Vehicle insurance issues out of the insurance damage assessment hope professionals!

Hello, let me answer your questions one by one:

1. Took a picture of my car. When taking pictures of the whole car, another claims adjuster is also taking a group photo next to him, is this a must?

Answer: Yes, as a professional insurance company, there must be 2 people to see the scene after the accident (except for night or special circumstances, of course), and there must be a surveyor group photo when taking the whole car, the main purpose is that the insurance company needs to confirm that the ** is the scene that our surveyor went to see, and it is determined that it was taken by our surveyor!

2. Also, I didn't bring a driver's license, just took a picture of my driving license**Is this also necessary?

Answer: Generally speaking, the surveyor will take pictures of the customer's driving license and driver's license when going to the scene, if you don't bring it, the advantage of taking pictures is that if you forget to bring these information or the information is not complete, you can print it out as a data archive when you go to hand in the claim information, so as to facilitate the customer's claim.

3. If the name and frame number are registered, should I register them?

Answer: When the surveyor goes to the scene to see the car, the first thing is to check the license plate and frame number, and the purpose of taking the frame number is to check whether the frame number is consistent with the driving license and prevent the fake license car.

4. Then I don't know if the people who go to the scene can't assess the damage?

Answer: Generally speaking, the surveyor will not assess the damage on the spot, they all have to go to the auto repair shop and the auto repair shop to negotiate and set a **, even if he gives you the on-site damage assessment now, you go to the repair shop to repair the car and find that this ** can not be repaired, then the surveyor will have to re-assess the damage, so in order to simplify the process, the site will no longer assess the damage.

5. Is there a difference between a loss assessor and a survey?

A: Generally speaking, insurance companies are all the same people, and there is no big difference.

I hope you are satisfied with the above answers!

Where are you and what is your insurance company? In addition to the repair shop after the year to assess the damage, others are necessary, first of all, check your vehicle information and registration, and then check your driving qualifications, these are the terms of the insurance policy, let you fill in the claim application and the notice of insurance (generally), if you can see the loss from the appearance, you can assess the damage on the spot, if the loss is larger, you must negotiate to the repair shop approved by both parties to dismantle and assess the damage. Now there are no workers in the repair shop for the Chinese New Year, they should let you go after the New Year!

Agree with the above. Don't worry, you won't be fooled, if the company is regular, he will ask you to sign the loss assessment form, if you are not satisfied with the ** on the loss assessment form, you can refuse to sign. Until you're satisfied.

There is no problem, except for the New Year's loss assessment. You can ask someone to come right away to assess the damage. But for the sake of fairness (to prevent underdetermination) it's better to go to the repair shop for a face-to-face interview, let the repair shop talk, you just ask for the car to be repaired. (Go to station 4S).

1. The damage assessment of car insurance is "mainly repair-oriented", which is mainly to repair the car to the normal state before the accident, and it can be repaired or not replaced;

2. Based on the principle of "coverage coverage", if it does not belong to the coverage scope agreed in the insurance contract, no loss assessment shall be made;

3. It is very important to distinguish the insured accident and determine that the loss caused by an insured accident is not the loss caused by the accident at the same time, which is very important for the identification of the expanded loss.

4. Loss assessment ** adhere to the principle of market, price and market, impartiality and fairness.

Summary. At present, there are three types of loss assessment methods for insurance companies: the insurance company's headquarters dispatches a loss adjuster to assess the loss, which is suitable for claims involving large amounts; The social company is requested to assess the loss and be responsible for the verification and price verification; The last one is that the insurance company authorizes 4S shops and repair shops to remotely assess losses through the network.

Hello, I am a national first-class chartered financial analyst jam teacher, a first-level answerer. Graduated from Shandong University of Finance and Economics, with 2 years of experience in the financial side liquid industry, good at, investment and financial management, bank loans, insurance, car loans, housing loans, committed to protecting your property, I am happy to answer for you This will reply to you.

At present, there are three types of loss assessment methods for insurance companies: the insurance company's headquarters dispatches a loss assessment accompaniment to assess the loss, which is suitable for claims involving large amounts; The social company is requested to assess the loss and be responsible for the loss verification and the price of the nuclear cavity; The last one is that the insurance company authorizes 4S shops and repair shops to remotely assess losses through the network.

