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广汽丰田汽车保险套餐设计
一般来说，车辆强制险是由保险公司对被保险机动车发生道路交通事故造成受害人(不包括本车人员和被保险人)的人身伤亡、财产损失，在责任限额内予以赔偿的强制性责任保险。从车辆强制险的定义可以看出，车辆强制险理赔范围是针对除了被保险人及被保险车辆车上人员以外第三方的赔偿，假若被保险人及被保险车辆车上人员在事故中受到人身及财产损失是不在车辆强制险理赔范围内的，因此车主如果想要获得相应的保障，还应投保车辆损失险、车上人员责任险等商业险种作为车辆强制险的补充，这样可以在发生意外时获得更为全面的保障。无论车主在事故中承担多大的责任，都可以保证实现100%的赔付，建议把这个附加险作为投保时考虑的重点。

目 录

前言 ····························3

1保险的重要性概况······················4

1.1保险的承保及流程···················4

1.2理赔范畴·······················4

2交强险、商业险的区别····················4

2.1交强险的说明及理赔··················4

2.1.1交强险·····················5

2.1.2交强险理赔···················5

2.1.3免责不赔范围··················5

2.2商业险范围······················5

2.3商业险重要性·····················6

3交强险现状及解决措施····················6

3.1交强险现状······················6

3.1.1承保情况····················6

3.1.2赔付情况····················6

3.1.3经营情况····················6

3.2商业险的补充、完善··················6

4商业险套餐的配置设计····················7

4.1商业险基本全保分析··················7

4.2保险公司对比·····················8

4.3保险套餐费用预算···················8

4.4套餐设计·······················9

5 保险套餐设计综述 ·····················10

参考文献 ··························11

参考文献：

[1]吴赛勋.怎样选择汽车保险的险种 [N].中国证券报，2005、

[2]梁军，焦新龙.汽车保险与理赔 [M].人民交通出版社，2005、

[3]项俊波.保险与实务 [M].中国财政经济出版社，2013、

[4]姜瑾．我国汽车保险理赔服务模式 [J].赤子，2015、

[5]杨学坤.机动车保险与理赔 [M].吉林人民出版社，2002、

[6]粟芳.保险营销学 [J].上海财经大学出版社，2015、

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