{"id":21285,"date":"2024-09-30T14:30:43","date_gmt":"2024-09-30T19:30:43","guid":{"rendered":"https:\/\/bolttech.io\/insights\/xay-dung-moi-quan-he-khach-hang-lam-the-nao-cac-cong-ty-bao-hiem-se-ton-tai-chi-phi-gia-tang\/"},"modified":"2024-11-06T17:32:27","modified_gmt":"2024-11-06T22:32:27","slug":"xay-dung-moi-quan-he-khach-hang-lam-the-nao-cac-cong-ty-bao-hiem-se-ton-tai-chi-phi-gia-tang","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/xay-dung-moi-quan-he-khach-hang-lam-the-nao-cac-cong-ty-bao-hiem-se-ton-tai-chi-phi-gia-tang\/","title":{"rendered":"X\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng: L\u00e0m th\u1ebf n\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd t\u1ed3n t\u1ea1i chi ph\u00ed gia t\u0103ng"},"content":{"rendered":"\n

Gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f2n ch\u1ec9 l\u00e0 cung c\u1ea5p m\u1ee9c gi\u00e1 t\u1ed1t nh\u1ea5t c\u00f3 th\u1ec3. Thay v\u00e0o \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C ph\u1ea3i t\u1eadp trung v\u00e0o vi\u1ec7c b\u00e1n cho kh\u00e1ch h\u00e0ng gi\u00e1 tr\u1ecb t\u1ed5ng th\u1ec3 c\u1ee7a m\u1ed1i quan h\u1ec7 b\u1ea3o hi\u1ec3m.<\/p>\n\n

L\u00f2ng trung th\u00e0nh l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng trong m\u1ed1i quan h\u1ec7 gi\u1eefa c\u00f4ng ty v\u00e0 kh\u00e1ch h\u00e0ng trong m\u1ed9t lo\u1ea1t c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p, bao g\u1ed3m c\u1ea3 b\u1ea3o hi\u1ec3m.<\/p>\n\n

“N\u1ebfu kh\u00f4ng c\u00f3 l\u00f2ng trung th\u00e0nh, b\u1ea1n c\u00f3 nguy c\u01a1 m\u1ea5t s\u1ef1 ch\u00fa \u00fd c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 n\u1ebfu b\u1ea1n kh\u00f4ng coi tr\u1ecdng m\u1ed1i quan h\u1ec7, b\u1ea1n s\u1ebd \u0111\u1ea9y kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh \u0111\u1ebfn m\u1ed9t \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh”, t\u00e1c gi\u1ea3 v\u00e0 c\u1ed1 v\u1ea5n t\u00e0i s\u1ea3n Ron Carson<\/a> vi\u1ebft tr\u00ean Forbes.<\/p>\n\n

X\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 b\u1ec1n ch\u1eb7t v\u1edbi kh\u00e1ch h\u00e0ng l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft, nh\u01b0ng c\u00e1c \u0111\u1ea1i l\u00fd c\u00f3 th\u1ec3 l\u00e0m g\u00ec \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o m\u1ed1i quan h\u1ec7 n\u00e0y? T\u1eeb vi\u1ec7c thu h\u00fat kh\u00e1ch h\u00e0ng trung th\u00e0nh \u0111\u1ebfn x\u00e2y d\u1ef1ng l\u00f2ng tin v\u1edbi kh\u00e1ch h\u00e0ng hi\u1ec7n t\u1ea1i, sau \u0111\u00e2y l\u00e0 c\u00e1ch truy\u1ec1n \u0111\u1ea1t gi\u00e1 tr\u1ecb d\u1ecbch v\u1ee5 c\u1ee7a b\u1ea1n ngay c\u1ea3 khi chi ph\u00ed t\u0103ng cao v\u00e0 ng\u00e0nh thay \u0111\u1ed5i.<\/p>\n\n

Chi ph\u00ed gia t\u0103ng v\u00e0 ph\u1ea3n \u1ee9ng c\u1ee7a kh\u00e1ch h\u00e0ng<\/h2>\n\n

