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今年9月，车险综合改革已经实施满3年。改革取得了预期效果，但姜凌云总经理表示，改革尚难一次性解决所有问题，预计改革还会继续深化。
车险综改主要包括三个方面：降低车险费用、优化车险服务、提高车险保障水平。根据数据显示，改革以来，车险费用下降了20%左右，消费者得到了更多的实惠。同时，保险公司也通过优化服务流程、提高理赔效率等措施，提高了车险服务的质量。
然而，姜凌云总经理也表示，改革尚存在一些问题。首先，改革尚未解决车险市场的垄断问题，大型保险公司仍然具有较大的市场份额，小型保险公司面临生存困境。其次，部分消费者的车险保障水平仍然较低，需要进一步提高。最后，车险行业的监管也需要进一步加强，以保证消费者的权益。
车险综改是一项长期的、复杂的改革，需要各方面的努力。我们相信，在不久的将来，车险行业将会迎来更加美好的未来。
【来源】http://www.chinanews.com/cj/2023/09-12/10076159.shtml
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