交强险稳中承压：2024年承保机动车3.72亿辆，赔付成本上涨11.6%

Core Insights - The announcement by the Financial Regulatory Bureau highlights the expansion of compulsory traffic accident liability insurance (CTALI) coverage, enhanced risk protection capabilities, and improved service quality to meet the growing insurance needs of the public [1] Group 1: Insurance Coverage and Financial Performance - In the 2024 accounting year, insurance companies covered 372 million vehicles under CTALI, generating premium income of 271.06 billion yuan and incurring claims costs of 226.28 billion yuan, resulting in an overall underwriting loss of 15.27 billion yuan [2][3] - The number of insured vehicles increased by 4.2% year-on-year, with the number of insured cars reaching 334 million, a 5% increase [2] - The total risk coverage amount for CTALI reached 74.3 trillion yuan, reflecting a 4.2% year-on-year growth, while claims payments increased by 11.6% to 226.28 billion yuan [2] Group 2: Service Innovations and Improvements - The insurance industry has deepened cooperation with traffic authorities to create a new ecosystem of "insurance + traffic," simplifying the claims process to provide one-stop services for vehicle owners [4] - In Beijing, a remote processing center was established, handling over 510,000 traffic accidents in 2024, significantly reducing the claims processing time [5] - The industry has actively participated in disaster prevention and relief efforts, with over 87,000 personnel deployed during severe weather events, and 4.2 billion yuan paid out for disaster-related claims [6] Group 3: Factors Influencing Claims Costs - The increase in claims costs by 11.6% in 2024 is attributed to several factors, including higher vehicle usage intensity, rising repair costs, and increasing personal injury compensation standards [7][8] - The volume of freight transported by road increased by 3.9%, and the number of road passengers rose by 4.8%, leading to a higher frequency of vehicle use and claims [8] - The proportion of new energy vehicles reached 31.4 million, accounting for 8.9% of total vehicles, contributing to ongoing underwriting losses in this segment [9]