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通过建立机动车辆保险信息共享平台进行制度设计与安排,保险监管机构和保险行业协会可对车险市场实施动态有效的监管,以维护车险市场竞争秩序。同时各保险公司不但可以利用车险信息共享平台中的车辆信息和风险信息,厘定可浮动的保险费率;还可实现车辆及配件价格,维修服务定额,承保、理赔等信息数据的交换和共享,进而能有效防范车辆保险中的经营风险和道德风险,提高其管理效率和服务水平。
Through the establishment of a platform for vehicle insurance information sharing system design and arrangements, insurance regulators and insurance industry associations can auto market dynamic and effective regulation, in order to maintain the auto insurance market competition. At the same time, each insurance company can not only make use of the vehicle information and risk information in the auto insurance information sharing platform to determine the floating insurance premium rate, but also exchange and share the information and data such as the prices of the vehicles and accessories, the quotas of maintenance services, underwriting and claims settlement, Which can effectively prevent the business risk and moral hazard in the vehicle insurance and improve its management efficiency and service level.