摘要主要研究我国汽车保险现状及其未来的发展分析，首先了解与汽车保险相关的理论知识、概念、种类，为论文后续讨论汽车保险行业做基础；然后进一步对目前我国汽车保险发展的现状进行分析，通过对现状的了解，紧接着对中美汽车保险之间的差异进行比较分析，从而发现我国汽车保险产业目前仍然存在着许多问题和不足；之后我们对这些问题和不足进行总结整理概括，并根据我国现实国情提出相应的解决方案和对策；最后对我国未来汽车保险产业的发展趋势进行展望。关键词：汽车保险车险车辆保险机动车辆保险车险业务保险车辆车损险保险责任范围第三者责任险保险AbstractThispapermainlystudiesthepresentsituationandfuturedevelopmentofautomobileinsuranceinChina.Firstly,itunderstandsthetheoreticalknowledge,conceptsandtypesrelatedtoautomobileinsurance,whichisthebasisforthefollow-updiscussionofautomobileinsuranceindustry.ThenitfurtheranalyzesthecurrentsituationofthedevelopmentofautomobileinsuranceinChina,throughtheunderstandingofthecurrentsituation,followedbyacomparativeanalysisofthedifferencesbetweenChinaandtheUnitedStatesinautomobileinsurance.Therefore,itisfoundthattherearestillmanyproblemsandshortcomingsintheautomobileinsuranceindustryofourcountryatpresent.Afterthat,wesummarizetheseproblemsandshortcomings,andputforwardthecorrespondingsolutionsandcountermeasuresaccordingtotheactualsituationofourcountry.Finally,welookforwardtothedevelopmenttrendofChinaundefinedsautomobileinsuranceindustryinthefuture.KeyWords：Automobileinsurance;vehicleinsurance;motorvehicleinsurance;vehicledamageinsurance;liabilityinsurance;thirdpartyliabilityinsurance;insurance目录绪论............................................1第一章汽车保险概述.............................31.1汽车保险的含义.....................................31.2汽车保险对人们的作用...............................31.2.1促进汽车工业的发展，扩大了对汽车的需求...........31.2.2稳定了社会公共秩序..............................41.2.3促进了汽车安全性能的提高........................51.2.4保证道路安全通常................................6第二章汽车保险的种类...........................72.1交强险.............................................72.2车辆损失险.........................................72.3第三者责任险.......................................82.4全车盗抢险.........................................82.5车上责任险.........................................82.6不计免赔险.........................................92.7玻璃单独破损险.....................................9第三章我国汽车保险的发展现状..................113.1我国汽车保险的发展历史............................113.2我国汽车保险发展现状..............................12第四章中外汽车保险比较分析....................134.1中美汽车强制责任保险的比较分析..................134.2中美汽车商业保险的比较分析......................144.3加拿大汽车保险的现状..............................15第五章我国汽车保险存在的问题..................175.1民众投保意识及投保心理的问题......................175.2我国汽车保险业务渠道非常复杂，交易费用也高........175.3客户与保险公司之间的信息不匹配....................185.4我国汽车保险理赔存在漏洞，赔付率高...............195.5保险监管中存在的问题.............................195.6保险品种贫乏，保险费率单一........................205.7保险行业缺少相关人才.............................20第六章我国汽车保险发展的对策..................236.1加强对国民的保险教育与宣传........................236.2拓宽销售渠道、改善理赔漏洞、降低赔付率...........236.3...
