提升大灾应对效能 强化事故兜底保障 交强险服务升级如何利好车主

Core Insights - The mandatory traffic accident liability insurance (known as "Jiaoqiangxian") is expanding its coverage and improving its service, with a notable increase in the number of insured vehicles and compensation payouts in 2024 [1][2]. Group 1: Insurance Coverage and Financials - In 2024, Jiaoqiangxian covers 372 million vehicles, a year-on-year increase of 4.2% [1] - The total guaranteed amount reached 74.3 trillion yuan, also reflecting a 4.2% year-on-year growth [1] - Compensation expenditures amounted to 226.28 billion yuan, marking an 11.6% increase compared to the previous year [1] Group 2: Disaster Response and Technological Integration - The insurance industry is enhancing its disaster response mechanisms, particularly during extreme weather events, by implementing a collaborative damage assessment process among different insurance companies [1][2] - The development of "disaster accident vehicle insurance risk maps" and the use of IoT devices for water level monitoring are being introduced to help prevent risks [2] Group 3: Social Assistance Fund - In 2024, the social assistance fund for road traffic accidents extracted 1.1 billion yuan, providing crucial support for victims [2] - The fund assists victims whose medical expenses exceed the Jiaoqiangxian liability limits or in cases where the responsible vehicle is uninsured or has fled the scene [2] Group 4: Innovative Measures in Fund Management - Various innovative measures have been implemented in managing the assistance fund, including a 24-hour response mechanism and streamlined processes for quick fund disbursement [3] - The insurance industry is committed to enhancing the efficiency and transparency of the assistance fund management [3]