文档介绍：摘 要
汽车事故理赔是指保险汽车在发生保险责任范围内损失后，保险人依据保险协议约定处理保险赔偿问题过程。理赔工作是保险政策和作用关键表现，是保险人实施保险协议，推行保险义务，负担保险责任具体表现。保险优越性及保险给被保人经济赔偿在很大程度上全部是经过理赔工作实现。本文以太平洋保险企业为例，叙述了车险创新模式研究。本文首先介绍了此次写作写作背景，写作意义和文件综述，介绍了太平洋车险服务和理赔工作，车险理赔服务关键性。第二部分介绍了太平洋车险理赔现实状况和存在问题进行了分析。第三部分介绍了车险理赔新型模式互联网理赔。第四部分介绍了优化理赔模式提升保险企业服务。
关键词：太平洋保险 车险理赔 互联网保险
Abstract
The car accident insurance claims refers to the insurer to solve the issue of compensation insurance claims according to the insurance contract in the event of car damages within the scope of insurance liability. Insurance claims work is an important manifestation and function of insurance policy, is embodied the responsibility of the insurer execution of the insurance contract, the performance of the insurance obligation. The superiority of insurance is to provide the economic compensation to the insurers. The paper takes the example of CPIC to discuss the innovation of the car insurance. The first part is the introduction of the significance and the introduction of the CPIC car insurance services and the claims work. The importance of auto insurance claims service. The second part of this paper introduces the present situation of the Pacific insurance claims and the existing problems are third part is the introduction of the new internet claims of the car insurance. The forth part is the introduction of the claims prioritization and car insurance services improvements.
Key Words：CPIC Car Insurance Claims Internet Insurance
引 言
多年来，中国汽车行业飞速发展，这也带动了汽车保险业快速发展。作为中国财产保险业关键支柱险种，车险业务经营发展情况将直接关系到中国非寿险业务发展目标实现。怎样促进车险市场快速健康发展，全方面提升保险企业经营车险关键竞争力，一直是中国财产保险监管工作重心。而作为制约车险业务开展关键原因之一，车险理赔服务工作也受到了广泛地关注和重视。
作为中国三大保险企业之一，太平洋保险企业一直十分重视车险业务及车险理赔工作开展，并采取多种主动有效地方法，努力创新和提升车险理赔服务模式，提升服务质量等。首先，经过汽车事故理赔，被保人所享受保险利益得到实现，即假如发生交通事故，而且经过签署保险协议方法，在安定缴纳一定保险费用时，事故中所产生车辆损失人员伤亡等会立即扥到损失赔偿权利；其次，经过汽车保险理赔，使人民生活安定，社会再生产得到保障，交通事故往往伴伴随经济损失，