Questions about insurance surveys and damage assessments

Which insurance company are you dropping?

1.The investigation report is to use your own professional skills to judge the authenticity of the accident and make a brief opinion. All kinds of information and so on need to be verified, not according to other people's words to paraphrase, to have your own views and views on the case, to judge its authenticity and the basis for claiming claims.

2.Cars generally verify the vehicle frame number or nameplate, need a driver's license (to see whether it is an annual inspection), driving license (to see whether it is an accident driver, whether A and B licenses need to be received for physical examination, etc., whether the driver's license is valid, whether it is allowed to drive), operating trucks need to see whether the vehicle is overloaded and overweight, whether the operating license is valid, whether the driver has a work permit and so on.

It was learned from the Municipal Insurance Industry Association that on the evening of September 18, the association conducted a third quarter claim reporting and loss assessment speed test for 22 property insurance companies in the city, and 3 companies arrived at the scene of the accident within 21 minutes after the customer reported the case.

At 20 o'clock on the same day, without any prior ventilation, the Municipal Insurance Industry Association organized personnel to conduct the test on time at the Nanhu exit of Zhajiasu Expressway, and many people reported to each insurance company at the same time, and recorded the time of reporting. According to the on-site test results, Volkswagen Property & Casualty and Sunshine Property & Casualty arrived at the accident site in the 20th minute, and PICC Property & Casualty arrived at the 21st minute. In addition, 11 companies, including China Life Property & Casualty, Ancheng Property & Casualty, and CPIC Property & Casualty, were able to arrive at the location of the report within 30 minutes as specified in the standard auto insurance claim service instructions to conduct damage assessment and investigation of the vehicle.

Other insurance companies arrived at the scene of the report after 30 minutes, and one of the most reactive property insurers had not arrived at the scene of the accident by the time the testers left the scene at 21:05 that day.

According to the previous commitment made by the city's property insurance companies in the Jiaxing insurance industry motor vehicle claim service commitment, the city's property insurance companies will implement a strict 365 days 24-hour survey and damage assessment system, strictly abide by the requirements of the survey and damage assessment time limit, and ensure that the customer is informed of the investigation arrangements and related claims within 10 minutes after receiving the report, and arrive at the scene of the accident within the promised time. Therefore, insurance companies like the above-mentioned customers who did not show up at the scene of the accident one hour and five minutes after reporting the accident seem to be somewhat inadequate.

In addition, in order to respond flexibly, quickly and reasonably to some minor material damages and reduce unnecessary waiting and trouble for the insured, the insurance companies also promise that the accident liability and insurance liability are clear, and a loss confirmation agreement has been reached, and the documents are complete and true, and the insurance company guarantees that the insured can receive the compensation within 2 working days.

1. Procedures for dealing with traffic accident victims (compensation).

1. Report the case. In the event of a traffic accident, immediately report the case to the claims department of the insurance company.

2. Survey and damage assessment.

The inspectors shall complete the on-site investigation and inspection within 1 working day after receiving the internal notice from the insurance company.

3. Sign for the receipt and review of the claim documents.

The internal staff of the sales department and each insurance branch company review the claim documents submitted by the customer, sort out the claim documents and the information kept, and submit them to the property and casualty insurance department.

4. Adjustment review.

The manager of the Claims Verification Department will review the information after receiving the information handed over by the internal staff; All claims will be settled within 3 working days and submitted to the person in charge of the Claims Section for review.

5. Examination and approval. Claims within the authority of the Property & Casualty Department shall be submitted to the manager in charge of claims for approval; Step-by-step reporting of the authority of the over-property insurance department.

6. Settlement of compensation.

The person in charge of the Claims Verification Section will submit the claim number of the completed approval formalities to the financial transfer of the compensation receipt and calculation book.

Summary. Hello, car insurance claim survey and damage assessment: 1. When you come to the insurance company, you must first register, and the registration window needs both parties to provide the above-mentioned driver's license, driving book and insurance policy information, and you can check and assess the damage after confirming that it is correct.

2. When you come to the damage assessment window, the staff will first check the vehicle information and insurance information through the network, check that it is correct, regret consulting the repair agency of the car repair on both sides, and enter the information. 3. Immediately after that, the staff will investigate the accident vehicle, and take pictures of the damaged parts, frame number, license plate number and other information, and keep the data. 4. If the damaged part involves the engine, it is also necessary to open the engine compartment to investigate the interior to ensure that the damage amount can cover the repair costs.

5. After the staff surveys, they will return to the office to assess the damaged parts of the vehicle through the internal network of the insurance company and give the amount of damage, and print out the confirmation of the loss of both parties. With this confirmation in hand, you can go to the repair shop to get your car repaired.

Hello, car insurance claim survey and damage assessment: 1. When you come to the insurance company, you must first register, and the registration window Huai Zheng needs both parties to provide the above mentioned driver's license, driving book and insurance policy and other information, and you can check and assess the damage after confirming that it is correct. 2. When you come to the damage assessment window, the staff will first check the vehicle information and insurance information through the network, check the correctness and regret to consult the repair institutions of both parties, and enter the information such as slag.

