor Insurance Claims to "low carbon"
"Low carbon", "green" and is the most popular and stylish contemporary terms, almost every industry have begun to talk about "low carbon" and "green", the insurance industry is no exception. Many insurance companies have been offering paperless office, e-policies, charging survey vehicles and other "low carbon" initiatives, these ideas and practices are indeed worthy of promotion, but the insurance industry is the third in the financial services industry, is itself a high degree of low-carbon industries operating in their own areas to improve the implementation of low carbon technology, not the potential to be tapped. Therefore, in the insurance industry to "low carbon", the business must be in their area to find a breakthrough. So, let us focus attention on the auto insurance claims.
Motor Insurance Claims birth resource leakage
Automobile Insurance Claims to "low carbon"
In recent years, with the auto insurance market competition becomes more intense and continuous expansion of the public rights awareness, customer auto insurance claims, particularly the loss of part of the requirements set higher and higher, some even beyond the reasonable range. In the course of the accident damage car fixed, the customer is often only requires replacement of damaged parts, even if you can fix, and after the repair does not affect the performance and longevity, the customer will usually repair recommendations to the insurance company ignored, or even someone with "claims is difficult," crown of. The insurance company customers to maintain and safeguard the image and credibility, have to make compromises, agreed to replace the fixed loss claims. This emergence of such a phenomenon: the "no insurance to repair the repair of vehicles, vehicles with insurance for the change" resulted in the bumper as a small dent and thrown away, too expensive cylinder a small crack and scrapped. Increase in claims costs to insurance companies the same time, resulting in leakage and waste tremendous resources, but also to the adverse environmental impact.
The implementation of "low-carbon claim" tripartite win
View of the existence of Automobile Insurance link resource leakage, the insurance companies promote "low carbon" management should first start from here, in part through the loss claims be "low carbon" concept, implementation of the "low-carbon claim" innovation claims model, taking into account the Fangli Yi, and ultimately customers, insurance companies and social tripartite win. Specific measures, I think mainly the following aspects:
First, strictly enforce the standards for repair.
Will be seriously damaged during the check, "to the repair-based, can be revised without changing the" principle, in the maintenance of quality assurance, technical indicators and the premise of the safety factor, repair parts can be damaged as much as possible in accordance with the repair of nuclear price. Only technically beyond repair, restoration and repair of security does not allow more than the price change the price, etc., to replace the fixed loss. Meanwhile, insurance companies should further clarify the criteria for repair, so the standard is more specific, detailed, with realistic operational and clear scientific basis, and will set the standard in the loss, or even inform the client before undertaking to seek customer’s understanding and support. In addition, insurance companies should strive to improve the professional quality will damage and skills, improve review and oversight mechanisms set loss, damage process on the set performance standards for repair strict supervision and inspection, to ensure the effective execution.
Second, strengthening the "low carbon" concept propaganda.
Insurance companies vehicle insurance claim process to strengthen the "low carbon", "green" concept promotion, so that customers will understand the loss of vehicle maintenance, unnecessary replacement of a component, not only would increase claims cost insurance companies more important thing is a waste of resources throughout society, affecting the survival of the human environment, harm to the customer’s own and future generations. At present, this idea from some extent, has gained, in society, there on the first environmental Zhao strong sense of the people, so from that perspective Shuifukehu, so that idea of Zhi Gaibian the repair, should Nenggoushoudao Jiao good results.
Third, strengthen cooperation and collaboration repair business.
Be damaged in the accident vehicle repair, replacement parts strongly advocated a major reason is the quality of the performance after the repair there is fear, and the insurance company is unable to provide quality assurance. This need to strengthen coordination and writing repair shop, win-win cooperation through the establishment of mechanism for repair works from a technical point of view to convince customers that the feasibility of repair or even replacement of the adverse effects, so that customers understand not change necessarily superior fixed effect, for example, sheet metal car around the side to replace the whole body after the stress and structure will change, thus affecting the overall performance of the body, while the repair would not produce such effects. Repair shop to the identity of a third party, from a technical point of view to persuade the customer receptive, easily convinced, thereby reducing unnecessary disputes. In addition, the use of repair shop to provide customers with the technology after the repair guarantee, you can lift the worries of customers, making it more receptive to rehabilitation.
4, effective control of parts salvage.
Insurance company to strictly implement the standard deduction salvage parts, under the circumstances to determine the old pieces of flexible discounts, discounts on accessories for play to salvage the leverage of repair, for replacement parts are still repairing the old value, in strict accordance with the actual prices charged residues value, to avoid the owners profit, therefore, to some extent, replacement parts against customer enthusiasm. In addition, some insurance companies for recovery of accessories, insurance companies should be established sales channels, to avoid all waste disposal according to the actual value through normal channels into the maintenance market, then it will offset against the claims costs, and avoid wasting resources. But only the old parts will not be deceived into the hands of those lost, as a tool for insurance fraud.
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