Chi ph\u00ed t\u0103ng trong b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong l\u00e0 m\u1ed1i quan t\u00e2m th\u01b0\u1eddng tr\u1ef1c c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. Ch\u00fang c\u0169ng t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn kh\u00e1ch h\u00e0ng, nh\u1eefng ng\u01b0\u1eddi ph\u1ea3n \u1ee9ng v\u1edbi vi\u1ec7c t\u0103ng gi\u00e1 b\u1eb1ng c\u00e1ch \u01b0u ti\u00ean gi\u00e1 h\u01a1n l\u00e0 gi\u00e1 tr\u1ecb t\u1ed5ng th\u1ec3 khi l\u1ef1a ch\u1ecdn c\u00f4ng ty b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t \u0111\u00fang ng\u00e0y nay, khi kh\u00e1ch h\u00e0ng c\u00f3 nhi\u1ec1u quy\u1ec1n truy c\u1eadp h\u01a1n v\u00e0o gi\u00e1 c\u1ea3 v\u00e0 c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng so s\u00e1nh gi\u00e1 tr\u1ef1c tuy\u1ebfn h\u01a1n. <\/p>\n\n

Chi ph\u00ed gia t\u0103ng: B\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/h3>\n\n

Chi ph\u00ed t\u0103ng cao \u0111\u00e3 khi\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 m\u1ea5t ti\u1ec1n ngay c\u1ea3 khi h\u1ecd thu h\u00fat th\u00eam nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m cao h\u01a1n. V\u00ed d\u1ee5, v\u00e0o n\u0103m 2017, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u1ee7a State Farm \u0111\u00e3 l\u1ed7 2,8 t\u1ef7 \u0111\u00f4 la m\u1eb7c d\u00f9 thu th\u00eam 2,8 t\u1ef7 \u0111\u00f4 la ti\u1ec1n ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 c\u1eaft gi\u1ea3m chi ph\u00ed 1,6 t\u1ef7 \u0111\u00f4 la so v\u1edbi n\u0103m 2016, theo John Huetter<\/a> trong Repairer Driven News. <\/p>\n\n

T\u1ed5n th\u1ea5t v\u1eabn x\u1ea3y ra m\u1eb7c d\u00f9 t\u1ea7n su\u1ea5t khi\u1ebfu n\u1ea1i \u0111\u00e3 gi\u1ea3m. Allstate b\u00e1o c\u00e1o r\u1eb1ng s\u1ed1 l\u01b0\u1ee3ng khi\u1ebfu n\u1ea1i \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1eb1ng thanh to\u00e1n \u0111\u00e3 gi\u1ea3m 5,2 ph\u1ea7n tr\u0103m v\u00e0o n\u0103m 2017, Matt Winter<\/a> , ch\u1ee7 t\u1ecbch th\u01b0\u01a1ng hi\u1ec7u Allstate cho bi\u1ebft. <\/p>\n\n

Thu\u1ebf quan \u0111\u00e1nh v\u00e0o th\u00e9p v\u00e0 c\u00e1c m\u1eb7t h\u00e0ng nh\u1eadp kh\u1ea9u kh\u00e1c d\u1ef1 ki\u1ebfn s\u1ebd l\u00e0m t\u0103ng m\u1ed9t s\u1ed1 chi ph\u00ed, bao g\u1ed3m c\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m \u00f4 t\u00f4. Khi chi ph\u00ed cho c\u00e1c b\u1ed9 ph\u1eadn c\u1ee7a xe nh\u01b0 th\u00e9p t\u0103ng l\u00ean, chi ph\u00ed s\u1eeda ch\u1eefa ho\u1eb7c thay th\u1ebf c\u00e1c b\u1ed9 ph\u1eadn xe b\u1ecb h\u01b0 h\u1ecfng c\u0169ng t\u0103ng theo, t\u1eeb \u0111\u00f3 l\u00e0m t\u0103ng chi ph\u00ed b\u1ea3o hi\u1ec3m cho nh\u1eefng xe \u0111\u00f3.<\/p>\n\n

