Measures to improve the quality of auto insurance claims adjusters

1. Optimize underwriting channels, and underwrite high-risk, high-payout, and low-value vehicles carefully.

3. Establish high-quality cooperative units, and establish cooperative relations with high-quality repair shops and 4S stores with high qualifications, reasonable repair costs, high repair service quality, and no fraudulent premium records. After guiding the customer out of insurance, go to the company's high-quality cooperative unit to assess the damage and repair the car.

4. Establish a cooperative relationship with the judicial organs, and crack down on and recover compensation from units and individuals who have clear evidence of insurance fraud.

The insurance claims adjuster is specifically responsible for organizing the customer and relevant personnel to investigate and collect evidence at the scene after receiving the notice of investigation and damage assessment, and verify the accident loss of the insurance; Receiving clients, checking and determining the validity of property rights, searching police and hospital records, determining liability; Investigation and evidence collection, collection, collation and review of survey and damage assessment data. Insurance claims adjusters are mainly divided into two types: direct claims by insurers and claims by insurers. In property and liability insurance, there are specific claims adjusters, company claims adjusters and independent claims adjusters.

According to the current situation and development status of different industries, the demand for talents in automotive and medical claims is the largest.

The average annual salary of insurance claims adjusters in China is 10,000 yuan, and the annual salary of claims adjusters in first-tier cities such as Shanghai, Shenzhen, and Guangzhou can reach about 7-80,000 yuan. Among them, the salary provided by European and American WFOEs can be up to multiple times the average salary. The compensation of the claims adjuster is linked to the number of years of service, and the longer the work, the higher the income.

Insurance claims adjusters are generally divided into two types: direct claims by the insurer and claims by the insurer. In property and liability insurance, claims adjusters mainly include claims adjusters, corporate claims adjusters, independent claims adjusters and public claims adjusters. According to the current situation and development status of different industries, the demand for talents in automotive and medical claims is the largest.

Insurance claims adjusters can be promoted to higher-level positions such as claims manager, customer service director, etc., or transferred to other departments of the insurance company or promoted to more senior administrative positions. In addition, good quality allows them to develop in the direction of financial planners, certified public accountants, etc.

Extended reading: [Insurance Kaibiyuan] How to buy, which is better, teach you to avoid these insurance"pits"

There is no legal requirement that the party responsible for the accident must pay in advance. There are personal injuries.

1. If you have purchased commercial body insurance, you don't need to pay for it from home. You can notify the insurance company Qinwei Division, go to the damage assessment center to make a price, and then drive the car to the designated repair shop for repair. The repair shop designated by the insurance company generally has a normal business relationship, and you don't need to pay first, and the insurance company will pay after the car is repaired, and you only need to pay the deductible.

2. Fixed-point maintenance does not necessarily require the owner of the other party to accompany the socks. Of course, the owner of the other car can make a request, but it is up to the insurance company's salesman to decide, and if the insurance company agrees, it can also be handled as above.

3. If the insurance company does not agree with the repair shop proposed by the other party, you should not agree (otherwise, when you make a claim, the insurance company will not work this or not, it will be very troublesome). Therefore, there is no problem with disputes between the two parties, and the repair manufacturer designated by the insurance company should be a qualified maintenance manufacturer, and even if there is a lawsuit, Lu Shouji will not lose.

4. If you don't buy body insurance, you have to pay for it yourself in addition to compulsory traffic insurance, but you can also pay without paying in advance, and you can settle the bill after the repair shop repairs.