Do you have any insurance adjusters? What is the insurance adjuster most afraid of

Really, it should be very popular with insurance companies depending on your situation.

The most important thing is to know the accessories of common cars. It is very important to have the ability to distinguish whether the damage to the vehicle is real or not, after all, there are many fake cases now, and there is no other way to do this but to accumulate experience. Be careful when looking at the damaged parts of the vehicle to prevent missed identifications.

Before assessing the damage, it is necessary to carefully understand the reasons for the insurance of the policyholder's vehicle, and also verify the type of insurance insured by the policyholder's policy to see whether the insurance is within the scope of insurance.

This point is still related to your profession and has an advantage.

Damage assessment When the insured vehicle is involved in a traffic accident, the first thing the insurance company does is to go out to the scene to investigate and assess the damage. Vehicle damage assessment involves maintenance, manufacturing and the owner's various technologies and interests, which is a more prominent part of the entire car insurance service.

The damage assessor went out to the scene, photographed the accident, found out the damaged parts of the vehicle, determined to replace or repair them, and finally determined the loss. However, there are thousands of parts in a car, and different kinds of car parts are not the same in model. Professional loss adjusters often have a lot of confusion and confusion due to insufficient information, which has become one of the cruxes of the vehicle insurance industry.

Motor insurance now accounts for the majority of P&C insurers' business, and companies need surveyors.

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Insurance adjusters are most afraid of being complained.

1. The insurance adjuster is most afraid of being complained about, operating in violation of laws and regulations, and facing legal sanctions;

2. The insurance adjuster is most afraid of being complained about poor service attitude, unprofessional operation, and non-standard process, and will be deducted from the bonus or fired by the insurance company.

According to the principle of automobile construction, the auto insurance loss assessor conducts a comprehensive analysis of the automobile collision and accident scene through scientific and systematic professional inspection, testing and survey methods, and uses the vehicle damage assessment data and maintenance data to carry out scientific and systematic damage assessment and pricing for vehicle collision repair.

Extended information: 1. The professional field of auto insurance loss assessment is one of the fields less affected by the financial crisis. Due to the surge in domestic car ownership in recent years, traffic collisions have increased rapidly. After the vehicle is insured, there is generally a corresponding insurance company to pay for the cost of collision repair of the vehicle.

However, the amount of compensation needs to be assessed by the insurance company, repair shop (or 4S shop) on the vehicle accident, and the repair cost is priced accordingly, that is, the damage assessment.

2. The damage assessment is not unilateral, the insurance company and the repair shop (4S shop) must be evaluated, and the two parties can only implement repair and compensation after reaching an agreement through negotiation. Therefore, auto insurance adjusters can not only be engaged in auto damage assessment and claims in insurance companies, but also can be used as core personnel engaged in accident car reception and repair in auto repair shops and 4S shops. Receiving accident car repair is one of the most important profit channels in the after-sales service of most auto repair shops or 4S shops.

Therefore, there is a great demand for professionals and personnel qualifications in the field of damage assessment in auto repair shops and 4S shops.

3. In addition, the number of professionals engaged in vehicle accident damage assessment in large insurance companies can reach thousands of people, and there are many large insurance companies whose auto insurance business is still developing rapidly, and there is still a continuous demand for talents. In addition, if the insuring party or the warranty party cannot reach an agreement on the payment of compensation, a third-party professional appraisal agency (insurance adjuster) or expert can also be entrusted to evaluate. Auto insurance adjusters may also become the core valuation experts of a third-party professional appraisal agency (insurance adjuster).

Public or private motor vehicle loss assessment centres and traffic accident assessment centres are also institutions that urgently need to recruit motor vehicle loss adjusters.

1. The insurance adjuster is most afraid of being complained about, operating in violation of laws and regulations, and facing legal sanctions; 2. The insurance adjuster is most afraid of being complained about poor service attitude, unprofessional operation, and non-standard process, and will be deducted from the bonus or fired by the insurance company. According to the principle of automobile construction, the auto insurance loss assessor conducts a comprehensive analysis of the automobile collision and accident scene through scientific and systematic professional inspection, testing and survey methods, and uses the vehicle damage assessment data and maintenance data to carry out scientific and systematic damage assessment and pricing for vehicle collision repair.

Summary. I roughly understand what you mean, that is, the insurance company's claims adjuster has embezzled the money that should have been given to you, and he is not paying you all of it now. So when you encounter such a problem, you should first know whether you have evidence of his claim assessment in your hand.

If there is evidence, you can go directly to him and let him deal with it as soon as possible. If you don't even have evidence now, you can only go to his higher authorities to complain about him. Since these people have done such a thing, he must have thought of a way back.

So I don't think you need to be polite to him, you have to punish him severely. Of course, if he sees your tough attitude, he will definitely have some scruples for his future development.

