How to avoid disputes over car insurance damages? How to deal with the insurance company s vehicle d

Easy to insure but difficult to claim. Many car owners always have lingering palpitations about claims, especially for how to assess the damage after the vehicle is insured, which is not very clear, and it is easier to dispute with the insurance company.

Auto insurance claims and damage assessment disputes often focus on repairs, mainly in the following two situations:

One is the dispute over the repair, and the other is the dispute over the replacement or repair of the lost parts.

1. The amount of loss assessment is negotiable.

In the controversy over the assessment of car insurance damages, the controversy over repair** accounts for the majority. It often happens that the repair cost given by the repair shop is higher than the amount of loss approved by the insurance company's loss adjuster.

Generally speaking, the damage assessor will refer to the market maintenance ** to determine a reasonable repair amount when assessing the damage. However, due to the purchase channel and other reasons, the parts imported by the maintenance plant are higher, or the maintenance plant is due to other reasons, resulting in a relatively high maintenance amount. In this case, if the customer has any objection to the amount of damage, he can actually communicate more with the damage assessor, and the loss assessor will negotiate with the repair plant to deal with it.

In fact, most insurance companies are not "one number for life", and there is still room for negotiation.

2. The maintenance method is determined in advance.

In addition to the fact that maintenance is easy to dispute, after some parts of the vehicle are damaged, whether it should be replaced or should be repaired and continued to be used, the opinions of the policyholder and the damage assessor are also prone to disagreement.

Generally speaking, the insurance company's treatment opinions on the lost parts of the vehicle are mainly repaired, that is, if the lost parts can be repaired and used without affecting the normal use function, they should be repaired. If the missing part cannot be repaired, the lost part can be replaced. Therefore, before or during the maintenance, it is recommended that the policyholder negotiate with the damage assessor in time to determine the maintenance method to ensure that the corresponding compensation can be obtained.

Three: damage assessment and maintenance should go to one place.

In addition to the above two reminders, if you have confirmed with the surveyor in the early stage that the amount of loss is determined according to the maintenance method of the 4S shop, do not go to the ordinary repair shop for maintenance. Because the maintenance amount required by the 4S shop is higher than the maintenance amount of the ordinary repair shop, if the customer pays the maintenance fee to the ordinary repair shop according to the damage assessment amount of the 4S shop, it is equivalent to the customer's maintenance cost is overpaid. When the time comes to make a claim, the insurance company will reconfirm the amount of loss according to the standard of the repair shop actually selected by the customer, and the car owner may incur unnecessary expenses.

When the insurance company thinks that the key parts of the accident car are not seriously collided and can be sold at a good price after repair, it will negotiate with the customer for a total loss. Normally, there is nothing wrong with that, just follow the normal process according to the contract.

But there are some loss assessors who will make some small moves for personal gain, why the salary of the loss assessor is not high, but they are trying to squeeze their heads in, just because the oil and water are too big, beyond your imagination.

There are too many examples of the loss assessor and each party of the 4S store having ghosts, from the beginning of trying to make profits for themselves to the end of the partnership with the car owner.

One: The loss assessor is trying to let you do the total loss treatment, in fact, in order to make the difference, for your own personal gain.

He will give the owner a very low **, saying that the market ** is this price. The first step of the loss assessor is to test whether you understand the calculation of the amount of compensation, if you find that the owner does not understand, he will improve a little more, and eventually will be closed with a lower **, then after the transaction, how does the claimant earn the difference?

1: Buy the ownership of the vehicle in the name of a friend, and then the claimant will follow the normal compensation process, and the final compensation amount is much higher than the ** of buying a car, and the mid-to-high-end car can earn at least tens of thousands.

2: Inform the familiar repair shop of the vehicle information, earn information fees from the middle, and then earn at least 5,000 yuan in accordance with the normal compensation process.

Two: The 4S shop does everything possible to let you repair it and not scrap it, of course he is to earn repair costs, which is understandable.

Some car owners feel that the vehicle has an accident, and the safety will be affected after maintenance, which is more repulsive. I want to dispose of it as soon as possible and get the compensation payment to buy a new car. At this time, the 4S shop will persuade the customer, there will be no problems after the car is repaired, to believe in our maintenance level, even if it is repaired and then sold, it is higher than the insurance company's compensation payment, if the owner still does not agree at this time, then the 4S shop will inform the owner, as long as you agree to repair the car in me, I can give you a refund.

Some money-hungry customers will agree. But you have to know that the wool is out of the body, and many parts that need to be replaced will not be replaced for you, and the maintenance quality will be much worse, and when you sell the car in the future, you will not be able to sell it at a high price.

Three: How do the 4S shops and the damage assessor go from opposing parties to uniting car owners.

The maintenance of the 4S shop can determine whether the vehicle meets the total loss standard, after all, the insurance company still has this regulation, and the requirements of each insurance company are different, ranging from 50% to 80%. When the 4S shop finds that the owner does not agree to the maintenance requirements for total loss, it will reduce the maintenance **, so that the total loss standard will not be met, and the loss assessor will not be able to do anything, so it will not make the difference, so it has to partner with the 4S shop. Inform the customer that after re-assessment, the total loss standard cannot be met, and it can only be repaired.

If you go out of danger and find a repair shop or 4S shop that you can trust, there is generally no problem if you have an acquaintance and check the list yourself.

There are several ways to deal with car insurance claims disputes:

1. Negotiate and settle. After a dispute arises, the two parties should negotiate in good faith and seek truth from facts, make concessions to each other, and reach a settlement agreement acceptable to both parties. There are generally two methods of negotiated settlement: self-settlement and third-party mediation.

