Overview of compensation for car insurance personal injury cases
In 2015, a property insurance company insured 3976 auto insurance cases; in 2016, traffic accidents were 4025; in 2017, the number of auto accidents was 4,418 (from a property insurance data, consistent with the internal statistics of the insurance company’s claims center). The total number of auto insurance cases has been rising over the past three years. In addition, from 2015 to 2017, the amount of auto insurance claims increased from 17,046 yuan to 21057 yuan, an increase of 23.5%, a larger increase. In the past three years, the personal injury compensation ratios accounted for 18.53%, 19.46%, and 20.34% of the total auto insurance claims, respectively, and the overall increase continued to rise.
(II) Situation of litigation cases
Claims are related to operations in accordance with auto insurance accidents. In this process, related lawsuits caused by differences in compensation often occur, or there are claims disputes arising from the amount of compensation that cannot meet the requirements of the insured, 2015- In 2017, the number of personal injury lawsuits was 366, 389, and 417, and the number of personal injury lawsuits continued to rise.
(3) Complaints about personal injury claims
In the case of personal injury, customers have higher requirements for claims, and claimants who process various claims are also vulnerable to customer complaints. In 2017, the insurance company’s claims center complained about three major personal injury claim services: the amount of human injury losses (135 years, 23.19%), the collection of documents (117 years, 20.09%), and the duration of claims (88 cases, (15.08%).
(IV) Limitation of claims for personal injury
From 2015 to 2017, the insurance company’s stipulation on the limitation of claims is based on the 30th of a month, and the settlement rates are 35.65%, 37.32%, and 38.44% in turn; the settlement rate is in the order of 90 days. They were 72.36%, 73.74%, and 74.65%