经济日报：交强险功能不止于赔付

Core Viewpoint - The mandatory traffic accident liability insurance (known as "Jiaoqiangxian") has established a vast risk-sharing and protection network across the country, with significant growth in both the number of insured vehicles and premium income, highlighting its importance in social governance and public welfare [1][2][4]. Group 1: Insurance Coverage and Financial Data - As of the end of 2024, there are 372 million vehicles insured under Jiaoqiangxian, representing a year-on-year growth of 4.2% [1]. - The total premium income for the year reached 271.06 billion yuan, while claims paid amounted to 226.28 billion yuan, with a risk protection amounting to 74.3 trillion yuan [1]. Group 2: Social Value and Public Service Function - Jiaoqiangxian has evolved beyond mere compensation, playing a unique role in social governance and public welfare, as demonstrated by companies like China Life Property & Casualty Insurance, which actively participate in social rescue funds [2]. - The insurance system ensures victims receive timely medical assistance, particularly in cases without a responsible party, thereby reducing social conflict and enhancing efficiency in accident handling [2]. Group 3: Challenges and Innovations - The uniform premium rate system presents challenges, as high-risk and low-risk drivers pay the same, which undermines the principle of risk pricing and safety incentives [3]. - Some regions and insurance companies are exploring differentiated pricing mechanisms based on driving behavior and accident history to improve fairness and sustainability [3]. Group 4: Future Directions and Societal Impact - The functions of Jiaoqiangxian are expected to expand further into societal operations, acting as an "economic stabilizer" and "social stabilizer" in the context of China's modernization [4]. - The integration of digital technologies, such as vehicle networking and big data analysis, is anticipated to enhance risk monitoring and reduce accident occurrences, thereby lowering claims pressure [3].