Self-settlement means that there is no third party involved, and the parties directly negotiate; A third party presides over the settlement, that is, a third party other than the parties mediates between the two parties to facilitate the two parties to reach a settlement agreement.

2. Complain to the local office of the CIRC. If the insurer and the insurer have violated the laws and regulations of the country or violated discipline in the course of business development, they can complain to the local insurance regulatory office and resolve it through administrative channels.

3. Arbitration. Arbitration is a written agreement between the parties to a contract before or after the dispute arises that they are willing to refer their dispute to a third party agreed by both parties to adjudicate the dispute, and the arbitrator decides the dispute between the parties in the capacity of adjudicator rather than mediator.

4. Litigation. Litigation to resolve insurance disputes refers to the people's court examining insurance disputes in accordance with the litigation procedures prescribed by law, and making judgments or rulings on the basis of ascertaining the facts and distinguishing responsibilities. Litigation to resolve insurance disputes is the judicial activity of the People's Wang Yunyou Court, and the legal judgments made by it have the force of state coercion, and the parties must enforce them.

Legal basis. Article 74 of the Road Traffic Safety Law of the People's Republic of China.

In the case of a dispute over compensation for damage caused by a traffic accident, the parties may request mediation by the traffic management department of the public security organ, or may directly file a civil lawsuit with the people's court.

After mediation by the traffic management department of the public security organ, if the parties fail to reach an agreement or do not perform after the mediation agreement takes effect, the parties may file a civil lawsuit with the people's court.

1. Find an insurance repair shop and a messenger, let both parties negotiate**, and if both parties agree, you can re-apply for compensation;

2. You can report to the Insurance Regulatory Commission.

Complaints; 3. Or go to the court to file a lawsuit.

The function and significance of insurance mainly lies in the fact that it can provide necessary protection, carry out risk planning, rationally allocate funds, and have leverage. The details are as follows:

1. Provide necessary protection: insurance can provide protection for common accident, health, death and other risk factors, which can reduce risk losses and effectively resist risks;

2. Risk planning: Individuals or families can use insurance tools for life planning.

transfer possible risks in advance;

3. Reasonable allocation of funds: insurance has a certain investment nature, and can be passed on by designating beneficiaries, which is a tool for allocating funds;

4. Leverage: Insurance Kaisen can exchange a relatively small premium for a higher sum insured.

With leverage, it can enable the insured to obtain better protection.

Insurance precautions are as follows:

1. Reasonable interest in the hesitation period of boring acres.

Life insurance for more than one year.

There is a cooling-off period for the product. The cooling-off period is a period of 15 days from the date of receipt and written receipt of the policy. If the consumer is not satisfied with the type of insurance he has purchased or the insurance company he has chosen, he or she can terminate the contract with the insurance company during the hesitation period, and the insurance company will refund all the insurance premiums after deducting the cost of production (generally 10 yuan);

2. Cooperate with the return visit. If the insurance company conducts a return visit by **, letter, door-to-door, etc., please ask the insurance company to ask questions, and at the same time you can ask the insurance company to answer questions about the relevant issues of the insurance contract;

3. Renew the insurance premium in time. If you purchase insurance that pays in installments, you must remember to pay in time to avoid the suspension of the insurance contract;

4. Dispute resolution channels. If there is an insurance contract dispute between the insured and the insurance company, it can be resolved through negotiation, mediation, arbitration, litigation and other means. In the event of a dispute, the two parties shall first conduct friendly negotiations and strive to reach an agreement.

Damage assessment shall be carried out according to the following: (1) If a traffic accident occurs between a motor vehicle and a motor vehicle, all parties to the accident shall bear the same civil liability. (2) In the event of a traffic accident between a motor vehicle and a non-motor vehicle driver or pedestrian, the motor attendant shall bear all civil liabilities.

3) In the event of a traffic accident between non-motorized vehicles or between non-motorized vehicles and pedestrians, all parties to the accident shall bear the same civil liability.

1. Timely reporting of car insurance claims: In addition to reporting to the traffic management department, the owner must remember to report to the underwriting insurance company in time (the general insurance company requires to report the accident within 48 hours after the accident), truthfully state the accident and provide relevant documents.

2. Damage assessment and maintenance of car insurance claims: After an accident, if the owner does not report to the insurance company, the vehicle will be repaired first, and the insurance company believes that the repair cost is higher than the cost of damage assessment when making a claim, and the difference will be borne by the owner himself. Therefore, it is necessary to negotiate with the insurance company's damage assessor to determine the repair** and location before repairing.

3. Instructions for car insurance claims: If the vehicle is driving in other places, if a road traffic accident occurs, you should notify the insurance company as soon as possible, and you can call the insurance company to report the case**, and tell the insurance company your license plate number and the name of the policyholder. The other party entrusts a local company to conduct an investigation and issue an inspection report, or the insurance company's local branch comes to investigate and provide assistance.

4. Protection of the site of auto insurance claims: The insurance company has the right to choose to reduce or not to compensate for losses that cannot be determined due to the destruction of the scene. Therefore, try to protect the scene after an accident.

If you have to drive away from the scene due to obstructing traffic, you should use your mobile phone or camera to take more pictures of the accident scene, and mark the location and direction of the vehicle at the scene, so as to restore the on-site status for the insurance company's claim and damage assessment personnel as much as possible.

5. Reasonable claims for car insurance claims: The rate of car insurance renewal is linked to the number of claims, if the insurance company has to pay for it regardless of the size of the accident, it may eventually lead to the rate of your renewal being increased. Therefore, after the accident, you should judge and do not report the accident if it is a minor accident.