近日，新能源车主普遍反映遭遇车险费用飙升甚至被拒保的问题。在新能源汽车市场快速发展的背景下，这一现象引起了广泛关注。《经济日报》2月21日的报道指出，新能源车险市场正面临创新求解的迫切需求。
据悉，新能源车主在购买车险时普遍感觉到了费用的大幅上调。有车主表示，自己的保费较之前上涨了50%以上，而部分保险公司甚至出现了拒保情况。新能源车主对于保费上涨的“喊贵”声，与保险公司声称的“叫亏”形成了鲜明对比。新能源汽车特有的技术和维修特点，使得传统车险难以适应，导致险企在承保过程中面临诸多不确定性。
新能源汽车技术的创新带来了保险产品的需求变革。新能源车普遍采用的电池、电机等关键部件，不仅价值高，而且维修成本也相对较高。此外，新能源汽车多采用智能化技术，这也在一定程度上增加了保险理赔的复杂性。传统车险的费率体系和理赔流程，难以适应新能源车的这些特点，导致了保费的不合理上涨和保险公司的承保压力。
面对这一挑战，业内专家和保险公司纷纷呼吁创新新能源车险产品。这包括开发与新能源汽车技术特点相匹配的保险产品，优化理赔流程，提高保险服务的效率和质量。同时，也有声音建议，应通过大数据和人工智能技术，对新能源汽车的风险进行更为精准的评估，从而为车主提供更合理、更个性化的保险解决方案。
English Title: New Energy Vehicle Insurance Premium Soars as Solution Demanded
Keywords: New Energy Vehicle Insurance, Premium Increases, Insurance Innovation
News content:
Recently, new energy vehicle (NEV) owners have普遍反映 they are facing soaring insurance premiums and even being denied coverage. This issue has attracted widespread attention against the backdrop of the rapid growth of the new energy vehicle market. A report in the “Economic Daily” on February 21 highlights the urgent need for innovation in the NEV insurance market.
It is understood that new energy vehicle owners have普遍 felt significant increases in insurance costs. Some owners report a premium increase of over 50% compared to previous amounts, while some insurance companies have even refused to provide coverage. The “outcry” of new energy vehicle owners over rising premiums is in stark contrast to the insurers’ claim of “losses.” The unique technology and repair characteristics of new energy vehicles make traditional insurance products unsuitable, leading to many uncertainties in the underwriting process for insurers.
The innovation in new energy vehicle technology brings about a demand for change in insurance products. The key components such as batteries and motors in NEVs, which are not only high in value but also relatively expensive to repair. Moreover, the adoption of intelligent technology in new energy vehicles also increases the complexity of insurance claims. The traditional rating system and claims process of auto insurance are ill-equipped to handle these features of new energy vehicles, leading to unreasonable premium hikes and insurance company underwriting pressures.
In response to this challenge, industry experts and insurance companies are calling for the innovation of new energy vehicle insurance products. This includes developing insurance products that match the technical characteristics of new energy vehicles, optimizing claim processes, and improving the efficiency and quality of insurance services. Additionally, some suggest using big data and artificial intelligence technology to conduct more precise risk assessments of new energy vehicles, thereby providing owners with more reasonable and personalized insurance solutions.
【来源】http://www.chinanews.com/cj/2024/02-22/10167575.shtml
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