Insurance adjuster certificate, insurance adjuster qualification certificate

The so-called insurance adjuster refers to an institution established in accordance with the law that independently engages in the assessment and appraisal of insurance accidents and an expert with legal qualifications engaged in the assessment and appraisal of insurance accidents. They are an independent third party who assists in insurance claims, and is entrusted by insurance companies and insureds to provide insurance accident assessment and appraisal services.

Establishment of Insurance Adjusters:

According to the provisions of the "Regulations on the Administration of Insurance Adjusters", insurance adjusters can be in the form of partnerships, limited liability companies, shares, etc. Generally, there should be a promoter, agreement or articles of association, the amount of capital contribution, name and domicile, senior management personnel and adjusters meet the prescribed conditions (such as a bachelor's degree) or have corresponding qualifications.

Procedures for Insurance Adjusters:

Since the appraisal and appraisal results of the insurance adjuster are related to the legitimate interests of the insurance company and the insured, Article 123 of the Insurance Law of the People's Republic of China clearly stipulates this:

1) Both the insurance company and the insured have the right to hire an independent appraisal agency or expert to evaluate and appraise the insured event;

2) The insurance adjuster hired to carry out the appraisal and be firm can be an institution or an individual; However, the institution must be an independent professional institution established in accordance with the law, and the individual must be an expert with legal qualifications.

3) The insurance adjuster shall perform the business fairly in accordance with the law, the assessment shall be based on evidence, comply with the procedures, and the content of the assessment report must be true, accurate and complete. If damage is caused to the insurance company and the insured due to intentional or negligent reasons, the company shall be liable for compensation in accordance with law.

4. The assessment and appraisal fees of the insurance adjuster shall be handled in accordance with the provisions of laws and administrative regulations. That is, the two parties may agree, but they shall comply with the provisions of the Insurance Law and the ** Law, the Contract Law and the relevant laws and administrative regulations on property appraisal.

The contents of the insurance adjuster:

According to the "Regulations on the Administration of Insurance Loss Adjustment Institutions", the content of insurance loss adjustment mainly includes the following items:

1) Inspection, valuation and risk assessment before underwriting of the insurance object;

2) Investigation, inspection, loss assessment and adjustment of the insurance subject after the accident;

3) Other businesses approved by the China Insurance Regulatory Commission.

Insurance Adjuster Regulation:

In order to regulate the conduct of insurance adjusters, the China Insurance Regulatory Commission promulgated the Regulations on the Administration of Insurance Adjusters on November 16, 2001, which came into force on January 1, 2002. At the same time, the China Insurance Regulatory Commission stipulates that insurance adjusters must go through a special qualification examination and obtain a qualification certificate.

The insurance adjuster must register with the competent authority in accordance with the law, deposit a deposit, and obtain a practice certificate, otherwise he shall not perform business. The business performed by the adjuster is also limited to the legal insurance industry, and shall have a fixed business premises, and shall set up a special account book to record business income and expenditure, and accept the supervision and inspection of the competent department.

I am now a loss adjuster, and the loss adjuster is not a position in an insurance company, but a loss adjuster, but with this certificate, it is also relatively good in an insurance company, because it proves that you have a certain ability!

If you read a book for a year, you will definitely be able to get by!

Take the exam twice in 1 year!

There is no expiration date for the qualification examination certificate for insurance practitioners, and it is divided into the following three categories:

1) Insurance sales from the envy of the poor industry personnel qualification certificate.

1. Those who apply for the examination with a college degree or above and pass the examination will be issued the "Insurance Sales Practitioner Qualification Certificate" (A certificate), and can practice in the whole country;

2. Those who apply for the examination with a college degree or above (inclusive) or pass the examination will be issued the "Insurance Sales Practitioner Qualification Certificate" (B certificate), and can practice within the jurisdiction of the Shenzhen Insurance Regulatory Bureau.

2) Insurance Broker Practitioner Qualification Certificate.

Those who require a college degree or above to apply for the examination and pass the examination will be issued the "Insurance Broker Practitioner Qualification Certificate", which can be practiced nationwide.

3) Qualification certificate of insurance adjuster.

