国家金融监督管理总局：交强险覆盖面进一步扩大 保障能力持续增强

Core Insights - The National Financial Regulatory Administration emphasizes the importance of expanding the coverage and improving the service capabilities of compulsory traffic accident insurance (CTAI) in 2024 [1] Group 1: Coverage and Participation - The number of insured vehicles is projected to reach 372 million in 2024, representing a year-on-year increase of 4.2% [1] - The total number of insured cars is expected to be 334 million, with a year-on-year growth of 5% [1] Group 2: Financial Performance - The total guarantee amount for CTAI is expected to reach 74.3 trillion yuan, marking a year-on-year increase of 4.2% [1] - Claims expenditure for the year is projected to be 226.28 billion yuan, reflecting an increase of 11.6% year-on-year [1] - Premium income from CTAI is anticipated to be 271.06 billion yuan, with a year-on-year growth of 4.2% [1] - The average premium per vehicle is expected to remain stable at 762.5 yuan, showing a slight increase of 0.3% year-on-year [1] - The underwriting loss for CTAI is projected to be 15.27 billion yuan, with investment income of 4.62 billion yuan and a contribution of 1.1 billion yuan 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 National Financial Regulatory Administration plans to guide the insurance industry in further enhancing the guarantee capabilities of CTAI and improving service quality [1]