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Category: Insurance Doubts

  • 5 Analysis of Project Based Learning Benefits

    5 Analysis of Project Based Learning Benefits

    The basic project based learning benefits is that teachers set up practical research and exploration of project content, then inspire students to carry out independent thinking and exploration for specific project content, and finally achieve the effect of promoting the optimization and improvement of students’ comprehensive literacy of subject practice. The content of the syllabus of auto insurance and claims contains practical teaching points at multiple levels, so it reflects the importance of comprehensively introducing and using the project-based teaching mode. This paper discusses the overall implementation ideas of the project based learning benefits model integrated into the auto insurance and claims course and gives reasonable countermeasures for improvement and rectification.

    Here are the articles to answer, the doubts about 5 Analysis of Project Based Learning Benefits

    The core teaching goal of the auto insurance and claims course is to require students to accurately master the correct operation process of auto insurance and claims and to flexibly use the existing basic theories of the course in combination with course examples. The content of the syllabus of auto insurance and claims involves relatively complex and cumbersome basic knowledge points, which makes students feel abstract and obscure for the basic content of the course, and it is difficult to ensure the expected good effect of course teaching.

    To fundamentally promote the realization of comprehensive transformation and adjustment, teachers should implement the new course implementation model of project based learning benefits throughout the course teaching process, aiming to stimulate students’ interest in exploring and researching the basic content of the course and closely integrate the practical scenarios in the course field. You may like to learn 5 Analysis of the New Energy Vehicles Insurance.

    The objectives of the auto insurance and claims course

    Course basic knowledge teaching

    The basic theoretical knowledge of auto insurance and claims covers a wide range of content, including auto insurance principles, auto insurance contracts, common types of auto insurance, auto insurance underwriting and claims, and other key components. By carrying out all-around comprehensive teaching, teachers should be able to ensure that students can deeply and accurately understand the basic teaching points of courses, and consolidate students’ existing theoretical foundation of course learning.

    Cultivation of discipline practice ability

    Whether students can form excellent subject practice literacy ability in the course of comprehensive development of course study is fundamentally related to the degree of adaptability of students after entering the post-operation practice environment. Therefore, in the practice of teaching, teachers must put students’ existing subject practice ability in the first place, and actively promote the optimization and improvement of students’ subject practice literacy ability.

    In the classroom, teachers must inspire students to think independently about the key points of the operation of auto insurance claims, and encourage students to use independent ways of thinking to judge and analyze the needs of customer groups in the field of auto insurance claims, and then correctly use the existing basic theoretical content of the subject. You may also like to learn What is Gynecomastia Surgery and Treatment?

    Improve the comprehensive quality of students

    Under the current circumstances, there are still many students who show the shortcomings of a lack of comprehensive practical literacy. The key root cause is that students lack curriculum practice training. Therefore, teachers must integrate more practical elements in the teaching process of auto insurance and claims, to promote students to fully realize their comprehensive literacy ability.

    Teachers should create a complete set of realistic scenarios for course practice to optimize students’ existing course experience. In addition, teachers should pay full attention to the process of course assessment, correctly use the technical indicators of course assessment to judge the level of students’ comprehensive practical ability and make reasonable and perfect designs for the diversified course assessment index system.

    Reform path and countermeasures for project-based teaching of auto insurance and claims course

    Reasonable selection and design of course teaching project content

    Whether the course teaching content can be reasonably scientifically arranged and designed is fundamentally related to the overall implementation effect of teaching. At present, teachers must correctly recognize the complexity and practical characteristics of the course content of auto insurance and claims and optimize the existing course design scheme in combination with the implementation requirements of course teaching.

    Teachers should give a correct understanding of the real ability level of students in the class, flexibly control the difficulty of project-based curriculum design, and avoid hitting students’ enthusiasm for independent exploration. Teachers should set different project exploration contents for students with different practical abilities and literacy, to stimulate students’ interest in independent thinking and completing project exploration tasks.

    For example, for the teaching content of the important course of accident car claim settlement, teachers first need to explain the basic practical operation process of accident car claim settlement to the class students in detail, to ensure that students can be fully familiar with the accident car claim settlement operation process. Under this premise, teachers can inspire students to think independently by setting up vivid and real accident car claims scenarios, to ensure the purpose of deepening students’ impression of course learning.

