·Beijing will achieve 90% traffic accidents in 2015

The reporter learned from the Beijing Municipal Traffic Management Bureau and the Beijing Insurance Industry Association that at present, the “Quick E-Pay” (tentative name) system jointly created by the two departments is in the process of research and development, and will be put into use as soon as the end of this year. . By then, not only can more than 90% of traffic accidents be quickly repaid, but traffic congestion in Beijing due to traffic accidents will be greatly reduced.
Maximizing Convenience in Accident Claims Traffic jams can be one of the biggest worries for every car owner, especially when you need to hurry. However, in the future, traffic congestion in Beijing due to traffic accidents will be greatly reduced.
“We have set up a working group and the research work is underway. It is expected that the “Easy Loss” system will be put into use before the end of this year.” On the 18th, the “Beijing Auto Insurance Innovation and Development” Forum, Beijing Insurance Industry Association Chen Zhiqiang, vice president and secretary general, told the Securities Daily reporter.
The “fast compensation” system must be built on the information sharing mechanism, that is, the Beijing Insurance Regulatory Bureau, the Beijing Municipal Traffic Management Bureau, and the Beijing Insurance Industry Association will promote the rapid processing of road traffic accidents by establishing a remote image information sharing mechanism. The parties to the traffic accident handle the insurance claims.
The traffic accident image information sharing mechanism refers to timely obtaining image information of traffic accidents in the administrative area of ​​the city through the existing road public security video monitoring equipment or self-photographing by traffic accident parties, and interacts with the “traffic accident rapid processing information interaction system”. "For the public security traffic control department and the insurance industry to inquire and download, the insurance company provides more convenient and quick claims services to the parties for accidents with image information.
According to Mei Bingsong, director of the accident department of the Beijing Traffic Management Bureau, the interactive system makes full use of remote imaging technology and has four terminals, which are connected to various aspects such as traffic accidents, traffic police systems and insurance companies. "Video capture technology guarantees the authenticity of the case, so that the parties to the traffic accident do not have to worry about the evidence that the traffic control department or the insurance company does not recognize the evidence after the car is moved. This will bring problems such as difficulty in making claims, and will prevent the car from happening as soon as possible after the accident. Congestion.” Mei Bingsong said that the parties to the accident can also upload photos of the accident through the APP. At the same time, Chen Zhiqiang pointed out that the application of the technology also puts the accident scene photos in front of the insurance claims process, and promotes the electronicization and standardization of the insurance claims process.
It is understood that the previous quick remuneration mechanism is mainly for the case where the responsibility for the accident is clear and the two sides have reached a consensus. Such cases account for about 30% of the total traffic accidents, and after the new technology is put into use, more than 90% of the traffic is used. Accidents can be quickly compensated, from the risk report to the alarm and the entire process of claims, can be completed online, to achieve electronic operations.
No longer use the paper policy in the traditional mode, you must have a policy to buy insurance, you also need to provide a policy when you make a claim, but with the deepening of the auto insurance reform, not only the claims no longer need a policy, but also do not need to print paper after the purchase of auto insurance The warranty is directly managed electronically.
This is the electronic management of auto insurance policies that Beijing is currently promoting. Policy electronicization is a green policy management method that saves printing costs, paper costs, shipping costs, etc., and does not require policyholders to manage the policy. It only needs to provide identification to make claims. A number of insurance companies, such as Ping An Beifen and Renbao Beifen, said that they would force the electronic policy to be launched and hope to launch it as soon as possible from the institutional level.
However, the electronic management of insurance policies puts forward higher requirements for the information management level of insurance companies. To this end, Beijing will formulate technical specifications for electronic insurance policies for commercial auto insurance, unified electronic insurance policy for claims, and determine the implementation plan for electronic insurance policies in the industry. In the first stage, two policy models coexist, and customers can choose paper or electronic commercial auto insurance policies. Lawyer Luo Shujian of the Bank of China Law Firm also reminded that the electronic management of insurance policies is a trend, but the information protection work of policyholders must be done to prevent information leakage incidents.
In order to improve the information management level of the insurance industry, the Beijing insurance industry will also strengthen the management of the authenticity of the information of customers, including the identification and identification of ID card information through ID card reading equipment during the insurance application; identification, uploading and verification of underwriting links The customer ID information ensures the authenticity and accuracy of the insured and the insured's identity information; the surrender link identifies and verifies the insured information to ensure the insured's funds are safe.
“There is also a big benefit in the collection and management of customer information, that is, insurance companies know who they are serving, better understand their demands for products and services and improve them.” Huatai Property Insurance Beijing Branch Manager Zuo Weidong said. It is understood that in the traditional 4S shop agents, intermediary agents and other auto insurance sales models, if the insurance enterprise customer information management is not in place, the insurance companies deal with the middlemen, a lot of useful information is blocked, which is not conducive to insurance companies to improve services.
Rate introduces "following factors"
Under the general trend of market-oriented reform of commercial auto insurance rates, Beijing will also deepen the reform of commercial auto insurance rates. The use of remote imaging technology and the promotion of electronic policy management systems will make the feasibility of multi-factors for commercial auto insurance rates. Stronger.
According to reports, since the implementation of the commercial auto insurance rate floating system in Beijing in 2010, most of the customers have enjoyed the benefits brought by the floating system, and the majority of car owners have gradually accepted the direct link between premium and vehicle insurance.
However, at present, the auto insurance rate is mainly linked to the number of accidents of vehicles, and the factors such as the nature of the accident and the amount of compensation have not been linked. In the next step, Beijing will deepen and improve the floating scheme of commercial auto insurance rates, and explore ways to increase the vehicle model and violation records. The floating coefficient of the vehicle and the accompanying factors, such as the amount of compensation, further leverages the auto insurance rate to reduce traffic accidents and protect the legitimate interests of most consumers.
The industry believes that the advancement of these reforms is inseparable from the cooperation between the insurance industry and the Beijing Municipal Traffic Management Bureau, and the support of remote imaging technology. Therefore, there is a lot of room for cooperation between the two sides to jointly promote the insurance industry to play a greater role in social management, and also provide technical support for further promoting the market-oriented reform of commercial auto insurance rates.

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