What does the loss assessor do The loss assessor has never determined the purpose of the loss

The full name of the loss assessor is the vehicle insurance company's damage assessor, which is a profession in the automobile maintenance special skills certification system recognized by the Ministry of Labor and Social Security, mainly for the analysis and damage assessment of automobile collisions.

After the vehicle is out of insurance, the insurance company, the 4S shop and the car owner cannot reach a consensus on the damage assessment and compensation amount of the car, and an independent third-party agency is required to assess the damage to the vehicle.

Scope of employment. The employment scope of auto adjusters is very wide, insurance companies, auto repair shops, loss adjusters, second-hand car markets and other units are all posting recruitment information for many years, and certified auto adjusters will undoubtedly become the talents that major insurance companies, adjusters and auto repair shops compete for.

The main job of the auto loss adjuster is to inspect the scene of the automobile accident in order to obtain information, determine responsibility, review insurance documents, and conduct an examination of the accident car.

The loss is surveyed and evaluated, and the damage assessment form is filled in to provide accurate data and reasonable maintenance plans for the claim and repair of the accident car.

There are several types of loss assessors, generally car insurance and non-car insurance.

For non-auto insurance, the loss amount is generally determined by the insurance company's loss assessor if it is less than a few thousand yuan, and the loss adjuster will generally determine the loss adjuster if it exceeds a certain amount.

Car insurance is also divided into internal and external service, and the field service is generally surveyed and damaged together, and sometimes it is necessary to work night shifts, which is generally a loss of several hundred yuan. The in-house damage assessment is generally at the counter, and some accidents are not on the scene or for example, scratches need to be assessed by the insurance company, which is not as hard as the field.

Damage assessment is only a skill in the car insurance personnel, through the understanding of the price of various brands of car accessories, when your car breaks, if it is within the scope of the insurance package, they will point out which parts to replace for you, which parts to repair, they will try to save money for the insurance company, it is recommended to have a good relationship

A job in a property insurance company. Generally speaking, it's pretty good to have experience. Because he needs more than just insurance knowledge.

For example, if you are a car insurance surveyor, it is best to know the car yourself and know how to drive. Hehe, you will be courteous to the party who caused the accident, and there will even be red envelopes.

In the case of a small accident, the surveyor can assess the damage, and the loss is within 1,000 yuan.

Within 3,000 yuan, there is a designated loss assessor to the repair shop to assess the damage.

It's a big accident, and you need a loss assessor to make a preliminary damage assessment and then wait for the resurvey personnel to verify the loss, which is very troublesome.

However, depending on the big case, it is better to treat it than the small accident.

Yes, the vehicle damage assessor mainly determines the loss of the damaged vehicle in an insured accident.

Generally speaking, it is likely that the maintenance unit did not notify the insurance company to assess the damage, another reason is that the traffic police department has not determined the responsibility to be high, and there is a kind of insurance liability that does not belong to the insurance company, so there will be a situation where the loss assessor can not assess the damage in time, if this happens, we must learn to carefully screen it, if it is intentional, we must call the insurance company's ** for consultation, If you can't do it, you can protect your legitimate rights and interests in the form of the law, and I hope everyone can understand about this matter.

1. How to deal with accidents in general.

If there is an accident between two or more parties, the division of accident responsibility needs to determine the maintenance unit, and the maintenance unit will notify the insurance company to fix the powder, but we need to pay attention to the fact that if there is an accident in life, we must first take pictures to retain evidence, only in this way can we better protect the safety of our property, and at the same time, we need to pay attention to the full amount of insurance for the vehicle, so as to better help us share the risk.

2. What are the precautions for car insurance claims?

Generally speaking, after purchasing car insurance, if once out of insurance, we can reduce our losses through the insurance company's claims, but we need to note that if it is not a regular repair shop, the owner is not satisfied with the amount of damage, and can refuse to sign, after the accident, we can ask the perpetrator to go to a regular car repair shop for maintenance, I hope everyone can understand about it.

3. How can we better protect our legitimate rights and interests?

Everyone doesn't want to get into trouble in life, so we must learn to drive rationally, only by strictly abiding by traffic rules can we better reduce our losses, and we need to pay attention to the fact that after an accident, do not repair it at your own expense. If you pay for repairs at your own expense and then go to the insurance company for a claim, you are likely to be denied compensation.

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For example, the maintenance unit did not notify the insurance company to assess the damage, another reason is that the traffic police department did not determine the responsibility, and there is also a kind of insurance liability that does not belong to the insurance company, so there will be a situation where the loss assessor can not assess the damage in time. If the loss assessor drags on and does not give the loss, the car owner can negotiate with the insurance company, so that the insurance company can assess the damage as soon as possible. If the negotiation with the insurance company fails, you can directly file a complaint with the CBIRC.

