The Insurance Company underwriting process are broadly similar, largely through policy holders insured, including policyholders fill out the application form of insurance, to pay the premium;

Insurance companies, insurance contract signed, including underwriting, policy issued, issued by the premium receipt; loss insured, the insured to lodge a claim against the insurance company; insurance companies survey; to liability insurance, the insurance company to pay compensation, not to liability insurance, the insurance company refused to compensate the renewal process. This chapter focuses on car insurance business insurance, underwritingBasic business links, claims, other content in the later chapters.

　　A, insurance

　　(a) the applicant should pay attention to the problems in the process of

Due to the type of automobile insurance clause insurance companies introduced the kinds, different prices, so the applicant should pay attention to the following matters in the purchase of car insurance:

　　1Reasonable choice of insurance companies

The applicant should choose business organizations legally qualified insurance companies to buy car insurance. After sale service and products of auto insurance is as important, the insured in the choice of insurance companies, to understand each company service content and credibility, in order to protect their own interests.

　　2Reasonable choice of agent

The insured can also buy car insurance through agents. The choice of agent, should choose to have qualification certificate, exhibition card and insurance company signed a formal contract agent agent; should understand to liability and the rights and obligations of automobile insurance clauses in part, prevent the individual agents to exaggerate the security function, avoid the liability exemption clauses.

　　3Knowledge of automobile insurance content

The insured shall ask the car insurance purchase whether through approval of CIRC, seriously understand the terms, especially in terms of insurance liability, except responsibility and special agreement, the rights and obligations of the insured, calculating deductible or franchise, provisions for compensation procedures, surrender and depreciation. In addition, attention should be paid to auto insurance rates and the China Insurance Regulatory Commission approval rates consistent preferential rates, understand the provisions of the insurance companies and the provisions of the no claim discount. Usually the more comprehensive product liability insurance, the insurance premium is relatively high; the product liability insurance premiums are lower and less.

　　4According to the actual need to purchase

The insured car insurance, should understand the risks and characteristics of its own, according to the actual situation to choose personal needs of the security risks. For auto insurance market existing products should be fully understood, in order to buy for their own needs of automobile insurance.

　　5Other considerations for car insurance

(1) the use of insurance document and custody. The insured in the purchase of car insurance, should fill in the contents stipulated in the proposalform truthfully, made policy should check whether the content is fully consistent with the relevant contents of single. All of the insurance policy, insurance card, endorsement, the premium invoice and other relevant important documents should be kept properly, so as to provide basis for the claim at the time of the accident.

(2) inform obligation. The insured shall perform the duty of disclosure in the purchase of car insurance, to have a direct relationship with the insurance risk situation shall truthfully inform the insurer.

(3) to buy car insurance, shall timely pay the insurance premium, and in accordance with the provisions, fulfill the duty of the insured.

(4) the contract dispute. For the insurance contract disputes, consumers should be based on agreed to buy car insurance and insurance companies, in order to arbitration or litigation.

(5) the complaint. Consumers in the purchase of auto insurance process, such as the discovery of insurance companies or intermediaries misleading or sale without the approval of the car insurance and other acts, may file a complaint with the insurance supervision and administration department.

　　(two) the insurance company or agent shall provide reasonable insurance scheme

In the process of carrying out car insurance business, insurance company or agent should increase the content of the products, improve the service level of insurance company, insurance scheme is perfect for the applicant or the insured in the course of operations.

　　1The basic principle of the insurance scheme

(1) the full security principle: refers to formulate insurance scheme should be based on full and professional evaluation in the risk for the insured's, according to the risk understanding and the understanding to make insurance plan, goal is to maximize the dispersed risk insured by insurance approach.

(2) the principle of fair and reasonable: refers to the insurer or the agent should carry out the spirit of fair and reasonable in the process of making insurance scheme. The so-called rationality is to ensure that the provision is applicable and necessary, prevent unnecessary security. The so-called fairness should be reflected in prices, including the price related compensation standards and determine the deductible, which should be legal, but also accord with the law of value.

3) the full disclosure principle: refers to the insurer in the process of developing insurance scheme should be according to the relevant requirements of the principle of utmost good faith obligation to inform the insurance, the relevant provisions of the insurance contract, especially the possible adverse effects of regulations for the insured to the insured, to make detailed explanation. One of the important reasons for the auto insurance business disputes is the insurance company or agent for a variety of purposes, at the conclusion of the contract had not been adequately informed of the insured.

