金融监管总局：交强险覆盖面进一步扩大 保障能力持续增强

Core Insights - The Financial Regulatory Administration is guiding the insurance industry to enhance the compulsory traffic accident insurance (CTAI) service in 2024, aiming to expand insurance 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] - The total number of insured cars was 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, reflecting an increase of 11.6% year-on-year [1] - Premium income from CTAI was 271.06 billion yuan, with a year-on-year growth of 4.2% [1] - The average premium per vehicle was 762.5 yuan, showing a slight increase of 0.3% year-on-year [1] - The underwriting loss for CTAI was 15.27 billion yuan, with investment income of 4.62 billion yuan and a provision of 1.1 billion yuan for the social assistance fund for road traffic accidents [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 Administration plans to further enhance the guarantee capacity of CTAI and improve service quality to better serve as an economic stabilizer and social stabilizer [1]