1月20日凌晨两点，江苏盐城某国道上，一辆事故车的车主在风雪中焦急无措，直至路灯下出现人保财险查勘 员的身影，积雪上留下一行清晰的脚印。这正是此轮寒潮中，遍布全国的保险人共同的坚守缩影。1月中下旬，全 国多地遭遇强雨雪冰冻天气，道路结冰、车辆受阻、农业设施面临威胁。面对灾情，保险业迅速响应，第一时间 启动应急机制，通过开通绿色通道、优化理赔流程、统筹调度查勘救援资源，展现出以"防、救、赔"为主线、科 技与人力协同的保险保障服务，大量一线工作人员顶风冒雪奔赴现场，在严寒中为客户送去保障与温暖。 在江苏盐城建湖县，人保财险查勘员在积雪的大棚边，手把手指导农户科学清雪、加固棚架，将损失降至最 低。 "防"：关口前移 构建风险预警与减损体系 据了解，本轮降雪天气来临前，多家保险公司已将风险防控关口前移，多渠道、全方位开展预警提醒与防灾 减灾工作。 在线上，筑起信息屏障。人保财险各地分公司按照统一部署，提前48小时关注气象变化，通过短信、App、 社交媒体等多渠道向客户发送安全行车提示与防灾减损指引，累计推送预警信息超100万条。平安产险依托自主研 发的鹰眼系统和自有平台矩阵，累计精准推送超过3863万条预警信息和防灾 ...

Core Insights - The National Financial Regulatory Administration released the 2024 compulsory traffic insurance performance report, highlighting the continuous improvement in insurance coverage and service capabilities [1][2] Group 1: Insurance Coverage and Performance - The number of insured vehicles reached 372 million, a year-on-year increase of 4.2% [1] - The total insured cars amounted to 334 million, reflecting a 5% year-on-year growth [1] - The insurance coverage amount for 2024 reached 74.3 trillion yuan, up 4.2% from the previous year [1] - Compensation expenditures for the year totaled 226.28 billion yuan, marking an 11.6% increase [1] - Premium income from compulsory traffic insurance was 271.06 billion yuan, also up 4.2% year-on-year [1] - The average premium per vehicle remained stable at 762.5 yuan, with a slight increase of 0.3% [1] - The underwriting loss for the year was 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 2: Future Directions - The National Financial Regulatory Administration plans to guide the insurance industry in further enhancing the capacity and quality of compulsory traffic insurance services [2] - The aim is to better utilize the insurance sector as an economic stabilizer and social stabilizer [2]

此外，保险业积极行动、主动作为，充分运用重大灾害车辆损失查勘互认、无差别救援等有效机制，全 力做好重大灾害事故应对工作，切实服务道路交通安全和社会稳定大局。 下一步，金融监管总局将指导保险业进一步提高交强险保障能力，提升交强险服务质效，更好发挥保险 业的经济减震器和社会稳定器功能。 2024年交强险覆盖范围进一步扩大，参保机动车数量达3.72亿辆，同比增长4.2%。其中，汽车参保数量 共计3.34亿辆，同比增长5%。风险保障能力持续加强，当年交强险保障金额达74.3万亿元，同比增长 4.2%。当年赔付支出2262.8亿元，同比增长11.6%。保费收入稳步增长，当年交强险保费收入2710.6亿 元，同比增长4.2%。车均保费基本平稳，当年交强险车均保费762.5元，同比上升0.3%。业务经营总体 稳定，当年交强险承保亏损152.7亿元，分摊投资收益46.2亿元，提取道路交通事故社会救助基金11亿 元。 央视网消息：据国家金融监督管理总局网站消息，2024年，金融监管总局指导保险业持续做好交强险保 障服务工作，推动扩大保险覆盖面，不断提升服务能力水平，交强险功能作用持续发挥。 ...

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]

2024年，金融监管总局指导保险业持续做好交强险保障服务工作，推动扩大保险覆盖面，不断提升服务 能力水平，交强险功能作用持续发挥。 此外，保险业积极行动、主动作为，充分运用重大灾害车辆损失查勘互认、无差别救援等有效机制，全 力做好重大灾害事故应对工作，切实服务道路交通安全和社会稳定大局。 下一步，金融监管总局将指导保险业进一步提高交强险保障能力，提升交强险服务质效，更好发挥保险 业的经济减震器和社会稳定器功能。 2024年交强险覆盖范围进一步扩大，参保机动车数量达3.72亿辆，同比增长4.2%。其中，汽车参保数量 共计3.34亿辆，同比增长5%。风险保障能力持续加强，当年交强险保障金额达74.3万亿元，同比增长 4.2%。当年赔付支出2262.8亿元，同比增长11.6%。保费收入稳步增长，当年交强险保费收入2710.6亿 元，同比增长4.2%。车均保费基本平稳，当年交强险车均保费762.5元，同比上升0.3%。业务经营总体 稳定，当年交强险承保亏损152.7亿元，分摊投资收益46.2亿元，提取道路交通事故社会救助基金11亿 元。 来源：国家金融监督管理总局微信公众号 ...