交通事故每日無時無刻在世界各地發生，每次之交通事故均產生一連串椱雜之處理程序，該程序常涉及多方之關係人，包括消費者、保險公司、車禍處理人員、理賠人員、汽車修理廠與汽車製造商等。交通事故所致之汽車損壞，其處理程序，其實是相當值得觀察的，包括賠案登錄、損失金額之認定、賠款之處理與賠案之稽核等，均須耗費龐大之人力。
於台灣，汽車損失金額之認定，傳統上均由汽車修理廠師傅依其主觀判斷加以衡量，因為缺乏客觀標準與不夠精確，因此常導致消費者、汽車修理廠與保險人間之糾紛。由於估價不夠精確，因此影響汽車保險之經營甚劇。歐美先進國家產險業者，為達到汽車製造商要求之水準，保障被保險人行車安全，常以共同危險團體管理人自居，力求汽車修理成本之控制，保障被保險人之權益；而為了消弭理賠糾紛、提升保險公司服務品質與商譽，更致力於保險理賠的電腦化、標準化、數位化，以期提供公正、客觀、高效率之理賠。有鑑於此德國Audatex公司早在六○年代便極力發展此種電腦估價系統，運用電腦之資料處理簡化車輛估價之理念。
台灣地區汽車保險業務十年來平均占產物保險業總業務之59%，汽車保險理賠問題嚴重且持續，一套正確、客觀、有效率之估價系統，可以真實反映損失狀況，對於公平合理之費率釐定有重大之意義。
本文乃從實務角度探討Audatex電腦估價系統在台灣產險市場運用之可行性及其效益分析，比較英國、日本等先進國家之經驗，並發現該系統之運作不但對保險公司經營汽車保險有極大之助益，對消費者權益之維護亦有相當大之幫助。於後並建議於引進Audatex電腦估價系統之前，應先成立汽車修理研究中心，使兩者之能夠相輔相成，期能為業界提供決策與方針，加強管理技術，提供消費者更完善之服務。 / Road traffic accidents occur every day and spark a sequence of complex claim settlement procedure to consumers, motor insurers, accidents managers, loss assessors, repairers, motor manufacturers and many other related parties. In each claim of motor damages, a few linked stages need to be observed, i.e. claim registration, estimating and approving the repair cost, completing the repair work, auditing and invoicing claim settlement.
In Taiwan, it is conventional that car repairers estimate motor damages by their individual discretion and opinions case by case. Given lack of objectiveness and accuracy, it often causes a lot of arguments and conflicts among consumers, motor insurers and car repairers. Under such a circumstance, it calls for a need for an end-to-end and comprehensive system to manage the above procedure.
The Audatex system, a computerized estimating and integrated claims management system, is adopted in many developed countries to assist motor insurers in claim handling and cost estimating more efficiently. It could not only reduce duplication and errors, but also improve authorization turnaround time. All estimates are calculated and validated through the system, with the rate and terms of business agreed between individual repairers and work providers. Based on the most up-to-date parts and labor information, a fully cost assessment, is automatically sent to the work provider in the approved format.
This paper is to examine the feasibility of introducing the Audatex to the motor insurance market in Taiwan. The main theme of this paper is to examine the feasibility of the Audatex in Taiwan motor insurance market. It analyzes the cost of establishing such a system and compares the experiences in certain countries, such as Japan and U.K. It observes that a computerized estimating system would be invaluable both for repairers and work providers. It is suggested that Taiwan shall firstly have a motor vehicle repair research center in place and then a computerized estimating system such as the Audatex.
| Identifer | oai:union.ndltd.org:CHENGCHI/A2010000559 |
| Creators | 葉金印 |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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