“T\u00f4i kh\u00f4ng ch\u1eafc c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 s\u1eb5n s\u00e0ng \u0111\u1ec3 th\u1ea5y c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng lo\u1ea1i t\u0103ng gi\u00e1 m\u00e0 h\u1ecd s\u1ebd c\u1ea7n \u0111\u1ec3 th\u1ef1c hi\u1ec7n to\u00e0n b\u1ed9 c\u00e1c ch\u00ednh s\u00e1ch n\u00e0y – v\u00e0 t\u00f4i ch\u1eafc ch\u1eafn kh\u00f4ng ngh\u0129 r\u1eb1ng ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u00e3 s\u1eb5n s\u00e0ng cho vi\u1ec7c t\u0103ng gi\u00e1 \u0111\u1ed9t ng\u1ed9t”, Nat Wienecke<\/a> thu\u1ed9c Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Th\u01b0\u01a1ng vong T\u00e0i s\u1ea3n Hoa K\u1ef3 (PCIAA) n\u00f3i.<\/p>\n\n

Chi ph\u00ed gia t\u0103ng: Thi\u00ean tai<\/h3>\n\n

Th\u1ea3m h\u1ecda thi\u00ean nhi\u00ean \u0111\u00e3 d\u1eabn \u0111\u1ebfn t\u1ed5n th\u1ea5t b\u1ea3o hi\u1ec3m k\u1ef7 l\u1ee5c trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. M\u1ed9t lo\u1ea1t c\u00e1c v\u1ee5 ch\u00e1y r\u1eebng n\u0103m 2017 \u0111\u00e3 g\u00e2y ra t\u1ed5n th\u1ea5t b\u1ea3o hi\u1ec3m l\u00ean t\u1edbi 14 t\u1ef7 \u0111\u00f4 la, m\u1ee9c chi ph\u00ed cao nh\u1ea5t t\u1eeb tr\u01b0\u1edbc \u0111\u1ebfn nay trong m\u1ed9t n\u0103m, theo b\u00e1o c\u00e1o c\u1ee7a Aon Benfield v\u00e0 Impact Forecasting. <\/p>\n\n

M\u1eb7c d\u00f9 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 ph\u1ea3i ch\u1ecbu t\u1ed5n th\u1ea5t \u0111\u00e1ng k\u1ec3 do thi\u00ean tai, nh\u01b0ng \u0111\u00f3ng g\u00f3p c\u1ee7a h\u1ecd v\u00e0o chi ph\u00ed s\u1eeda ch\u1eefa v\u00e0 thay th\u1ebf ch\u1ec9 chi\u1ebfm 3 ph\u1ea7n tr\u0103m chi ph\u00ed th\u1ef1c t\u1ebf c\u1ee7a c\u00e1c s\u1ef1 ki\u1ec7n n\u00e0y v\u00e0o n\u0103m 2017. Theo b\u00e1o c\u00e1o, t\u1ed5ng chi ph\u00ed kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c th\u1ea3m h\u1ecda thi\u00ean nhi\u00ean li\u00ean quan \u0111\u1ebfn th\u1eddi ti\u1ebft \u0111\u00e3 l\u00ean t\u1edbi 344 t\u1ef7 \u0111\u00f4 la v\u00e0o n\u0103m 2017, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 97 ph\u1ea7n tr\u0103m t\u1ed5ng chi ph\u00ed. <\/p>\n\n

