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在按行驶里程计费车险(PAYD)的经营中,由于需要根据行驶里程数以及其它与驾驶人驾驶行为有关的数据来确定保费,因而在信息采集、传输以及保费计算等方面较一般的车险有更高的技术要求。在发达国家的车险市场上,一些保险公司通过对某些技术方法申请专利保护来限制其他公司的竞争,维护自己的市场地位。在车险市场竞争日益激烈的今天,PAYD车险作为一种“资源节约型、环境友好型”产品,必将是我国车险市场未来的重要发展方向。
In the PAYD operation, since the premium needs to be determined based on the mileage and other data related to the driving behavior of the driver, the average car insurance in terms of information collection, transmission, and premium calculation Higher technical requirements. In the auto insurance market in developed countries, some insurance companies defend their market position by applying for patent protection for certain technical methods to limit the competition of other companies. In the increasingly competitive auto insurance market today, PAYD auto insurance as a “resource-saving and environment-friendly ” products, will be the future of China’s auto insurance market an important direction for development.