    Students should be able to cultivate a good sense of professional ethics and legal awareness through independent thinking and exploration of the operation process points of accident vehicle claims and inspire students to use flexible thinking methods to connect with the post-practice environment.

    Encourage students to carry out independent project research and exploration

    At this stage, there are still many students who tend to ignore the process of self-exploration and practice. Because students ignore the process of self-exploration and practice of projects, they will have narrow and rigid course learning ideas. To mobilize students’ diversified practical thinking, teachers must encourage students to carry out independent exchange and exploration of course content in the course of teaching and ensure that course exploration projects are arranged in close combination with classroom practice scenarios.

    Teachers should give patient guidance to students who currently have difficulties and obstacles in practical exploration and learning, and comprehensively strengthen teachers’ inspiration and guidance in the classroom process, to prevent students from deviating from the correct curriculum practice and learning ideas. For example, for the important course teaching content of designing car insurance plans, teachers must inspire class students to independently complete the planning and design of insurance plans based on the basic needs of car owners and customer groups.

    Teachers should first set the basic needs of car owners and customers for students, and then require students to complete independent program planning and design work in combination with the basic practical points of existing car insurance programs. Through comprehensive insurance risk analysis and customer group demand analysis, students should be able to accurately understand the effect of automobile insurance plans, which is beneficial to promote the formation of students’ independent practice and exploration thinking.

    Enhance the emotional connection and interaction between teachers and students

    The new teaching model based on the premise of emotional interactive experience can not only help students release the pressure of learning, but also give the new car insurance and claims course exploration and learning experience. Students should be able to optimize their comprehensive practical literacy by participating in the experience and interaction of auto insurance and claims courses.

    Under the background of in-depth implementation of the teaching reform of auto insurance and claims at the current stage, the experiential teaching model of auto insurance and claims is increasingly being valued by teachers and students. Compared with the original teaching ideas, the auto insurance and claims class based on the support of experiential scenarios can create a more harmonious classroom interaction atmosphere, which is beneficial for students to experience the real practical life situation and deepen the students’ experience in automobiles. Participation in Insurance and Claims Course.

    The new experiential teaching mode can also prevent students from feeling boring in auto insurance and claims courses, and ensure that students from a more interesting impression of the learning and exploration process of auto insurance and claims courses. There is an inseparable relationship between the auto insurance and claims course and the actual life situation, which objectively determines that the experiential subject teaching model can be widely used.

    Fully introduce the auxiliary platform technology of network informatization

    The network information-based course teaching auxiliary technology can deepen students’ understanding of the basic theory of the course, and ensure that students can form a new impression of the process of exploring and learning about the basic theory of auto insurance and claims. Specifically, in the current teaching practice process, teachers should correctly operate and use the network information-based curriculum-aided teaching platform to ensure that an interesting and vivid classroom atmosphere is created for the students in the class.

    Teachers should intuitively display the basic theoretical difficulties of auto insurance and claims settlement on the information platform, help students reduce the difficulty of the existing course self-exploration process, and cultivate and build students’ confidence in course learning. Teachers should appropriately simplify the complexity of the theoretical content of the course to prevent students from feeling boring in the course of the class.

    Project based learning benefits is objectively beneficial to deepen the impression of classroom learning, and comprehensively activate students’ existing practice and exploration thinking. However, it should be noted that the current auto insurance and claims class still has the defect of a boring classroom atmosphere, and many students are accustomed to the established auto insurance and claims teaching and learning model.

    To promote the realization of all-around transformation, teachers must now fully realize the value and significance of project-based teaching throughout the auto insurance and claims class and fully combine the network information platform to create a more interesting and vivid project classroom atmosphere for students. Teachers should comprehensively enhance the communication between teachers and students in the classroom and change the students’ thinking of course learning.

    Appropriately integrate the ideological and political elements of the curriculum

    The ideological and political elements of the course are a very critical basic part of the course teaching. The teaching and implementation of auto insurance and claims are indispensable for the entire process of teaching and implementing the important elements of the course ideological and political as a guarantee.

    Specifically, in the process of integrating and infiltrating the practice methods of curriculum ideology and politics, teachers must be good at inspiring the whole class to associate practical operation scenarios and correctly use the contextualized curriculum teaching mode to assist in achieving curriculum ideological and political goals.