Those who require a college degree or above to apply for the examination and pass the examination will be issued the "Insurance Adjuster Qualification Certificate", which can be practiced nationwide.

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Insurance adjusters are called insurance adjusters in China, which refers to the units established with the approval of the China Insurance Regulatory Commission in accordance with the "Insurance Law" and other relevant laws, administrative regulations and the "Regulations on the Administration of Insurance Adjusters", and are entrusted by the insurance parties to specialize in the assessment, inspection, appraisal, loss assessment, adjustment and other businesses of the insurance subject. From an independent standpoint, the insurance adjuster represents objectivity and fairness, evaluates the entrusted matters, and provides services for the insurance parties.

The functions of the insurance adjuster are:

Appraisal functions: including inspection functions, appraisal functions, loss assessment functions and adjustment functions, etc.

Notary functions: First, the insurance adjuster has rich knowledge and skills in insurance adjusting, and is authoritative in judging the conclusion of insurance adjuster; Second, the insurance adjuster should take a middle ground in reviewing the insurance case and be able to make an assessment conclusion that is in the interests of both parties.

Intermediary functions: first, it can be entrusted to both the insurer and the insured; Second, as a third party other than the parties to the insurance relationship, it engages in insurance survey and loss adjustment business activities and provides intermediary services for the parties to the insurance relationship.

The insurance adjuster should have the characteristics of economy, professionalism and detachment. Economical. Insurance adjusters can help insurers reduce costs and improve economic benefits by reserving professional and technical personnel, accepting the entrustment of many insurers, handling different types of insurance loss and loss adjustment business, accumulating insurance loss and loss adjustment experience, and improving the level of insurance loss adjusting. Professionalism.

Due to the handling of different types of insurance claims and appraisal business for many insurance parties, insurance adjusters must have professional engineering and technical personnel with various professional backgrounds and familiar with insurance business, and they are more skilled and experienced in handling insurance claim cases; Detachment. It refers to the transcendent status of the insurance parties, which not only provides the insurance parties with claim settlement technical services in the process of claim settlement, but also alleviates the contradictions between the two parties.

1. What is trademark valuation?

Trademark valuation is the act of confirming, valuing and reporting trademarks according to specific purposes, following fair and statutory standards and procedures, and using appropriate methods to provide a value scale for asset business. Trademark valuation is a type of intangible asset valuation. It has the following characteristics:

Reality. It refers to the evaluation of assets according to the market, environment, trademark reputation and expectations at this point in time, taking the evaluation base period as the time coordinate; Marketability means that the trademark evaluation is based on the simulated market, with the trademark market and the principal market as the reference system, and the trademark attributes are re-described; The validity of the evaluation results of the trademark is tested according to market standards; **Sex. It refers to the potential of the trademark in the future time and space to illustrate the reality, for example, to reflect the reality of the trademark with the expected benefits**; Notarization and consultancy.

Notarization means that the trademark appraisal act is independent of the appraisal parties, and it serves the needs of the trademark business, rather than serving the needs of any party to the conflicting trademark business, and advisory means that the trademark appraisal conclusion is to provide professional appraisal opinions for the asset business, and this opinion itself has no enforceable effect.

Legal analysis: The insurance adjuster is established by the insurance company or the client in accordance with the relevant laws and regulations of our country, and the adjuster conducts a detailed investigation and examination of the insurance-related subject matter, and obtains a scientific claim amount after a professional evaluation and imitation of Chi Zhou, and the insurance adjuster can collect a certain amount of hidden fees from the company unit entrusted by it. The insurance adjuster must be objective and impartial, and scientifically and reasonably resolve the disputes between the insurance parties.

Legal basis: Provisions on the Supervision of Insurance Adjusters

Article 2 Insurance adjuster refers to the company approved by the China Insurance Regulatory Commission and established in accordance with these provisions, specializing in the evaluation, inspection, appraisal, loss assessment, adjustment and other business of the insurance subject, and accordingly collects reasonable fees from the insurance parties.

Article 3 Engaged in insurance survey and loss adjustment activities must strictly abide by the relevant laws and administrative regulations of the state, and adhere to the principles of fairness, openness and impartiality.