3. Immediately after that, the staff will investigate the accident vehicle, and take pictures of the damaged parts, frame number, license plate number and other information, and keep the data. 4. If the damaged part involves the engine, it is also necessary to open the engine compartment to investigate the interior to ensure that the damage amount can cover the repair costs. 5. After the staff surveys, they will return to the office to assess the maintenance of the damaged slag parts of the vehicle through the internal network of the insurance company and give the amount of damage, and print out the confirmation of the loss of both parties.

With this confirmation in hand, you can go to the repair shop to get your car repaired.

1. The investigation and damage assessment of compulsory traffic insurance claims shall be carried out in accordance with the following process: report to the insurance company after the motor vehicle is out of danger, go to the 4S shop for maintenance, and the three parties jointly determine the loss, and the insurance company will issue a damage assessment report, and the owner will provide relevant information to the 4S shop after the vehicle is repaired, and the owner will pick up the car and leave after the vehicle is repaired, and authorize the 4S shop to claim compensation from the insurance company on behalf of the company, and the compensation will be paid to the account of the 4S shop.

The relevant situation of the investigation and damage assessment of car insurance claims.

The main work and effectiveness of property and casualty insurance companies.

First, the importance of investigation should be paid attention to first in the investigation and damage assessment of car insurance claims. When the insured vehicle has a traffic accident, the insurance company will have a special person to the accident scene to investigate, the investigation referred to here is not only to take pictures of the accident scene to retain information, etc., but to be more professional to the scene of the accident for all-round analysis and survey, to investigate the extent of the loss caused by the traffic accident, the authenticity of the loss, etc., but also to effectively screen the possible false accident behavior such as insurance fraud, so to speak, the investigation is to determine whether the traffic accident can be obtained Therefore, when the insurance company's personnel investigate the accident scene, the car owners should actively cooperate and take the initiative to provide valid documents and information, so that they can quickly and effectively complete the steps of the investigation and quickly enter the damage assessment link. Second, effectively resolve the dispute over loss assessment.

After a traffic accident, the insurance company's assessment of vehicle damage is a more concerned issue for car owners. Because the loss assessment will directly affect the amount of compensation paid by the insurance company, when the insurance company's loss assessment** is inconsistent with the loss that the car owners believe, disputes will arise.

Hello! Generally speaking, the Chinese auto insurance claim process includes several steps: reporting, accident investigation and damage assessment, submission of claim materials, compensation calculation and review, and payment of compensation. The specific description is as follows:

2. Accident investigation and damage assessment. After confirming the report, the investigation specialist will contact the owner of the vehicle as soon as possible, investigate the accident scene and the vehicle, guide the owner to fill in the notice of accident (claim application), issue a claim notice to the owner, and confirm the necessary information such as the content, scope, amount and repair method of the accident.

3. Submit claim materials. All the materials required to submit a claim according to the written notice of the PICC auto insurance company will review and confirm the authenticity and completeness of the claim materials submitted by the car owner in a timely manner.

4. Calculation and review of compensation. In the case that the submitted claim materials are true and complete, the insurance company shall accurately calculate the insurance compensation and conduct the internal audit of the claim case in accordance with the provisions of the insurance contract and relevant laws and regulations, and reach a final compensation agreement with the car owner.

5. Pay compensation. The insurance company pays the insurance premium according to the contract.

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The vehicle survey and damage assessment post is a post for automobile inspection and damage assessment. Job responsibilities are to conduct a comprehensive analysis of the automobile collision and accident scene through scientific and systematic professional inspection, testing and survey methods, and use vehicle damage assessment data and maintenance data to carry out scientific and systematic damage assessment and pricing for vehicle collision repair. The specific work of the staff engaged in the investigation and damage assessment of vehicles includes the responsibility, investigation and damage assessment of car insurance accidents with a bicycle of less than 3,000 yuan; Able to handle damage assessment business for more than two vehicles and accidents involving third parties; Know the repair methods and processes of serious accidents with car damage; We will carry out reasonable treatment of the scene of the personal injury accident.

1.After receiving the report, contact the insured in time, and understand the approximate cause of the accident and vehicle information in **.

2.If there is a scene, it is necessary to rush to the scene within the agreed time to investigate (take pictures). First understand the mechanism of the accident, determine whether it is an insurance liability, and need to govern the traffic police investigation. Then formulate a maintenance plan and prepare an investigation report.

3.Collect claims information.

4.Damage assessment (2) mentioned in the maintenance plan If you need to disassemble and inspect it, you should go to the repair shop to take pictures of the internal parts and assess the damage. After the loss is verified, the insured will be notified whether to agree to the amount after the loss verification, and if there is no objection, the claim can be started.

5.The recorder is waiting for the claim.

6.After the claim is verified, the insured will be notified to receive the compensation, and the method of receiving the claim is different from company to company, so it is not a case to list.