    Teachers and students should conduct in-depth discussions and exchanges on practical problems in course learning, to enhance the deep emotion between teachers and students. At the same time, teachers should lead students to experience and feel the practical atmosphere of the course, and cultivate students’ excellent professional ethics.

    Conclusion

    After analysis, it can be seen that the practical reform ideas and measures of project based learning benefits should completely run through all aspects of the course teaching process, ensure the use of flexible and scientific course teaching methods to mobilize students’ interest, and cultivate students’ independent exploration and study habits for auto insurance and claims courses.

    Under this premise, teachers and class students should carry out close connection and interaction, and actively adopt and use the network information-based curriculum-assisted teaching platform. At present, teachers should reasonably select and design project teaching modules for the auto insurance and claims course, encourage students to use independent research and independent exploration to obtain new learning experiences, and cultivate students’ excellent practical application ability.

    5 Analysis of Project Based Learning Benefits Image
    5 Analysis of Project Based Learning Benefits; Photo by KOBU Agency on Unsplash.
  • 5 Analysis of the New Energy Vehicles Insurance

    5 Analysis of the New Energy Vehicles Insurance

    New Energy Vehicles Essay: In recent years, with the continuous deepening of the concept of energy saving and environmental protection and the continuous improvement of the level of automobile research and development, the production and sales of new energy vehicles in my country have grown rapidly, and they have great development potential in the automobile market. Compared with traditional fuel vehicles, new energy vehicles are quite different in structure. Therefore, traditional auto insurance cannot protect against the unique risks of new energy vehicles.

    Here are the articles to answer, the doubts about the Analysis of the Development Status of New Energy Vehicle Insurance

    In December 2021, the introduction of new energy vehicle commercial insurance exclusive products prompted the rapid integration of new energy vehicle insurance into the new development pattern, and the development prospects are immeasurable. This paper analyzes the current status of the development of new energy vehicle insurance, finds out the existing problems and puts forward suggestions for the development direction of new energy vehicle insurance in the future.

    An overview of my country’s new energy vehicle industry

    The new energy vehicle industry is developing rapidly. In 2021, the production volume of new energy vehicles in my country will reach 3.545 million units and the sales volume will reach 3.521 million units. As shown in Table 1, the sales volume of new energy vehicles is growing rapidly, with a year-on-year increase of 113.9%. At the same time, the export of new energy vehicles has achieved breakthroughs. In 2021, the export of new energy vehicles will reach 310,000 units, a year-on-year increase of three times.

    These data show that new energy vehicles have entered a new track for large-scale and rapid development. Today my country’s new energy vehicle brand market is mainly composed of three categories: one is the overseas car-making force represented by Tesla, which occupies the high-end market of its high-end brand awareness, design, and technological advantages. In 2021, Tesla has strengthened market attention and traffic through price cuts, which will have a greater impact on competitors.

    The second is the domestically produced cars represented by BYD, NIO, and Xpeng. They have Internet genes and are influential in the high-end market of Generation Z, especially NIO. The third is the economical and practical school represented by Wuling Hongguang MINI EV, which mainly benefits from third-tier cities and towns, and will become an Internet celebrity brand in 2021 with leading sales.

    Development Status of New Energy Vehicle Insurance in my country

    The introduction of new energy vehicle insurance

    There are big differences between new energy vehicles and traditional fuel vehicles in terms of power principle, structure, maintenance, etc. The battery is the basic energy and power source, the drive motor can convert this onboard energy into driving power, and the electronic control system controls and monitors the vehicle. The operation and component status of new energy vehicles, referred to as the “three power” system of new energy vehicles, before the introduction of new insurance clauses, these risk factors were not covered by suitable insurance coverage.

    Traditional auto insurance cannot match new energy vehicles, so it is an urgent matter to modify and improve the original auto insurance products to match new energy vehicles. To fully implement the “dual carbon” goal, on December 14, 2021, the Insurance Association of China issued the “New Energy Vehicle Commercial Insurance Exclusive Clauses (Trial)”. The “clauses” mainly include new energy vehicle loss insurance in terms of insurance types, third-party liability insurance, vehicle personnel liability insurance three main insurance, additional insurance types are adjusted from 11 traditional auto insurance to 13, adding additional external power grid failure loss insurance, additional self-use charging pile loss insurance, additional self-use charging Three new pile liability insurances.