“Khi c\u00e1c k\u1ecbch b\u1ea3n th\u1eddi ti\u1ebft ng\u00e0y c\u00e0ng bi\u1ebfn \u0111\u1ed9ng v\u1ec1 quy m\u00f4 v\u00e0 t\u00e1c \u0111\u1ed9ng ti\u1ec1m t\u00e0ng c\u1ee7a ch\u00fang, vi\u1ec7c x\u00e1c \u0111\u1ecbnh c\u00e1c c\u00e1ch \u0111\u1ec3 n\u00e2ng cao nh\u1eadn th\u1ee9c, c\u1ea3i thi\u1ec7n giao ti\u1ebfp v\u00e0 gi\u1ea3m kho\u1ea3ng c\u00e1ch b\u1ea3o v\u1ec7 b\u1ea3o hi\u1ec3m tr\u1edf n\u00ean c\u1ea5p thi\u1ebft h\u01a1n bao gi\u1edd h\u1ebft”, Steve Bowen<\/a>, nh\u00e0 kh\u00ed t\u01b0\u1ee3ng h\u1ecdc v\u00e0 gi\u00e1m \u0111\u1ed1c t\u1ea1i Impact Forecasting cho bi\u1ebft.<\/p>\n\n

Ph\u1ea3n h\u1ed3i c\u1ee7a kh\u00e1ch h\u00e0ng<\/h3>\n\n

Kho\u1ea3ng c\u00e1ch b\u1ea3o hi\u1ec3m x\u1ea3y ra khi tai n\u1ea1n, thi\u00ean tai v\u00e0 c\u00e1c s\u1ef1 ki\u1ec7n kh\u00e1c g\u00e2y ra t\u1ed5n th\u1ea5t kinh t\u1ebf kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3. Kho\u1ea3ng c\u00e1ch n\u00e0y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i c\u1ee7a m\u1ed9t c\u1ed9ng \u0111\u1ed3ng ho\u1eb7c m\u1ed9t qu\u1ed1c gia sau thi\u00ean tai, Michelle Kerr<\/a> t\u1ea1i Risk & Insurance cho bi\u1ebft. <\/p>\n\n

Kh\u00e1ch h\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng mua b\u1ea3o hi\u1ec3m nh\u01b0ng ch\u1ecdn kh\u00f4ng g\u00e2y ra m\u1ed9t ph\u1ea7n, n\u1ebfu kh\u00f4ng mu\u1ed1n n\u00f3i l\u00e0 to\u00e0n b\u1ed9, kho\u1ea3ng c\u00e1ch. Nhi\u1ec1u kh\u00e1ch h\u00e0ng trong s\u1ed1 n\u00e0y t\u1eeb b\u1ecf b\u1ea3o hi\u1ec3m ho\u1eb7c mua \u00edt ph\u1ea1m vi b\u1ea3o hi\u1ec3m h\u01a1n m\u1ee9c h\u1ecd c\u1ea7n khi h\u1ecd kh\u00f4ng hi\u1ec3u gi\u00e1 tr\u1ecb m\u00e0 b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd cung c\u1ea5p. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 v\u1ebb nh\u01b0 l\u00e0 m\u1ed9t chi ph\u00ed kh\u00f4ng c\u1ea7n thi\u1ebft \u2014 v\u00e0 do \u0111\u00f3, kh\u00e1ch h\u00e0ng tr\u00e1nh n\u00f3. <\/p>\n\n

Tonya Freysoldt<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u kh\u00e1c t\u1ea1i McKinsey & Co. cho bi\u1ebft ng\u00e0y nay, kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn nhi\u1ec1u th\u00f4ng tin h\u01a1n so v\u1edbi nh\u1eefng th\u1eadp k\u1ef7 tr\u01b0\u1edbc nh\u1edd v\u00e0o c\u00f4ng ngh\u1ec7 s\u1ed1 h\u00f3a. Kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c trang b\u1ecb t\u1ed1t h\u01a1n bao gi\u1edd h\u1ebft \u0111\u1ec3 so s\u00e1nh gi\u00e1 c\u1ea3 v\u00e0 gi\u00e1 c\u1ea3 l\u00e0 m\u1ed1i quan t\u00e2m ch\u00ednh khi mua b\u1ea3o hi\u1ec3m. <\/p>\n\n

