汽车保险理赔毕业论文—车险人伤理赔过程中存在的问题及对策.doc

毕业设计（论文） 题 目： 车险人伤理赔过程中存在的问题及对策 系 （部）： 专业班级： 姓 名： 学 号： 指导教师： 2011 年 5 月 20日摘 要 随着汽车工业的快速发展，车险理赔也成为保险公司的主要业务。汽车保险具有基数大，流动性强，出险概率高，对人身安全危险性高等特点。汽车保险理赔具有一套相对成熟的理赔方案和流程，对出现车辆第一时间进行查勘定损，在较短的时间内对出险的车辆进行定损修复，将赔款尽快赔付给客户。往往会出现较大的事故，涉及金额较大，涉及人身伤亡的案件，相对处理较为困难。经统计，累计车险人伤案件量占车险总案件量约11.78%，累计车险人伤赔款占车险案件总赔款约27.58%。数据表明，人伤案件相对其它案件而言具有数量少,但案件均赔付金额高的特点。由于人伤案件的赔付与人民生活等相关统计数据 Abstract With the rapid development of automobile industry, the insurance company has become a major business.?Car insurance has large base, strong liquidity, dangerous condition with high probability, and high risk to personal safety features.?Auto insurance claims have a relatively mature programs and processes claims for the first time survey of vehicles set loss in the short period of time set on the dangerous condition of the vehicle damage repair, the indemnity paid to the customer as soon as possible.?Tend to be greater in the accident, involving an amount greater in cases involving personal injury, and the relative treatment more difficult.?The statistics show us, the cumulative injury cases, auto insurance on a auto insurance accounts for about 11.78% of total cases, the cumulative total auto insurance auto insurance claims cases of people injured approximately 27.58% of total compensation.?Data show that cases of human injury in terms of a relatively small number of other cases but the cases are claim paid is high.?The loss of cases because it cuts life and the people closely related to statistical data, and the difficulty of the claim settling in, the amount of compensation are relatively large, on the surface is relatively strict requirements.?On the people?injured?in?auto insurance?claims, this article?from the?wounded, medical units and so?discovering, analyzing?and solving problems. On the people injured in