金融监管总局：2024年交强险覆盖范围进一步扩大

Core Insights - The Financial Regulatory Authority is guiding the insurance industry to enhance the compulsory traffic accident insurance (CTAI) service, aiming to expand coverage and improve service capabilities [1] Group 1: Coverage and Participation - The number of insured vehicles reached 372 million in 2024, representing a year-on-year increase of 4.2% [1] - Among these, the number of insured cars totaled 334 million, with a year-on-year growth of 5% [1] Group 2: Financial Performance - The total guarantee amount for CTAI reached 74.3 trillion yuan, marking a year-on-year increase of 4.2% [1] - Claims expenditure for the year was 226.28 billion yuan, which is an increase of 11.6% compared to the previous year [1] - Premium income for CTAI was 271.06 billion yuan, reflecting a year-on-year growth of 4.2% [1] - The average premium per vehicle remained stable at 762.5 yuan, with a slight increase of 0.3% year-on-year [1] - The underwriting loss for CTAI was 15.27 billion yuan, while investment income contributed 4.62 billion yuan, and 1.1 billion yuan was allocated to the road traffic accident social assistance fund [1] Group 3: Industry Initiatives - The insurance industry is actively utilizing effective mechanisms such as mutual recognition of vehicle damage assessments and indiscriminate rescue to respond to major disaster incidents [1] - The Financial Regulatory Authority plans to further enhance the guarantee capacity of CTAI and improve service quality to better serve as an economic stabilizer and social stabilizer [1]