\"\"<\/figure>\n\n

Kh\u00e1ch h\u00e0ng \u0111\u00e1nh gi\u00e1 cao \u0111i\u1ec1u g\u00ec \u1edf b\u1ea3o hi\u1ec3m P&C?<\/h2>\n\n

B\u00ean c\u1ea1nh gi\u00e1 c\u1ea3, kh\u00e1ch h\u00e0ng ng\u00e0y c\u00e0ng \u0111\u00e1nh gi\u00e1 cao tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng t\u1ed1t.<\/p>\n\n

\u201cKh\u00e1ch h\u00e0ng mu\u1ed1n s\u1ef1 \u0111\u01a1n gi\u1ea3n, r\u00f5 r\u00e0ng h\u01a1n\u201d, Olaf Frank<\/a> c\u1ee7a Munich Re Group cho bi\u1ebft. \u00d4ng n\u00f3i th\u00eam r\u1eb1ng kh\u00e1ch h\u00e0ng ch\u1ec9 tr\u00edch nhi\u1ec1u h\u01a1n v\u1ec1 nh\u1eefng g\u00ec h\u1ecd mua v\u00e0 l\u00fd do t\u1ea1i sao. S\u1ef1 minh b\u1ea1ch kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng mu\u1ed1n hi\u1ec3u h\u1ee3p \u0111\u1ed3ng m\u00e0 c\u00f2n \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi mu\u1ed1n hi\u1ec3u gi\u00e1 tr\u1ecb m\u00e0 b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd mang l\u1ea1i. <\/p>\n\n

Tr\u1ea3i nghi\u1ec7m c\u1ee7a ng\u01b0\u1eddi d\u00f9ng c\u0169ng c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn lo\u1ea1i b\u1ea3o hi\u1ec3m m\u00e0 kh\u00e1ch h\u00e0ng ch\u1ecdn mua. V\u00ed d\u1ee5, m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m h\u1ee9a h\u1eb9n s\u1ebd n\u00e2ng cao tr\u1ea3i nghi\u1ec7m c\u1ee5 th\u1ec3, ch\u1eb3ng h\u1ea1n nh\u01b0 b\u1ea3o hi\u1ec3m du l\u1ecbch, theo l\u1eddi ng\u01b0\u1eddi \u1ee7ng h\u1ed9 ng\u01b0\u1eddi ti\u00eau d\u00f9ng Christopher Elliott<\/a> . <\/p>\n\n

Elliott khuy\u00ean kh\u00e1ch h\u00e0ng n\u00ean t\u00ecm ki\u1ebfm d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng t\u1ed1t t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh. \u201cC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t hi\u1ec3u r\u1eb1ng \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n v\u00e0 h\u1ecd \u0111ang c\u1ed1 g\u1eafng gi\u00fap \u0111\u1ee1.\u201d<\/p>\n\n

Maryalene LaPonsie<\/a> t\u1ea1i US News & World Report cho bi\u1ebft ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1eabn t\u00ecm \u0111\u1ebfn c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c lo\u1ea1i th\u00f4ng tin v\u00e0 m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u00e0 h\u1ecd mong mu\u1ed1n. Tuy nhi\u00ean, nh\u1eefng kh\u00e1ch h\u00e0ng th\u00edch t\u1ef1 mua b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn v\u1eabn coi tr\u1ecdng m\u1ed1i quan h\u1ec7 c\u00e1 nh\u00e2n h\u00f3a v\u00e0 d\u1ec5 hi\u1ec3u. <\/p>\n\n

Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, \u0111i\u1ec1u m\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 coi tr\u1ecdng nh\u1ea5t l\u00e0 th\u1ee9 m\u00e0 h\u1ecd kh\u00f4ng nh\u1eadn ra r\u1eb1ng h\u1ecd c\u1ea7n tr\u01b0\u1edbc khi th\u1ea3m h\u1ecda x\u1ea3y ra: nhu c\u1ea7u c\u1ea3m th\u1ea5y an to\u00e0n. V\u00e0o n\u0103m 2018, c\u01a1 quan l\u1eadp ph\u00e1p ti\u1ec3u bang California \u0111\u00e3 xem x\u00e9t m\u1ed9t d\u1ef1 lu\u1eadt y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 \u00edt nh\u1ea5t 80 ph\u1ea7n tr\u0103m n\u1ed9i dung c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ho\u1eb7c ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n \u2014 m\u00e0 kh\u00f4ng y\u00eau c\u1ea7u ki\u1ec3m k\u00ea chi ti\u1ebft. \u0110i\u1ec1u n\u00e0y m\u1ed9t ph\u1ea7n l\u00e0 do vi\u1ec7c bi\u00ean so\u1ea1n ki\u1ec3m k\u00ea \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0m tr\u1ea7m tr\u1ecdng th\u00eam ch\u1ea5n th\u01b0\u01a1ng t\u00e2m l\u00fd c\u1ee7a m\u1ed9t th\u1ea3m h\u1ecda, Kathleen Pender<\/a> vi\u1ebft tr\u00ean t\u1edd San Francisco Chronicle. <\/p>\n\n

\"\"<\/figure>\n\n

Truy\u1ec1n \u0111\u1ea1t gi\u00e1 tr\u1ecb \u0111\u1ebfn kh\u00e1ch h\u00e0ng<\/h2>\n\n

\u0110\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi chi ph\u00ed t\u0103ng cao, m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C \u0111\u00e3 ng\u1eebng cung c\u1ea5p m\u1ed9t s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u1ea5t \u0111\u1ecbnh, t\u0103ng t\u1ef7 l\u1ec7 kh\u00f4ng gia h\u1ea1n ho\u1eb7c \u0111\u01a1n gi\u1ea3n l\u00e0 ch\u1ecbu l\u1ed7 v\u00ec s\u1ee3 m\u1ea5t kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch t\u0103ng ph\u00ed b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, Greg Rose<\/a> , gi\u00e1m \u0111\u1ed1c s\u1ea3n ph\u1ea9m t\u1ea1i c\u00e1c d\u00f2ng th\u01b0\u01a1ng m\u1ea1i c\u1ee7a State Auto Insurance Companies, cho bi\u1ebft kh\u00f4ng n\u00ean tr\u00e1nh ho\u00e0n to\u00e0n vi\u1ec7c t\u0103ng ph\u00ed b\u1ea3o hi\u1ec3m. <\/p>\n\n

“D\u01b0\u1eddng nh\u01b0 c\u00f3 s\u1ef1 ph\u00e2n chia gi\u1eefa c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i \u0111\u00e3 th\u1ef1c hi\u1ec7n c\u00e1c \u0111\u1ee3t t\u0103ng gi\u00e1 c\u01b0\u1edbc c\u1ea7n thi\u1ebft v\u00e0 thay \u0111\u1ed5i b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh \u0111\u1ec3 theo k\u1ecbp xu h\u01b0\u1edbng thua l\u1ed7 so v\u1edbi nh\u1eefng h\u00e3ng kh\u00f4ng th\u1ef1c hi\u1ec7n. Nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng th\u1ef1c hi\u1ec7n thay \u0111\u1ed5i v\u00e0 ch\u1ecdn c\u00e1ch b\u1ecf qua c\u00e1c d\u1ea5u hi\u1ec7u v\u00e0 nh\u00ecn v\u00e0o g\u00f3i t\u1ed5ng th\u1ec3 s\u1ebd b\u1ecb t\u1ed5n th\u01b0\u01a1ng trong d\u00e0i h\u1ea1n, “Rose n\u00f3i.<\/p>\n\n