Article 4 If the insurer or the insured person is covered by the loss caused by the negligence of the insurance adjuster, the insurance adjuster shall bear the civil liability for compensation in accordance with law.

An insurance adjuster refers to a company established in accordance with the provisions of the law, entrusted by the insurance company, the policyholder or the insured to handle the investigation, appraisal, loss assessment and compensation adjustment of the insurance subject, and collects remuneration from the client. The main function of the adjuster is to inspect, identify and adjust the insurance subject matter in accordance with the requirements of the client's entrustment, and issue an insurance adjuster report, which is detached and does not represent the interests of any party, so that the insurance compensation tends to be fair and reasonable, and is conducive to mediating the contradictions between the insurance parties on insurance claims.

The role of insurance adjusters in the insurance market is irreplaceable, and it forms the troika of the insurance intermediary market together with the insurers and insurance brokers with its distinctive personality, and jointly promotes the development of the insurance market. The role of insurance adjuster is mainly reflected in the following aspects:

1.Insurance claims are an important part of insurance operations. In the early stage of the development of the insurance industry, the inspection and loss assessment of the insurance subject were often carried out by the insurance companies themselves.

As the business grows, the limitations of this one-stop approach have become increasingly apparent: the professional limitations of insurance company's claims adjusters have become increasingly difficult to adapt to complex situations. From the perspective of operating costs, it is impossible for insurance companies to be equipped with a large number of professional and technical personnel of all kinds with a complete range of categories.

The insurance adjuster can assist the insurance company to solve some professional and technical problems in the field of claims, such as economics, finance, insurance, accounting, law and engineering technology, so as to promote the insurance operation in the field of claims.

2.The insurance company is both the underwriter and the claimant, and is directly responsible for the inspection and damage assessment of the insured object, and the conclusion made is difficult to convince the insured. The first principle of the insurance contract is the principle of maximum good faith, and due to the information asymmetry between the two parties to the insurance contract, there is a possibility of violating this principle in the underwriting and claims stages, as well as in the prevention and control of risks.

The insurance adjuster, who has a transcendent status and specializes in the investigation, appraisal and loss assessment of the insurance subject, as an intermediary, often appears as a referee, independent of the two parties to the insurance, and has always adhered to the principle of independence and impartiality in the process of engaging in the insurance survey and loss adjustment business, and has an equidistant relationship with the insurer and the insured, unlike the insurer or the insured who is susceptible to subjective interests, which can make the insurance payment more fair and reasonable, and can effectively alleviate the contradiction between the insurer and the insured in the field of claims. It is almost self-evident that litigation is inferior to arbitration, arbitration is inferior to mediation, and mediation is inferior to preventing legal disputes from occurring in advance.

3.The insurance adjuster independently undertakes the work in the field of insurance claims instead of the insurance company, thus realizing the professional division of insurance claims. On the one hand, this division of labor is conducive to the continuous upgrading and horizontal exchange of insurance claim technology, and can promote the improvement of the overall practice level of the insurance adjuster industry, thereby promoting the development of the entire insurance industry. On the other hand, due to the scale effect and the reduction of adverse selection and moral hazard, it will inevitably greatly reduce the cost of insurance claims and thus reduce the cost of insurance, thereby ultimately improving the welfare of the whole society.

Legal analysis: The insurance adjuster is an intermediary service agency, which has a certain authoritative position in the field of insurance appraisal due to its knowledge-intensive and technology-intensive characteristics. Insurance adjusters must adhere to an independent stance and provide objective and fair judgment to the client.

Although the insurance appraiser can defend the client in court, the loss adjustment report and conclusion issued by the insurance appraiser do not have the effect of legal ruling.

Legal basis: "Provisions on the Supervision of Insurance Adjusters" Article 19 The senior management personnel of insurance adjusters referred to in these provisions refer to the following persons in the chain or (1) the general manager, deputy general manager or management personnel with the same authority of the company-based insurance adjuster; (B) the partnership insurance adjuster to perform the partnership affairs of the partner or with the same authority of the management personnel; (3) The main person in charge of the insurance adjuster branch.