随着中国汽车工业的蓬勃发展、私家车的逐渐普及,汽车成为人们关注的焦点,机动车辆保险(以下简称:车险)也成为国内各财产保险公司的主导产品。研究车险承保与理赔环节存在的问题及治理策略有强烈的现实意义。本文分析了车险市场理赔的多方博弈关系。 With the vigorous development of China’s auto industry and the growing popularity of private cars, automobiles have become the focus of attention. Motor vehicle insurance (hereinafter referred to as auto insurance) has also become the leading product of various domestic property insurance companies. It is of great practical significance to study the problems existing in underwriting and claims section of auto insurance and the management strategies. This article analyzes the auto insurance market claims multi-game relationship.