\u0110\u1ec3 c\u00e2n b\u1eb1ng m\u1ed1i quan t\u00e2m ng\u1eafn h\u1ea1n c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi t\u0103ng tr\u01b0\u1edfng d\u00e0i h\u1ea1n v\u00e0 b\u1ec1n v\u1eefng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111i con \u0111\u01b0\u1eddng trung gian b\u1eb1ng c\u00e1ch truy\u1ec1n \u0111\u1ea1t gi\u00e1 tr\u1ecb cho kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd.<\/p>\n\n

N\u0103ng l\u1ef1c c\u00f4ng ngh\u1ec7<\/h3>\n\n

M\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn c\u00f4ng ngh\u1ec7 t\u00edch h\u1ee3p, th\u00e2n thi\u1ec7n v\u1edbi ng\u01b0\u1eddi d\u00f9ng l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m mu\u1ed1n ch\u1ee9ng minh gi\u00e1 tr\u1ecb cho kh\u00e1ch h\u00e0ng, Joe Beneducci<\/a> t\u1ea1i PropertyCasualty360 n\u00f3i.<\/p>\n\n

C\u00e1c c\u00f4ng c\u1ee5 nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 m\u00e1y h\u1ecdc c\u00f3 th\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng chuy\u1ec3n \u0111\u1ed5i li\u1ec1n m\u1ea1ch qua qu\u00e1 tr\u00ecnh mua b\u1ea3o hi\u1ec3m ho\u1eb7c n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng; s\u1ef1 d\u1ec5 d\u00e0ng n\u00e0y l\u00e0m t\u0103ng gi\u00e1 tr\u1ecb cho to\u00e0n b\u1ed9 quy tr\u00ecnh v\u00e0 c\u1ee7ng c\u1ed1 m\u1ed1i quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng. C\u00e1c n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m t\u00edch h\u1ee3p gi\u00fap nh\u00e2n vi\u00ean c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ea3m b\u1ea3o h\u1ecd c\u00f3 m\u1ecdi th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng, gi\u00fap qu\u00e1 tr\u00ecnh x\u1eed l\u00fd y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng hi\u1ec7u qu\u1ea3 v\u00e0 th\u00e2n thi\u1ec7n h\u01a1n \u0111\u1ed1i v\u1edbi m\u1ecdi ng\u01b0\u1eddi li\u00ean quan. <\/p>\n\n

Nh\u1eadn th\u1ee9c t\u00ecnh hu\u1ed1ng<\/h3>\n\n

John Graham<\/a> t\u1ea1i PropertyCasualty360 so s\u00e1nh m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1edbi v\u1edbi vi\u1ec7c mua m\u1ed9t chi\u1ebfc xe m\u1edbi. L\u00fac \u0111\u1ea7u, th\u1eadt tuy\u1ec7t v\u1eddi, nh\u01b0ng theo th\u1eddi gian, m\u1ecdi s\u1ef1 kh\u00f3 ch\u1ecbu nh\u1ecf nh\u1eb7t b\u1eaft \u0111\u1ea7u t\u00edch t\u1ee5. Graham cho bi\u1ebft, b\u1eb1ng c\u00e1ch lu\u00f4n nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c nh\u1eefng nguy\u00ean nh\u00e2n nh\u1ecf g\u00e2y ra s\u1ef1 b\u1ea5t h\u00f2a nh\u01b0 cu\u1ed9c g\u1ecdi nh\u1ee1, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 gi\u1ea3m b\u1edbt s\u1ef1 kh\u00f3 ch\u1ecbu v\u00e0 t\u0103ng th\u00eam gi\u00e1 tr\u1ecb cho m\u1ed1i quan h\u1ec7. <\/p>\n\n

