Insurance underwriting is the insurance company according to its underwriting capacity and market environment on the subject of risk assessment, identification and response selection process to reduce adverse selection and moral risk, he is risk entrance first pass, pass and control business risks. Auto insurance business accounted for property insurance company of total business67%So, underwriting behavior is an important part of the business of the insurance company, his accurate and scientific decision accident rate, ultimately affect the economic benefit of the company. How to organize and implementUnderwriting work, can not only ensure the insurance company is profitable and can maintain the insured interest, this is a question worth exploring.

1The underwriting work, is a full participation in the system

Underwriting work involves not only undertakes the underwriting work personnel, should also be the whole company staff including sales to participate in the system, this system has not really set up. The two game, a game, and then back to the insurance company and the customer claims, link in the game of two, increases the complexity of vehicle insurance underwriting. At present, the insurance marketing is still in the non normal competition, price competition becomes the main form of competition, customers with lower prices, to obtain the same service, price deviation, it will mean the loss of customers, including customer. The marketing personnel is in direct contact with the specific undertaking business, he was to get the first hand information of vehicle status, the driver driving technology. Because the insurance company may not conduct on-site inquiries and checking of all vehicles, also do not accord with the cost benefit principle, rely mainly on insurance underwritingThe agent and the clerk.Marketing personnel to provide information. And the influence of the insurance marketing income directly affected by the operation of the business volume and the premium level, so they will hide some information, or distorted information, so the discrimination task to underwriting persons, underwriting underwriting underwriting company vehicles become important juncture. The underwriter gets only at some point on the filtered content and less comprehensive information. To the risk from these information recognition, and take corresponding measures, it is some of the evidence is not sufficient.    

2,Underwriting is a professional and strong, high technical requirements of work, need for professional talents with high comprehensive quality

If the underwriting can restore the underwriting the risk status in form and in essence, the underwriter must not only in theory such asThe theory of insurance, risk management, vehicle related knowledgeHas a certain height, more attention should be paid to the practical training, combine, difference between theory and practice, to deal with, can we truly tens of thousands of an underwriting work.If the insurance clause and premium rate, degree, familiar with the business process and operation;Automobile production plant because of its cars are cheap and popular, but because the parts are expensive, whether to improve underwriting conditions or deny coverage to certain categories;Considering the customer groups, target species, business type and other factors is the science division,Some truck out of the main factors for overload, long, overage, the vehicle should be given more attention. In fact, many local companies really bear underwriting staff, lack of motor vehicle insurance principle, theory, actuarial, some master, even without the auto insurance business operations experience, through their underwriting case may fall.

3, underwriting work should adopt a variety of measures system

Make full use of modern information technology, the advantage of network, and integrated into the system of underwriting means now, become an important means of risk screening of insurance business. Many of the current insurance industry associations have established claims information system, can timely inquiry into claims underwriting vehicles, but only by the single, static method can not fully grasp the real situation of the insurance component, so to obtain useful information by other means is necessary, especially for some atypical vehicle, should obtain prior information using a variety of means to decide whether and how to underwrite insurance. At present, the insurance company in providing online underwriting and case query services. The underwriter can use each other to provide these functions to obtain the underwriting and claim information, as an important source of underwriting risk assessment.

4,, underwriting work should be individual and overall connectionEach link is put on businessSystem

Risk features in common, there are individual differences, thereforeIn addition to the individual risk underwriting audit, but also to the control of overall risk. Standard underwriting policies are conducive to the control of the overall general risk, save resources, reduce the cost, convenient batch operation,To improve the standardization, standardization of business management. But for individual differences to avoid risk, unable to be through the general operating rules, need to underwriting staff into more subjective judgment, so as to reduce the non common risk. The standard policy more and more detailed, operable and more high, policy for more ideas of risk, in the operation of subjective judgment is less, but the operation cost is high. As risk such as fish, fishing nets, mesh is greater, more a fish escaped through the Seine, the risk of inhaling more mesh smaller, less risk of inhaling a fish escaped through the Seine, the less, but many insurable risks are excluded, affect the company's business growth, will send a company underwriting the ability to peer. Should be based on their own capacity, adhere to the principle of cost and benefit, balance, in business growth and capacity management agencies at all levels of underwriting ability of personnel management,Adhere to the combination of the standard and the flexibility to handleTo develop a reasonable underwriting policy on the basis of.For different jobs (such as the management of underwriting and review the underwriting), different customer groups (such as private and team), different types of business (such as new and renewal), different types of vehicles (such as buses and trucks) develop differentiated, the refinement of the underwriting standards.Underwriting work should not assess and respond to link just to stay in front and the signing of the bill, also runs through the whole process from accepting insurance until the termination of the contract. Includes coverage of special customer trackingThe applicant is a violation of the duty of disclosure, the real risks, rates apply correctly, especially to do the post audit agency business;After the analysis of compensation claims data loss, re evaluation of policy termination, the underlying risk, theNew underwriting standards added to the underwriting system.