Is it normal for a small rear end insurance to assess the loss of 10,000 yuan, and even the headligh

Generally, there is nothing wrong with it, it is all due to your business insurance.

1.Reporting: Generally, insurance companies require that a police report be made within 48 hours of the incident.

1) After the accident, the customer reports to the claims department of the insurance company;

2) After receiving the report, the customer is required to immediately fill in the "Business Accident Registration Form" (**, fax, etc.

3) In-house according to the insurance certificate or insurance policy provided by the customer.

Immediately inspect and copy copies of the policy, copies of the policy and schedules. Check the premium charges and have the financial officer confirm the signature on the copy of the premium receipt (business and statistics copy).

Special payments must be accompanied by an agreement.

or as agreed); 4) Confirm that the subject of the insurance is paid within the validity period of the insurance or before the accident, and require the customer to fill in the "Inquiry Form for Filing a Case", and file the case (such as **, fax, etc., the inspector is responsible for requiring the customer to fill in), and prepare the case number according to the order of the report;

5) Issuance of claim documents. After the case is filed, the relevant claim documents will be issued to the insured, and the claim procedures and methods will be informed (**, fax, etc., the inspector shall be responsible for the report);

6) Notify the inspector and report the loss and the location of the accident.

The above work is completed within half a working day.

2.Survey and damage assessment.

1) The inspector shall complete the on-site investigation and inspection within 1 working day after receiving the internal notice from the insurance company (the inspection of the damaged subject in the field can be entrusted to the local insurance company to complete it within 3 working days);

2) Require customers to provide relevant documents;

3) Instruct the customer to fill in the relevant claim documents.

3.Sign for the review of the claim documents.

1) The internal staff of the business department and the insurance branch company review the claim documents submitted by the customer, and return the documents to the customer after explaining the documents that need to be submitted if the procedures are incomplete, and the compensation case with complete documents should be returned"Accident Report (Claim)."(in duplicate) after signing, the yellow copy will be returned to the insured;

2) Sort out the claim documents and the information on file and submit them to the Claims Department of the Property Insurance Department.

4.Adjustment review.

1) After receiving the information handed over by the internal staff, the person in charge of the claim verification department will review it, and sign for the receipt of the handover book if the documents and procedures are complete;

2) All claims must be settled within 3 working days and submitted to the person in charge of the Claims Section for review.

5.Approval. 1) Claims within the authority of the property insurance department shall be submitted to the manager in charge of claims settlement for approval;

2) Step-by-step reporting of the authority of the over-property insurance department.

Normal, especially with the maintenance shop cooperation, are deliberately to expand the damage assessment, to maximize profits, as long as it is not ridiculously high, generally there is no problem, are out of your commercial insurance, do not have to pay for themselves, that is, the next year's insurance premium will be high.

The insurance company will make a list, replace the pieces to **, the general problem is not big, of course, the damage is the most extensive, pay attention to your headlights, it is indeed broken to replace, if it is not broken, it is best not to change, the new headlights must not be the original factory, a long time to see it!

If the rear bumper is broken, it can be repaired directly, and if it happens to be rear-ended, it is more cost-effective to repair it together. Originally, it might be hundreds to change the bumper, but if you are rear-ended like this, you don't have to spend money when you are not responsible. If there are slight scratches on the rear bumper, it is not too aesthetically pleasing, polish it, wax it, and spray it at a serious point of self-painting.

If the bumper is really missing, or there are deep scratches, etc., just go and replace it with a new one.

The most convenient way to repair the bumper is to spray the entire bumper. Because rubbing a little bit needs to fill a large area to make the whole workpiece look natural. It's impossible to fix just a little bit to be perfect.

The main thing is that the interface can't be done. The price is the same, they are all to make up a bumper. It's too hard to fix just one point, and no one will fix it that way.

Even if it is repaired, it will leave a mark.

Generally speaking, if it is not an important place involving driving safety, it can be repaired but not replaced. As far as the bumper is concerned, Li You, if the touch is not serious, there is no deformation, just a little patent leather rubbing, and it is completely okay to polish it and respray the paint. There is no need to go far and far to replace the entire fuse bar.

According to insiders, maintenance is generally done with by-plant parts, in fact, the quality is far worse, it is better to use the original.

If you change the bumper, you can do this, you don't have to spend money on rent, but it's not too liquid and good-looking, and you don't know when you can repair the chain road.

Not counting the accident car, the definition of the accident car is the accident in which the vehicle suffers unnatural damage, resulting in damage to the vehicle, resulting in a decrease in the mechanical performance of the vehicle and a decline in the economy of the vehicle. Soak trucks, fire cars, and carpools are all accident cars.

How to accurately define an accident car.

The engine compartment and cockpit were damaged. The impact of the rear fender was more than 1 3. If welded, formed, or cut, the vehicle's stringers, shock absorbers, and ABC pillars will be deformed.

Airbags for vehicles. The body is soaked in water more than 1 2 of the body, or the water enters the cockpit. The fire area of the car body exceeds square meters, and the non-detachable parts are welded, cut, shaped, and deformed.

How to identify the vehicle involved in the accident.

First, check the after-sales department of the four S stores of the vehicle brand, and check the Weiyin Qi repair records of the vehicle. Check with your insurance company for vehicle insurance to determine if the vehicle is present. Check the wear and tear inside the vehicle and check whether the exterior of the vehicle is painted for repair.

Millions of car purchase subsidies.

Not counting the accident car, the accident car refers to the accident in which the vehicle is leaked and damaged by unnatural damage, resulting in damage to the vehicle and a decline in the mechanical performance and economy of the vehicle. Water soaking cars, fire cars, and splicing cars are all accident vehicles. How to accurately define an accident car.

The engine compartment and cockpit were damaged. The rear fender of the body hit 1 3 more. The longitudinal beams, shock absorbers, and ABC columns of the car return chain gear are welded and formed, and the cutting is deformed.

A car with airbags. The body is immersed in water more than 1 2 of the body, or water enters the cockpit. The fire area of the car body exceeds square meters, and the non-detachable parts have been welded, cut, shaped, and deformed.

How to identify the vehicle involved in the accident.

First, check the after-sales department of the four S stores of the vehicle brand to check the maintenance records related to the vehicle. Check with your insurance company for vehicle insurance to determine if the vehicle is present. Check the interior of the vehicle for wear and tear and check whether the exterior of the vehicle is painted or repaired.

Millions of car purchase subsidies.