M\u1ed9t c\u00e1ch \u0111\u1ec3 l\u00e0m d\u1ecbu m\u1ed1i quan h\u1ec7 l\u00e0 th\u00f4ng qua m\u1ed9t trang web v\u00e0 \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng d\u1ec5 s\u1eed d\u1ee5ng. Theo m\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Comscore v\u00e0 Facebook, 64 ph\u1ea7n tr\u0103m kh\u00e1ch h\u00e0ng nghi\u00ean c\u1ee9u b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 tr\u1ef1c tuy\u1ebfn nh\u01b0ng ch\u01b0a \u0111\u1ebfn m\u1ed9t n\u1eeda th\u1ef1c s\u1ef1 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd \u1edf \u0111\u00f3, Maria Sassian<\/a> t\u1ea1i Vi\u1ec7n th\u00f4ng tin b\u1ea3o hi\u1ec3m (III) cho bi\u1ebft. Trong khi 25 ph\u1ea7n tr\u0103m s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi cho bi\u1ebft m\u1ed9t trang web t\u1ed1t \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh c\u1ee7a h\u1ecd v\u1ec1 m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m, th\u00ec 15 ph\u1ea7n tr\u0103m \u0111\u1ed3ng \u00fd r\u1eb1ng m\u1ed9t \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng t\u1ed1t \u0111\u00e3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn l\u1ef1a ch\u1ecdn c\u1ee7a h\u1ecd. <\/p>\n\n

Chi\u1ebfn l\u01b0\u1ee3c ph\u00f9 h\u1ee3p<\/h3>\n\n

Betsy McLeod<\/a> t\u1ea1i Blue Corona cho bi\u1ebft, m\u1eb7c d\u00f9 chi\u1ebfn l\u01b0\u1ee3c t\u1ed1t nh\u1ea5t \u0111\u1ec3 truy\u1ec1n \u0111\u1ea1t gi\u00e1 tr\u1ecb s\u1ebd kh\u00e1c nhau gi\u1eefa c\u00e1c c\u00f4ng ty, nh\u01b0ng m\u1ed7i c\u00e1ch ti\u1ebfp c\u1eadn \u0111\u1ec1u c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p v\u00e0 to\u00e0n di\u1ec7n. “B\u1ea1n c\u1ea7n ph\u1ea3i n\u1ed5i b\u1eadt trong m\u1ed9t th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh \u0111\u1ec3 ng\u01b0\u1eddi l\u1edbn s\u1ebd ch\u1ecdn c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n thay v\u00ec c\u00f4ng ty kh\u00e1c. M\u1ed9t chi\u1ebfn d\u1ecbch ti\u1ebfp th\u1ecb s\u1ebd kh\u00f4ng hi\u1ec7u qu\u1ea3”. <\/p>\n\n

Thay v\u00e0o \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i xem x\u00e9t nh\u1eefng g\u00ec h\u1ecd l\u00e0m t\u1ed1t nh\u1ea5t, sau \u0111\u00f3 chia s\u1ebb th\u00f4ng tin \u0111\u00f3 v\u1edbi kh\u00e1ch h\u00e0ng. Khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng tham gia v\u00e0o m\u1ed1i quan h\u1ec7 c\u00f9ng c\u00f3 l\u1ee3i, c\u1ea3 hai \u0111\u1ec1u c\u00f3 th\u1ec3 ph\u00e1t tri\u1ec3n m\u1ea1nh trong m\u00f4i tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m kh\u1eafc nghi\u1ec7t. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: Antonio Guillem\/\u00a9123RF.com, georgerudy\/\u00a9123RF.com, primagefactory\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f2n ch\u1ec9 l\u00e0 cung c\u1ea5p m\u1ee9c gi\u00e1 t\u1ed1t nh\u1ea5t c\u00f3 th\u1ec3. Thay v\u00e0o \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C ph\u1ea3i t\u1eadp trung v\u00e0o vi\u1ec7c b\u00e1n cho kh\u00e1ch h\u00e0ng gi\u00e1 tr\u1ecb t\u1ed5ng th\u1ec3 c\u1ee7a m\u1ed1i quan h\u1ec7 b\u1ea3o hi\u1ec3m. L\u00f2ng trung th\u00e0nh l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng […]<\/p>\n","protected":false},"featured_media":5507,"template":"","insight-category":[],"class_list":["post-21285","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21285","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/5507"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21285"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21285"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}