Is the insurance company's auto insurance underwriting position good, and what is the specific treatment?

Insurance underwriting refers to the process that the insurer examines the application for insurance, decides whether to accept the underwriting risk, and determines the insurance rate when accepting the underwriting risk. In the process of underwriting, underwriting personnel will give different rates according to different risk categories of the subject matter to ensure the quality of business and the stability of insurance operation. Underwriting is the core business of underwriting business, and underwriting part is the most critical step for insurance companies to control risks and improve the quality of insurance assets.

Automobile insurance underwriting process:

Risk inquiry and analysis, according to the medical examination results of the insured, photos of the insured vehicle, photos of the insured property before insurance and insurance demand, judge the risk level and determine whether it can be underwritten, determine the charging standard, write the underwriting scheme, review the insurance information, review the insurance contract and issue the insurance policy. When it is necessary to change the insurance policy, analyze the application for correction, determine the content of the correction form, and issue an approval form.

The insurer is responsible for every insurance contract. If there is a contract that violates the underwriting rules and causes great losses to the company, it will bear more serious responsibilities. Must be experienced, careful, curious, understand the relevant information of all walks of life, and have certain knowledge of contract law, safety production law and medicine.

The main contents of auto insurance underwriting:

Underwriting includes two aspects: pre-risk selection and post-risk selection.

(1) Pre-risk selection is based on the risk selection of the exhibition industry, further analyzing and reviewing the underwritten targets, and determining whether to accept underwriting and its conditions.

(1) Applicant qualification

The core of the qualification examination of the insured is to confirm that the insured has insurable interests in the subject matter of insurance, and the auto insurance business is mainly completed by checking the driving license.

② Basic information of the insured or the insured.

The basic information of the applicant or the insured is mainly aimed at the fleet business. By understanding the nature of the enterprise, whether there is a safety management department, operation mode, main operation lines, etc., the insurance company analyzes the technology and experience of the applicant or the insured in vehicle management, finds out the possible operational risks in time, takes necessary measures to reduce and control the risks, and realizes scientific management.

(3) the credibility of the applicant or the insured.

In recent years, there have been a lot of insurance frauds in the field of auto insurance. Some lawless elements use fictitious insurance interests to create insurance accidents, forge accident scenes, expand accident losses and engage in fraudulent activities. Therefore, the investigation and evaluation of the insured or the reputation of the insured has gradually become one of the important contents of automobile insurance underwriting.

An important means to evaluate the reputation of the insured or the insured is to know their past losses and compensation. Those who frequently change insurance companies without reasonable reasons often have moral hazard.

④ Subject matter insured

As far as possible, the insured vehicles are insured by "vehicle inspection", that is, the actual inspection of vehicles is carried out, including understanding the use and management of vehicles, copying the driving license, purchasing the tax payment certificate of vehicles, wiping the engine and frame number, taking photos of some high-end vehicles and establishing vehicle files.

⑤ Insurance amount

The determination of insurance amount involves the interests of the insurance company and the insured, and is often the focus of dispute between the two parties, so the determination of insurance amount is an important content in automobile insurance underwriting.

⑥ Premium

The audit of insurance premium by underwriting personnel is mainly the audit of rate application and insurance premium calculation.

⑦ Additional clauses

Basic insurance and standard clauses provide protection for the generality of auto insurance, but individuals as risks have their own characteristics. A perfect insurance scheme should not only solve the common problems, but also solve the personality problems, that is, the additional insurance clauses apply to the personality problems of risks. Because particularity often means high risks, we should pay more attention to the special evaluation and analysis of risks in the application of additional clauses, and carefully accept and formulate conditions.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.