国内新能源车险存在的发展问题与对策

新能源汽车保险存在的问题与对策摘要在新能源汽车市场快速发展的同时，由于新能源汽车与传统燃油汽车产品结构和使用性能的差异，现有汽车保险与新能源汽车保险之间的矛盾也越来越凸显。本文首先介绍了我国新能源汽车保险的现状，探讨了其存在的问题，最后提出了促进我国新能源汽车保险发展发展的对策和建议，为下一步制定合理的新能源汽车保险产品提供参考依据。本文通过案例分析的方法，对国内外新能源汽车保险存在的案例进行了分析和总结，加深了人们对新能源汽车保险现状和发展趋势的认识。并使用比较分析法，参考日本，英国等发达国家在新能源汽车保险制定中的先进经验，对国内险种与其新能源汽车险发展现状进行对比研究，分析总结出国内新能源汽车险存在的不足，并学习他国新能源汽车险的比较优势，以提出可操作性强的对策，应对国内新能源汽车险存在的不足与问题。目前新能源汽车保险主要存在四个问题，即新能源汽车缺少独立险种：新能源车险总体保费偏高：投保时险种与新能源汽车不匹配以及理赔时车险定价高赔付少的问题。通过对问题的分析，每个问题的对策也浮出水面，分别为：对新能源车险的量身定制：政府主导下制定科学合理的保险费率制度：汽车企业与保险公司合作：优化理赔机制，确保车险价格和赔付成正比。随着新能源车销量的增加，其问题也渐渐暴露，新能源车作为一种新的高科技产品，其汽车的风险也不断显现。新能源车结构与传统燃油汽车差异明显，在风险方面也有巨大差别。就当下而言，很多传统汽车保险公司的车险已经无法保障新能源汽车独有的新风险，假若使新能源汽车更好的发展，我们必须要突破现有传统车险的限制。所以，如何完善现有新能源车险政策，也渐渐成为理论与实务更应该考虑的问题。关键词：新能源车险：保费偏高：新能源汽车：插电混动：发展对策-I-New energy vehicle insurance problems and countermeasuresAbstractWith the rapid development of the new energy vehicle market,due to the differencebetween the product structure of new energy vehicles and fuel vehicles,the demandcontradiction between existing auto insurance and new energy vehicle insurance isprominent.Firstly,the development status of new energy vehicle insurance in China isintroduced,and the existing problems are discussed.Finally,suggestions are put forward toprovide reference for the development of new energy vehicle insurance products in thenext step.The case analysis method and comparative analysis method are used to refer tothe experience of Japan,Britain and other developed countries in the formulation of newenergy vehicle insurance.The development status of domestic insurance types is comparedwith that of car insurance,and the deficiencies of domestic new energy vehicle insuranceare summarized.The maneuverable countermeasures are proposed to deal with theproblems of domestic new energy vehicle insurance.At present,there are four mainproblems in insurance,namely,the lack of independent insurance for automobiles;Highoverall auto insurance premiums;Types of insurance and new energy vehicles do notmatch and claims when the auto insurance pricing is high and less compensation.Afteranalysis,we get countermeasures;Respectively:tailored to the car insurance;Formulate ascientific and reasonable insurance rate system under the leadership of the government;Cooperation between automobile enterprises and insurance companies;Optimize the claimsettlement mechanism to ensure that the price of auto insurance is proportional to thecompensation.With the growth of automobile sales,its problems are exposed,and the risksof new energy vehicles are constantly highlighted.The structure of new energy vehicles isvery different from that of traditional vehicles,and its risks are also different.Traditionalcar insurance cannot guarantee the unique risks of new energy vehicles.If new energyvehicles want to have a better development,they must break through the restrictions ofexisting commercial car insurance clauses.Therefore,we must know how to improve theexisting commercial auto insurance provisions.Key Words:New energy auto insur