You can directly sue the insurance company, apply to the appraisal agency appointed by the court to conduct appraisal and damage assessment, and require the insurance company to compensate according to the contract.

I hope mine can help you clear up.

There are two ways to complain about an insurance adjuster, one is to complain to the insurance company. For example, if the car owner has purchased PICC's car insurance, then you can call the PICC company's customer service hotline 95518 to complain; If you have purchased Ping An Insurance's car insurance, you can call Ping An Insurance's customer service **95511 to complain. The second is to complain to the China Banking and Insurance Regulatory Commission, dial the service ****12378 complaint of the China Banking and Insurance Regulatory Commission, generally after the China Banking and Insurance Regulatory Commission complains, the insurance company will take the initiative to contact the car owner, and solve the problem in the way expected by the car owner, because the CBIRC has quite high requirements for the 12378 complaint closure rate.

However, it should be noted that when complaining to the CBIRC, it is necessary to ensure that there is a reason, otherwise the complaint is useless.

If mine is helpful to you, I hope you will give it a thumbs up and express my gratitude in addition to convenience, and I wish you a great fortune in 2022.

If the loss assessor has not determined the damage, then it may be caused by the following reasons:

1. The maintenance unit does not notify the insurance company to assess the damage: under normal circumstances, when the damaged vehicle is towed to the maintenance unit, the maintenance unit can notify the insurance company to assess the damage, but sometimes the maintenance unit fails to communicate with the owner or the insurance company in time, which will lead to the failure of the insurance company to assess the damage in time.

2. The traffic police did not determine the accident responsibility: the compensation ratio of the insurance company is in accordance with the "Accident Liability Determination" issued by the traffic police, and if there is no accident liability determination, the insurance company cannot assess the damage.

If the loss assessor drags on and does not give the damage, the car owner can negotiate with the insurance company and let the insurance company assess the damage as soon as possible.

Not covered by insurance:

If the loss of the vehicle is not covered by the insurance, then the insurance company will not compensate, and there is no such thing as a loss assessment.

1. Job responsibilities.

The main job of the auto insurance adjuster is to investigate the scene of the automobile accident, in order to obtain this information, determine the responsibility, review the insurance documents, investigate and evaluate the loss of the accident car, fill in the damage assessment form, and provide accurate data and reasonable maintenance plan for the claim and repair of the accident car.

2. Qualifications.

1. Understand the relevant laws and regulations of automobile insurance, and correctly understand the terms of conventional insurance contracts;

2. Familiar with the accident car insurance claim procedure and accident investigation method;

3. Master the knowledge of automobile structure, mainly the load-bearing body structure widely used in contemporary cars;

4. Understand the mechanism of car collision damage, and be able to correctly analyze the damage of the accident car;

5. Familiar with the repair process and process of the accident car;

6. Know how to accurately calculate the cost of parts and man-hours for accident car maintenance, be familiar with the filling methods and essentials of the damage assessment form or maintenance task list, and have computer operation skills and car English reading ability.

7. The auto insurance adjuster should also have good professional quality, be sincere, enthusiastic and fair. In the process of insurance loss assessment, respect objective facts, do not deceive, and do not seek personal gain.

It is illegal for the loss assessor to make a random damage assessment.

2. At any time, in any city, the relevant insurance company should be notified of the accident, and the insurance company will send relevant personnel to the scene for investigation in a timely manner after receiving the report. At the scene of the accident, the investigators divide the responsibilities and claims according to the personnel of both sides of the accident. When the vehicle damage assessment process is carried out, both parties involved in the accident must be present.

3. After the insurance company and relevant persons end the damage assessment and compensation, the accident vehicle will be sent to the 4S shop for destruction or repair repair. Generally, within seven working days after the traffic accident, the result of the traffic accident vehicle damage assessment will be issued.

The car has not yet been damaged. The main reason why the 4S shop and the insurance company have not assessed the damage is because it is very time-consuming to assess the damage when the vehicle is seriously injured, and it is necessary to disassemble each part of the vehicle to determine, and the replacement or maintenance of each part is generally more time-consuming, and it is impossible to get it in one or two days. Insurance companies pay more attention to their own claim timeliness, so they generally do not delay time.

Precautions for vehicle damage assessmentIn vehicle maintenance, the cost of maintenance is also one of the more common disputes. The insurance company's vehicle maintenance costs are generally approved according to the qualification level of the maintenance unit. For the replacement of the lost parts, it is carried out according to the market area of the accessories test.

However, some maintenance units may be higher than the insurance company due to the purchase channels of accessories, or the cost of maintenance hours is higher due to other reasons. In this case, we should negotiate the total cost of repairs when the damage assessors of the insurance company and the reception personnel of the repair shop are there.