新能源車險的問題分析及對策建議

中圖分類號：F842.6 文獻標志碼：A DOI： 10.13714/j.cnki.1002-3100.2025.12.008

Abstract：Thispaperanalyzesanddiscuses thenew energy vehicleinsurancein China.Itstartswiththedevelopmentstatusof newenergy vehiclesandtheirinsurance in China，andthen furtheranalyzes thecurrentproblems faced bynewenergyvehicle insurance.Fortheissueof"expensiveinsurancepremiums"，theanalysisisconductedfromthreeaspects：changesindriving habits，highrepaircosts，andahighproportionofommercialvehicles.Fortheisueof"insurancecompanies'loses"，thanalysis isconductedfromthreeaspects：insuficientindustrystandardpremiums，highclaimrates，andhighpayoutrates.Theroot causes ofthese twodilemmasareinterconneted.Finally，suggestionsareprovidedfromfiveaspects：corebateriesofnewenergy vehicles，liabilityissesofinteligentdriving，coperationbetweenewenergyvehiclemanufacturersndinsurancecompanies， traditional insurance companies，and regulatory authorities.

Key words： new energy vehicles; autonomous driving; vehicle insurance; one price for one person andone vehicle

1我國新能源汽車及其保險現(xiàn)狀

近幾年隨著我國新能源汽車的政策傾斜與車企新能源汽車的競爭力上升，新能源汽車銷售量和占有率屢創(chuàng)新高。（剩余5577字）