汽車車體損失保險理賠實務之探討

汽車保險的保費收入十年來都占台灣產險市場保費收入的百分之五十四左右，是最產險市場中比重最大的險種。因此，各產險公司通常會提供高品質的理賠服務給其客戶，以能掌握原有的續保業務或開拓新業務。惟近年來汽車保險之損失率上升，故產險公司開始注意其汽車保險之損失理賠流程的掌控。本研究旨在探討汽車保險之理賠流程、損失理算，以及車體損失保險中常受損之汽車結構項目。本研究亦分析一些車體損失保險之理賠案例，期能更深入地瞭解損失理算的細節。希望本研究能幫助產險業的車險理賠人員在未來能提升其理算的專業能力，正確地估理賠，以確保公司能有效地管理汽車保險的損失率。

關鍵字

汽車車體損失保險；理賠流程；損失理算

並列摘要

Automobile insurance premium income has had about 54% weight of the overall non-life insurance market in premium volume and remained the highest among all business lines in the past ten years in Taiwan non-life insurance market. Therefore, the non-life insurance companies generally offer high-quality services for the automobile insurance insureds to keep and get more automobile insurance business. But the non-life insurance companies also have to pay attention to control the claim settlement process of automobile insurance because the loss ratio has increased in late years. This paper is to study the claim settlement process, loss adjustment and the items of automobile structure commonly damaged in the loss claims of automobile physical damage insurance. This paper also analyzed several loss cases to deeply understand the loss adjustment procedures. We hope this study can assist the loss adjusters of automobile insurance increasing their loss adjustment technique to settle the loss correctly which can control the automobile insurance loss ratio effectively in the future.