In the practice of insurance claims, there are a large number of cases in which the insured files a lawsuit with the court because the insured has objections to the insurance company's loss assessment form, and in such cases, the disputes between the insured and the insurance company over the loss assessment form mainly include the following three situations: 1. The insured does not recognize the amount of loss determined by the insurance company's loss assessment form and refuses to sign the loss assessment form for confirmation. At this time, since the two parties have not reached an agreement on the repair items and amounts, the loss assessment order issued by the insurance company will not be effective against the insured.

In most cases, the insured will directly repair the vehicle, and then claim compensation from the insurance company according to the actual repair cost, but directly repair the vehicle, the insurance company may raise objections to the repair items and amounts, if the insurance company's objection is established, the insured may have to bear the unreasonable part of the repair costs. 2. The insured recognized the loss assessment form issued by the insurance company and reached an agreement with the insurance company on the repair items and repair costs. However, during the repair process, the actual repair cost exceeded the amount of damage assessment issued by the insurance company, resulting in the insurance company's refusal to pay compensation and triggering a lawsuit.

3. After the insured reports the case, before the insurance company issues a loss assessment order, he directly entrusts a third-party appraisal agency or the traffic accident handling department directly entrusts the local ** appraisal department to appraise the loss of the vehicle and repair it according to the appraisal amount, and is later rejected by the insurance company. However, in the litigation arising from the above three types of disputes, the court ruled in favor of the insured in favor of a larger proportion, and the insurance company is often in a more passive and disadvantageous position in the litigation. In the author's opinion, the insurance company's loss assessment behavior is very reasonable, and the court cannot simply deny the insurance company's loss assessment effect when dealing with such disputes, but should make a judgment based on the specific circumstances of the case, so as to protect the interests of all parties in a balanced manner.

Answer]: After the insured vehicle is completely damaged and lost, the insured amount is compared with the actual value at the time of the accident, and the amount of compensation is determined by comparison. If the insured amount is higher than the actual value chain at the time of the accident, the compensation will be calculated according to the actual value at the time of the accident.

That is: compensation = (actual value - residual value) x accident liability ratio x (1 - accident liability deductible) x (1 - absolute deductible) - absolute deductible.

After the occurrence of a traffic accident, if the party finds that the repair items and expenses exceed the scope of the insurance company's damage assessment in the process of repairing the vehicle, it shall negotiate with the other party of the accident and the Baoye Seepage Insurance Company to conduct additional damage assessment, or select an appraisal agency with appraisal qualifications to conduct the assessment, and it is not appropriate to repair the vehicle quickly. Otherwise, you should bear the cost of unnecessary repairs.

Where the property of others is damaged, it shall be restored to its original state or compensated at a discounted price, and where damage to the vehicle of another person is caused in a traffic accident, the compensation for the repair costs of others shall be based on the standard of "restoring the original state" as much as possible. This criterion should be used in the trial to balance the interests of the car owner and the insurance company.

1 The insurance company's assessment of losses is not necessarily the basis for compensation.

The insurance company's damage assessors have certain mechanical knowledge and experience in vehicle damage assessment, and in the vast majority of cases, the damage assessment of the accident vehicle can basically meet the cost needs of restoring the vehicle to its original state. But after all, the insurance company does not have the corresponding qualifications to engage in the first verification, coupled with the high professionalism of vehicle maintenance, and different brands of vehicles have different production processes and technical requirements, especially some more high-end vehicles, the insurance company believes that there is no need to repair and replace the parts when assessing the damage, and the maintenance personnel may think that they must be replaced and repaired according to the actual needs when repairing, so in some cases, the insurance company's damage assessment may not be able to meet the cost needs of the vehicle to basically restore its original state. Moreover, the insurance company itself is the claimant, and based on the existence of interest, the parties may think that the insurance company cannot objectively assess the loss of the vehicle, so in the case that the owner has objections to the insurance company's assessment of damage, the parties should hand over the accident vehicle to an appraisal agency with appraisal qualifications for evaluation, and may not confirm the actual loss of the accident vehicle entirely according to the claim settlement opinion issued by the insurance company.