　　2 making the investigation before the insurance scheme

Before establishing the insurance scheme to deal with the insured or the potential to be a full investigation of the insurer, according to the findings of the analysis is the necessary prerequisite for making insurance scheme. The main contents of the survey:

(1) to understand the basic situation of enterprises, including the nature of enterprises, the scale, scope of business and management;

(2) understanding of the quantity, enterprise owned vehicle models and use, understand the condition, the quality of drivers, transport object, the vehicle management department etc.;

(3) understand the enterprise vehicle management, including safety management, safety management, safety input for management of the actual situation, the previous incidents and classification;

(4) the insured to understand the situation of enterprises, including insurance companies, insurance, the insured amount, period of insurance and compensation rate etc.;

(5) understand the enterprise motivation, to prevent reverse insurance and moral hazard.

　　The main contents of the 3 insurance scheme

The insurance scheme is put forward based on the risk assessment for the insured in the insurance proposal. First of all, should include the risk of the insured from the professional point of view of the identification and assessment. Secondly, put forward the general proposal insurance on the basis of risk assessment. Third, should explain the applicability of clauses, introduces the types and the necessary explanation of terms. Fourth, the insurer and the services they provide are introduced. The specific content:

(1) the insured situation;

(2) an insured risk assessment;

(3) general recommendation insurance scheme;

(4) insurance clauses and interpretation;

(5) the insured amount and determining the compensation limit;

(6) the deductible and application;

(7) compensation processing procedures and requirements;

(8) service system and commitment;

(9) related accessories.

　　Two, insurance underwriting

　　(a) fill in the application form

The insured buys insurance, first of all to the proposal is put forward, which completes the proposal, to the insurer. Insurance is the insured to the insurer for the insurance contract basis, but also on the basis of issue insurance policy. The basic content of a single insured: the insured name, label type, vehicle type, license plate number, engine number and frame number, use nature, tonnage or seat, driving license, the initial registration date, the insurance value, the loss of vehicle insurance amount determination mode, third party liability insurance compensation limit, additional insurance the amount or insurance limits, the total number of vehicles, the insurance period, contact, special agreement, the applicant signature.

　(two)

Underwriting is an important link in the business process of the insurance company. Underwriting refers to the professional and technical personnel of the insurance company to the insured for risk assessment, decide whether to accept the risk, and accept the risk in decision situations, decisions of the insurance conditions, including the use of terms and additional terms, determine the rates and deductibles.

1Underwriting significance

(1) to prevent the adverse selection, moral risk management of exclusion. In the course of business insurance companies always exist in an issue of information, namely the information incomplete, imprecise and asymmetry. While the principle of utmost good faith for the insured in insurance shall fully inform obligation. However, the information is incomplete and imprecise problems always exist in fact. Information problems in insurance market, may lead to the applicant or the insured's moral risk and adverse selection, potential huge risk to the insurance company. Establish underwriting system of insurance company, by a senior staff with expertise and experience to evaluate the risk of an insured, the risk assessment can maximize the information asymmetry problem solving, eliminate moral hazard, to prevent adverse selection.

(2) to ensure that the quality of service, realize the operation stability. Insurance is a special industry management risks, its stable operating conditions related to the social. The insurance company to realize the stable operation of the key, a link control quality underwriting is. However, with the increase in market supply subject of insurance in China, the insurance market competition is becoming increasingly fierce, the insurance companies in expanding the business at the same time, management risk is also increasing. The main performance is: one is to expand the business and the rapid expansion of business personnel, these new staff professional quality Co., unable to understand and control the underwriting quality; two is the insurance company to expand the share of the insurance market, and guarantees stable business relationship, relaxed business management; three is the insurance company in order to open up new business areas, developed some not mature new categories, signed some not after detailed demonstration of the insurance agreement, increased the risk factors. The insurance company through the establishment of underwriting system, the exhibition industry and the underwriting relative separation, the implementation of professional management, strict underwriting.

(3) expand the business scale, with the international practice. After China's entry into WTO, the insurance intermediary institutions abroad are entering Chinese insurance market gradually; at the same time, China's insurance intermediary agent strength is also growing, has now become an important force to promote the insurance business. See also the insurance intermediary is positive to expand the business, should also pay attention to its possible negative impact. Because of the difference of the insurance intermediary business objective and the value orientation of the personnel uneven, some good and some bad, the insurance company of business at the same time, make full use of the insurance intermediary institutions, with the insurance intermediary business to strengthen management, underwriting system is an important method for the quality control of intermediary business, establish and perfect the necessary condition of the insurance intermediary market.