    Sale of new energy vehicles (unit: 10,000 units, %) Exclusive additional insurance for energy vehicles, basically taking into account the common risks of new energy vehicles. Motors, batteries, and electronic controls are the components with the most concentrated risks. These components are covered by the new energy exclusive auto insurance, indicating that the coverage and responsibilities of new energy vehicles are more complete. In terms of insurance, a new car can be directly insured, and a vehicle that has been purchased before needs to wait for the expiration of the previous auto insurance coverage before insuring the new energy vehicle auto insurance.

    The characteristics of new energy vehicle insurance

    New energy vehicle exclusive insurance can fully consider the risk characteristics and usage scenario characteristics of new energy vehicles, and the insurance subject matter, insurance liability, and insurance amount are more compatible with these characteristics, which can effectively meet the needs of new energy vehicles. You may like to learn ERP systems in Financial Management Essay.

    First of all, in the design of insurance content, the new exclusive insurance can be designed in combination with the risk characteristics of automobiles, which has certain pertinence; the clauses clarify the insurance responsibilities involved in the “three power” system, fire accidents, charging status, etc. When the exclusive additional insurance for energy vehicles is included, for the first time, external equipment such as charging piles are included in the coverage, and the monthly depreciation coefficient is appropriately adjusted according to the characteristics of new energy vehicles.

    Secondly, in terms of coverage, the design of insurance clauses comprehensively considers the risks in the use of new energy vehicles, designs additional insurance for the charging process, covers loss insurance and liability insurance, and uses the insurance mechanism to further share the charging process of new energy vehicles. risk and protection are more comprehensive. It is worth noting that since the introduction of this clause is still a trial plan, there will still be many uncertainties in the implementation process, and it still needs to be updated and improved in the continuous development process in the future.

    Three new energy car insurance problems

    As a mature and standardized business, auto insurance generally has little potential for development. However, with the entry of new energy-exclusive auto insurance, the development logic of the market needs to be reshaped, and insurance companies will face new opportunities and challenges. Dropshipping How to Start? 8 Expert Reasons is Worth it.

    High premium pricing

    Since the rise and fall of premiums are related to the number of vehicle owners’ violations and the number of accidents, the premiums of some models with higher loss rates and higher prices in the past will rise. New energy vehicles are fundamentally different from fuel vehicles. Therefore, the situations of failure, maintenance, and claims are also different, and there is another set of pricing systems. Since the introduction of the new insurance terms, there has been a rise in auto insurance for some policyholders.

    For example, Tesla has the highest claim ratio and claim amount, reaching 1:1.4. The all-aluminum body used by Tesla can only be replaced in one piece after damage, so the compensation amount after an accident is higher than that of other models. expensive. In the past car insurance cases, there have been many battery fires and combustion accidents, which also caused casualties. Although the causes of accidents involve various aspects, industry experts mostly point to the battery itself and the design of the whole vehicle.

    They cannot control their accidents and reduce maintenance costs. It is difficult to reduce the insurance premiums of new energy vehicles (especially high-end models). Car companies have to continue to invest in subsidies. With the further popularization of new energy vehicles, all kinds of accident conditions that have never been heard of before having the probability of occurrence, resulting in prolonged claims settlement time and increased costs. These factors will lead to further increases in insurance premiums.

    Difficulty in settling damages

    Based on the continuous improvement of technology and capital investment in the auto industry, the current high-end new energy vehicles are also equipped with high-intelligence equipment, and insurance companies lack talents who understand this aspect. Once an accident occurs, it is more troublesome to settle a claim for damages. Insurance companies rely on data when setting insurance rates and providing service standards, including driving behavior data and vehicle attribute data.

    However, at present, the relevant price and underwriting data resources of new energy vehicles have not been fully obtained by insurance companies, which is not conducive to premiums. Calculate. Due to the lack of professional talents in insurance companies, the maintenance costs of new energy vehicles in the current market are more dominated by car companies, which will lead to insurance companies in a passive position in the process of auto insurance pricing.

