新能源車險(xiǎn)的問(wèn)題分析及對(duì)策建議

中圖分類號(hào)：F842.6 文獻(xiàn)標(biāo)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(guó)新能源汽車及其保險(xiǎn)現(xiàn)狀

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