(4) to achieve business objectives, and ensure sustainable development. Under the condition of market economy, an important condition for the development of enterprises is the analysis of the market, and on this basis to determine the business policy and strategy, including market positioning to the enterprise and choose the specific business and customers. Also in the development of Chinese insurance market, the insurance company to fight and win the initiative in the market, we must determine their own marketing principles and policies, including the main object to select the specific business and customers as their own development, to determine the various risk attitudes, principles, clauses and premium underwriting etc.. The main means of the marketing policy and policy implementation is the underwriting system, based on the control of risk selection and the function of underwriting system, insurance companies can effectively achieve its stated objectives, sustainable development and maintain business.

2The main contents of underwriting

(1) the applicant qualification. For applicant qualification review is to identify the core subject to insurance policy holders have an insurable interest, major car insurance business is done by checking the driving license.

(2) the basic situation of the applicant or the insured. The basic situation of the applicant or the insured is mainly for the team of business.

By understanding the nature of the enterprise, is a main line security, management, operation, analysis of the applicant or the insured to the vehicle management, technology management, insurance companies can find its possible risks in a timely manner, to take the necessary measures to reduce and control the risk.

(3) the applicant or the insured's reputation. The insured and the insured person's reputation is one of the key underwriting work. For the insured and the insured person's credit investigation and evaluation has gradually become an important content of automobile underwriting work. Evaluation of the insured and the insurer is an important means of credibility is to learn about its previous losses and compensation, those without reasonable cause, often "job hopping" Insured often exists moral hazard.

(4) the subject matter of the insurance. The insurance vehicle should be used as far as possible "vehicle insurance" approach, namely the test vehicle for the actual, including understanding of the use and management of vehicles, vehicle license tax fee certificate copy, the purchase of vehicles, rubbing engine and frame number, for some high-grade vehicles should also set up the vehicle files.

(5) the amount of insurance. Relates to the insurance company and the interests of the insured to determine insurance amount, is often the focus of dispute, so the insurance amount is an important part of automobile insurance underwriting. In the specific underwriting work should determine insurance amount according to the guide price set by the company car market. For the insured in accordance with the requirements of less than the price of insurance, be possible to persuade the claims when to explain. For the insured insist, shall apply to the insured to illustrate the consequences and requirements for their own requirements for confirmation, and the insurance policy comment field clear.

(6) insurance. Underwriting for insurance audit includes examination and calculate rates applicable audit.

(7) additional clause. The main risk and standard provisions provide is adapted to cars risk common security, but as individuals at risk has its characteristics. A perfect insurance scheme not only solves the common problems, more important is to solve the problem of personality, personality issues additional terms apply to risk. Special often means high risk, therefore, in the application of the additional terms more should review and analysis of the risk of attention, careful to accept and formulate conditions.

　　(three) accept business

Insurance in accordance with the provisions of the scope of business and the insurance Authority, in the audit inspection, have the right to make underwriting or rejection decision.

　　(four) preparing documents

Making documents is accepted in the business after filling in the insurance policy or certificate procedures procedures. Insurance policy or certificate is written documents contain both parties of insurance contract rights and obligations, is the main basis for the insured to the insurer's claims. Therefore, the quality policy quality, often directly affect the automobile insurance contract carried out smoothly. Completion of insurance requirements are: the documents, insurance contract elements clearly, correctly, check signature, complete formalities.

　　Three, insurance claims

Insurance refers to the insurer in the insured risk accident causes losses, the treatment for the claim that the proposed insured. Insurance claims should follow the "heavy contract, keep promise, seek truth from facts, active, fast, accurate, reasonable" principle, to ensure that both parties of insurance contract rights and obligations.

Insurance claims procedures as follows:

　　(a) received notice of loss

After insurance accident happens, the insured shall be the time of the accident, place, reason and the relevant circumstances, notify the insurer within the prescribed period of time, and claim.

Issued a notice of loss is the insured shall fulfill the obligation. The insured issued a notice of loss in ways that can be orally, can also be a correspondence and other means, but then shall notify in writing the timely replacement of formal, and provide the necessary claim documents, such as insurance, insurance certificate, appraisal, list of losses, loss inspection report etc..

　　(two) the audit liability insurance

Received notice of loss insurance, shall immediately review the case whether it belongs to the scope of liability insurance, the main content of the audit: valid loss will occur in the insurance policy, whether the loss caused by risk insured, whether the loss of vehicle is the subject-matter of the insurance, claims for compensation if people have the right to put forward claim.

　　(three) to check for loss

The insurer audit liability insurance, should be sent to the scene to understand the danger of investigation, accident analysis, accident damage reason, to determine the extent of damage, that the right of claim.

(four) for the payment of the insurance benefits

After insurance accident happens, after the verification is true and the estimation of the amount of compensation, the insurer shall perform the responsibility of compensation payment immediately.