    High payout rate

    In recent years, new energy auto insurance claims have faced greater pressure. Report data shows that the current average loss rate of new energy auto insurance is close to 85%, and the industry is greatly affected by underwriting losses. Insurance companies at this stage cannot achieve a balance between service and profitability. The high loss rate of new energy vehicles is mainly due to the following factors: firstly, in terms of the nature of use, the proportion of commercial vehicles in the use of new energy vehicles is relatively high; secondly, in terms of model structure, the structure of new energy vehicles is different from traditional fuel vehicles.

    Vehicles often have the characteristics of low chassis and fast starting, so the probability of accidents will increase; in addition, at the technical level, due to technical blockade and monopoly, some problems that seem to be small in traditional fuel vehicles, On new energy vehicles, more complex maintenance methods are often required due to technological blockade and monopoly. Given the above reasons, the overall loss rate of new energy vehicles is relatively high.

    Four new energy auto insurance development direction

    The launch of new energy-exclusive auto insurance is a necessary measure for the insurance industry to maintain the healthy development of its own business, and it is also one of its means to initiate checks and balances against the new energy auto industry. Combined with the current market problems, new energy auto insurance needs to be further developed and improved.

    Model premiums need to return to a reasonable range

    Benchmark pure risk premiums are a key factor in determining premiums. On December 14, 2021, the China Association of Actuaries released the “New Energy Vehicle Commercial Insurance Benchmark Pure Risk Premium Table (Trial)”, which is a new energy exclusive main insurance based on the underwriting data and claims data of new energy vehicle commercial insurance in recent years. and Rider Benchmark Pure Risk Premium Schedule. In the preparation process, the affordability of consumers of models with lower price ranges is fully considered to ensure that the overall premiums of models in this range will not rise.

    However, for models with a higher price range, the insurance premium mainly depends on the insurance claims, including the previous sales volume, accident rate, average maintenance costs, etc., because the configuration of high-priced models is also higher, coupled with the sales volume of some new energy vehicle companies It is significantly lower than that of traditional car companies, and there are fewer maintenance outlets, resulting in high maintenance costs and increased insurance premiums. With the expansion of the application scale of the terms, the cost of claim settlement will be further reduced and the pricing will be more refined, which will also push the rate of new energy auto insurance to a reasonable level.

    In addition, at present, the operation monitoring and data collection of new energy vehicles have been fully promoted. Insurance companies can cooperate with professional automobile inspection and testing institutions to study and build a safety risk assessment system for new energy vehicles and power batteries, introduce a safety factor in the determination of premiums, and establish A more scientific and reasonable new energy vehicle insurance rate determination system.

    Further, improve industry security services

    Insurance companies should further enhance their understanding of new energy vehicle products and structures, continuously strengthen the introduction and training of talents, and use the power of technology and big data to solve problems. Relying on the digital economy, more innovative, highly permeable, and wide-ranging new energy-exclusive claims protection services will be launched to better meet the needs of different consumer groups.

    At the same time, in the development of new energy auto insurance, because auto companies have advantages in customers, data, technology, network, etc., in the design of related insurance products, they must cooperate with insurance companies with relevant qualifications; After that, car companies are bound to rely on the offline layout of insurance companies for later claims. Only by strengthening exchanges and cooperation between the two departments can the accuracy of loss determination be further achieved.

    Accelerate the innovation of the new energy vehicle industry

    In the current new energy vehicle market, a lot of operating vehicles come from leasing companies. Some leasing companies have non-operating vehicles, their real uses are more complex, and the compensation is also very different. The loss rate of these vehicles will be very large. There are certain difficulties in verifying the information. Under the background of the rapid development of new energy vehicle technology and the insufficient accumulation of relevant insurance big data, only continuous product innovation, continuous collection of related data, and accelerated integration with related industry chains such as automobile production, sales, and logistics can further promote new energy Development of car insurance.

    At the same time, the new energy vehicle industry should also make full use of technology, continue to accelerate the improvement of product performance, and continue to innovate and improve product design, safety performance, battery life, intelligent experience, and supporting facilities for charging services. Today, with the increasing penetration rate of new energy vehicles, new energy vehicle insurance is a new challenge and opportunity for the insurance industry, and the trend is irreversible. But objectively speaking, the entire insurance industry is still in its infancy in terms of new energy auto insurance, whether it is the recognition of models or product design, and the industry still has a very long way to go.

    5 Analysis of the New Energy Vehicles Insurance Image
    5 Analysis of the New Energy Vehicles Insurance; Photo by Maxim Hopman on Unsplash.