The plaintiff, the defendant Yu Linjun, the defendant Dongfang Company, and the repair unit did not sign or seal to confirm the damage assessment form, so the damage assessment form issued by the plaintiff can only be used as a budgetary reference for the repair of the plaintiff's vehicle, rather than the basis for the settlement of the actual reasonable repair cost of the vehicle, and the defendant cannot be exempted from the compensation for the reasonable repair cost of the plaintiff's vehicle beyond the scope of the damage assessment.

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

If you exceed 80% of the sum insured, you can only pay 20% of the sum insured. The depreciation rate of your car is more than 80%, but the insurance company has a rule that even if you calculate the depreciation, the depreciation rate will reach 100%. The insurance company will also pay you at least 20% of the sum insured.

Your car is a new car to 10,000, and your car damage is insured 10,000 It is an underinsured car owned by the insurance company This problem, the insurance company will give you a loss according to the scrap treatment, because the repair cost of your car is greater than the actual value of the car, your car repair to 2w, now it should not be worth the price. The insurance company has the right to deal with the ownership of your car. If you want to get your old car back as a salvage value, you will have to deduct this salvage value from your compensation.

There is nothing wrong with the calculation, according to the calculation method of the insurance industry, the purchase price of the new car is insured, and the actual value after depreciation is used in the case of total loss claims. (Of course, you can also insure according to the actual value, but in this case, even if the vehicle is repaired in the future, all the parts will be compensated according to the insurance ratio, which will make the owner unhappy).

Therefore, in this case, it is relatively beneficial for the owner to repair. Because, in the case of maintenance, only the underinsured part needs to be deducted, and no additional depreciation will be deducted, and depreciation will be deducted once the total loss is presumed to be lost. Of course, it also depends on the situation to see if the vehicle has repair value, after all, the owner himself has to pay a considerable part of it.

Answer: The company's loss assessor may not have explained it to you clearly, or he may have deliberately played tricks. There are at least two very unconventional: one is that more than 80% of the insured amount can only pay 20% of the sum insured, and the other is to make your whole car **.

Traditionally, the first rule should be that you don't buy a zero deductible for body insurance, then the insurance company will only cover 80% of all costs, and the remaining 20% will have to be borne by yourself. The second should be the old parts of your body that are dismantled** owned by the insurance company, not the whole vehicle**.

And even if Sunshine Property Insurance stipulates any messy regulations in the terms, you have the right to question it! Because the insurance company's compensation limit and deductible scope are clearly stipulated in the insurance law, if there is a conflict, of course, the law shall prevail.

It is recommended that you find a friend who knows the insurance company to read your policy before making a decision. Or you can consult and complain to the local insurance industry association or the insurance regulatory commission.

Confirm the insurance regulations.

This situation often occurs when car owners do not understand the insurance.

There is nothing unreasonable, as long as the insurance policy says (more than 80% of the sum insured can only be paid 20% of the sum insured).

It is legally justified. There are many items without deductible, and you buy one of them, and he says you have no deductible, but in fact, there is only one of the 10 items.

It is recommended to choose large insurance companies such as China Pacific, PICC, and Ping An in the future, and don't try to buy a relatively "new" insurance company with a cheaper price of more than 100 yuan.

That's fine. According to the claims management regulations, if the vehicle is repaired** higher than the actual value of the vehicle, it will be treated as the vehicle is scrapped. You are a seven-year-old car, and the actual value is definitely not 20,000 yuan, so according to the scrap treatment, there is no problem with the formula told by the loss assessor.

How much does your car cost to buy a new car? How much is the car damage insurance covered (is it 10,000)?

"Is it to go to a 4S shop or a secondary repair shop to repair the car" What's the difference, in addition to the difference in the amount of damage, the insurance company is to prevent the loss amount of the 4S shop from going to the general third-class factory for repair, and earn the difference profit. When you submit the claim information, the adjuster will check whether it is consistent with the invoice of the damage assessment factory, otherwise it will be paid according to the three types of factory **.