福州市车险纠纷调查与研究【摘要】在我国改革开放以来，国民经济也随之得到持续快速的发展，福州市的人均收入得到大幅度提高，机动车拥有量更是突飞猛进，交通工具的日益普及，使得车险业务也获得了快速的发展，尤其是私家汽车的数量更是有了很大程度上的增长。因此，车险业务获得了快速发展，甚至成为财产保险行业占相当比重的险种，本文通过对机动车辆保险(以下简称“车险”)的纠纷调查进行理论分析和实证研究，并提出自己的观点和解决设想，以期对当今的车险行业提供一定得理论建议。【关键词】车险纠纷；调查；研究[Abstract]inourcountrysincethereformandopeningup,thenationaleconomyhasbeensustainedandrapiddevelopment,Fuzhou'spercapitaincomehasbeengreatlyimproved,thequantityofmotorvehicleismakeaspurtofprogress,transportationbecomesmoreandmorepopular,theinsurancebusinesshasalsoobtainedtherapiddevelopment,especiallythenumberofprivatecarsisagreatextentofgrowth.Therefore,theinsurancebusinessobtainedthefastdevelopment,andevenbecomethepropertyinsuranceindustryaccountedforaconsiderableproportionofinsurance,basedonmotorvehicleinsurance(hereinafterreferredtoas"insurance")ofdisputesintheoreticalanalysisandempiricalresearch,andputforwardtheirownopinionsandsolvetheidea,inordertoprovidesometheoreticalsuggestionstotheinsuranceindustry.[keyword]insurancedispute;investigation;research目录1一、车险概念及作用.......................................................................................................................2二、车险纠纷的调查研究方法.......................................................................................................3(一)微观和宏观层次相结合。.............................................................................................3(二)以消费者的实证研究为主，并结合现有理论成果来诊释消费者行为。..................3(三)资料查阅和借鉴。...........................................................................................................4三、车险市场发展现状...................................................................................................................4（一）从保险公司方面看，各险企自身识别风险能力有限。.........................................4（二）从投保人方面看，投保人欺诈事件时有发生.........................................................5四、造成车险纠纷原因的分析.......................................................................................................5（一）纠纷解决机制尚不健全...............................................................................................5（二）同一事故中多人伤亡的交强险分配问题.................................................................6（三）对车险条款存在不理解的地方...................................................................................6（四）鉴定程序繁琐影响事故处理效率.............................................................................6（五）得不到及时的经济支持.............................................................................................6五、车险行业存在的发展问题.......................................................................................................6（一）信息不对称和外部不经济...........................................................................................6（二）外部监管缺位...............................................................................................................7(三)保险产品审批更重视精算、费率，造成对保险服务重视不足.......