For example, many loss assessors know that even if the vehicle does not reach the level of total loss, they will try their best to persuade the owner to deal with it according to the total loss, and your insurance cost will be more at this time.

That is, the original parts will be reported **, and the auxiliary factory may be used as the original parts in the final maintenance process, and the 4S shop and repair shop will earn great profits from it. Side-by-side.

The car insurance adjuster directly connects with the car repair shop, increases the maintenance fee, does not provide invoices, and earns the difference in the middle; 2. The car insurance adjuster will increase the maintenance fee, which can be handled by the compulsory traffic insurance, but it needs to use commercial insurance, which affects the premium discount.

These are common tactics used by insurance adjusters. In real life, if we encounter this kind of problem, we must pay more attention.

The problem was wrong, and the employees of Huaan Insurance Company misappropriated the money from the claim and refused to give the full amount to the claimant.

Are you there. Under normal circumstances, Li Peiyuan of the insurance silver company, didn't he put all the amount of Fengdoudong on the user's card? Since it's the company's account and it's on your card, how can he embezzle it?

I roughly understand what you mean, that is, the insurance company's claims adjuster has embezzled the money that should have been given to you, and he is not paying you all of it now. So when you encounter such a problem, you should first know whether you have any evidence of his claim assessment in your hand. If Kai Chunguo has evidence, he can go directly to him and let him deal with it as soon as possible.

If you don't even have evidence now, you can only go to his higher authorities to complain about him. Since these people have done such a quarrelsome thing, he must have thought of a way back. So I don't think you need to be polite to him, you have to punish him severely.

Of course, if he sees your tough attitude, he will definitely have some scruples for his future development.

He called another repair shop account.

When he encounters such a thing, he must be willing to make some money from the repair shop. In fact, I don't think the loss has anything to do with you at this time, and the repair shop has a contractual relationship with the insurance company. You just look to see if your vehicle is repaired.

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.

The insurance company's own loss assessor is responsible for the damage assessment, and the other insurance company mainly negotiates with the loss assessor and the repair shop to assess the loss. It may be a loss adjuster of the loss adjustment company, that is, it is not directly affiliated with the insurance company. However, whether it is the first loss assessor, they all have direct interests related to the insurance company, and their starting point must be the more money they save, the better.

Extended Information:1Where to go for damage assessment?

For small scratches, you can go to the quick claim center for damage assessment, or you can go to the loss assessment point designated by the insurance company to assess the loss. The damage assessment points designated by the insurance company include 4S shops of the same brand, cooperative repair shops, etc. The damage assessor will give a ** based on personal experience and the suggestions of the maintenance personnel.

In addition, there is a third type of loss assessment agency, which is the price bureau.

of the ** Accreditation Center. If your car is damaged, you can go directly to the Price Bureau for a damage assessment. However, because the price bureau is different from the insurance company in terms of maintenance concept, the ** given will be much higher, and the damage assessment process needs to be charged.

You can take the loss assessment report from the Price Bureau to the insurance company, and if the insurance company does not approve it, it can be resolved through litigation.

After repair, if it is found that the actual damage assessment is higher, then you can apply for a reassessment of the damage to confirm whether the extra part is missing or misestimated before. If so, you can increase the damage assessment; If not, then the owner is responsible for it.

2.Where to get your car repaired?

When assessing the damage, you have to explain to the damage assessor that you are going to repair the car. For some big insurance companies, you can choose to go to a 4S shop or repair shop; But some small insurance companies generally don't let you go to the 4S store because the maintenance cost of the 4S store is relatively high.

When applying for insurance, be sure to pay attention to the terms in the insurance contract. There is a "special contract clause for designated repair shops", after the purchase, the insured can choose to repair the car at the 4S shop. Otherwise, you may not be able to get your car repaired at a 4S shop, which is not cost-effective for some luxury cars.

Therefore, when signing an insurance contract, it is necessary to ask whether it is possible to appoint a repair agency.

Generally speaking, you can go to the damage assessment center designated by the insurance company for repair, so that the process is relatively simple, and there will be no disagreement due to the cost of repair. However, for larger damages, especially when you are driving a high-end car, try to go to a 4S shop for damage assessment and repair.

Hello Vehicle damage repair shop can be recommended by the insurance company, or the owner can choose the repair shop by himself. You can choose according to the principle of proximity according to your situation. Hope it helps!

For vehicle repair, you can choose a repair shop yourself. The insurance company's adjuster will go to assess the loss. If it's a 4S shop, then you don't have to worry about it, just send the car over, and the 4S store will help you with everything in the future.

Generally, the insurance company will have people in the store for a long time. Or the store will notify the insurance company to assess the damage in the past, and they will also notify the full responsibility to pay after the car is repaired. You just send the car over the whole time, and you don't have to worry about the rest.