新能源车险的问题分析及对策建议

中图分类号：F842.6 文献标志码：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我国新能源汽车及其保险现状

近几年随着我国新能源汽车的政策倾斜与车企新能源汽车的竞争力上升，新能源汽车销售量和占有率屡创新高。（剩余5577字）