If the vehicle is damaged, who has the final say?

There is no specific division, in the repair shop.

Replacement and repair of parts.

The repair shop will tell you, and then just tell the claims adjuster. Generally, it is the repair shop that has the final say. Claims adjusters generally don't object.

Unless the repair shop has gone too far, for example, there are only scratches on the door, but the repair shop wants to change the door, then it is the claims adjuster who has the final say. If you change the door and don't give you the full amount, you'll have to listen to the claims adjuster.

The loss assessor has the final say, last time I bent the balance bar, the repair shop said to knock on it, but it is more time-consuming, if you want to change it is recommended that I find an insurance company, and then I hit the insurance, the insurance adjuster came directly and said to change the new one.

You can find a car appraisal company. to conduct vehicle identification. If the insurance company does not replace it, it can also do a depreciation appraisal and ask the other party to compensate.

Why don't you replace the old parts of the dismantled car?

Is the insurance premium charged on an old basis?

Anbang is a typical ** company.

My car insurance company wiped the telephone pole in Anbang last time, and they didn't pay the claim, and said I did it on purpose.

I am the day of its ancestors.

Is your Anbang insurance person's car okay to touch the side of the telephone pole?

I'm from Rudong, Jiangsu.

They Rudong's loss assessor said that if I don't pay compensation, let me go to the head office (in Beijing)! A few hundred yuan should be given to Anbang, buy paper money and burn it!

My car has been in the past six months, and I haven't paid the compensation yet, and they agreed to change it at the beginning, and when I sent the procedures, it was all in it, and I said that I could get the money after a month, and now I find all kinds of excuses not to pay the full amount of the compensation, and don't go to this kind of company in the future, an absolute cheater.

Whether the damage to the car is replaced or repaired depends on the damage to the vehicle, and the parties and the insurance company discuss and decide together, and the unilateral party has no right to decide.

According to the practice of the insurance industry, first of all, for repairable and replaceable parts, the first thing should be repaired, and for the parts that cannot be repaired, the insurance company will approve the replacement of parts.

However, this is based on the premise that the car can be repaired to a safe driving state, and if both the repairer and the damage adjuster believe that there are still hidden dangers in the safe driving of the car even after some parts are repaired, then the insurance company should also make a decision to replace the parts.

There are other ways to decide whether the damage is replaced or repaired.

If there is a disagreement with the insurance company and a dispute occurs, the consumer needs a professional intermediary to coordinate fairly, such as through the insurance company. According to reports, at present, many insurance companies provide the whole process of claims service, once a dispute is encountered, consumers can deal with the problem through the cooperative relationship between the insurance company and the insurance company and a fair position.

At the same time, the insurance company can also combine the tripartite opinions of the repair shop, the insurance company, and the silver limb customer to give a claim assessment, dissolve and participate in the car insurance claim process in the later negotiation of the claim.

Assist car owners to settle claims quickly and conveniently.

Legal analysis: In general, it is the same, if you go to the repair shop designated by the insurance company for maintenance, basically the maintenance ** is the damage assessment**. The insurance company will also refer to the maintenance opinions of the designated maintenance factory when assessing the damage, and basically rent Naiqing is the principle of "if it can be repaired, it will not be replaced".

Legal basis: Insurance Law of the People's Republic of China

Article 10 An insurance contract is an agreement between the policyholder and the insurer on the relationship of insurance rights and obligations.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract.

An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

Article 13 The insurance contract shall be established upon the consent of the insurer when the policyholder makes an insurance request. The insurer shall issue an insurance policy or other insurance certificate to the policyholder in a timely manner.

The insurance policy or other insurance certificate shall clearly state the content of the contract agreed upon by both parties. The parties may also agree to set out the contents of the contract in other written forms.

An insurance contract established in accordance with the law shall take effect from the time of its establishment. The policyholder and the insurer may agree on a condition or a time limit for the validity of the same.

According to the practice of the insurance industry, first of all, for the parts that can be repaired and replaced, the frank lifting fluid should first be repaired, and for the parts that cannot be repaired, the insurance company will agree to replace the parts that can be repaired. However, this is based on the premise that the car can be repaired to a safe driving state, and if both the repairman and the damage adjuster believe that even if the car is repaired, there are still hidden dangers in the safe driving of the car, the insurance company should also make a decision to replace the parts.