車險理賠查勘定損要點及技巧

1、車險理賠查勘定損要點及技巧（ Insurance damage survey pointsand skills）The first part of the accident scene survey, a survey beforethe survey staffreceivedthe surveywork instructions,shouldbe prepared to do the following work: 1, after receiving thesurvey work instructions within 5 minutes after contact withthe in

2、formant,tofurtherverifythelocation,check pointsanddamageinsuranceclaims surveytechniques,informthe expectedarrivaltime;due tospecialreasonsnot toarriveatthe sceneat the appointed time, should be timely contact with thecustomer and the customer to explainthe reasons.2,accordingto the "motor vehi

3、cle accident information table" to provideinformation about underwriting, dangerous condition of thedangerous condition of the vehicle; 3, carrying cameras,computer equipment and related documents, to survey the site.4, carrying the survey documents include: "the claim form","mot

4、or vehicle insurance claim notice", "motor vehicleinsurance accident survey report" and "schedule, the motorvehicle insurance accident case" and other attached inquirytranscripts.The firsttwo,arrivedatthescene 1, arrivedatthe survey site, should use the standard service word

5、s to theinformant to introduce myself. 2, if the insured object orinjuredpersonnelisstillindanger,shouldimmediatelyassistthe customer to take effective rescue and protection measuresto avoid the loss of expansion. 3, carefully check thecustomer's insurance policy and whether the "motor vehi

6、cleaccidentinformationtable"it.Ifyou findthesubjectvehicleother effective insurance(compulsoryinsuranceor commercialinsurance) in this case is not related, should be carefullyrecorded the relevant policy information, timely feedback tothe staff report; 4, involving more than two motor vehiclesa

7、ccidents,to findout thecompulsoryinsuranceofvehiclesbyaccidentparties(whetherornot withthe compulsoryinsurancemark preliminary judgment) and insured commercial motorvehicle insurance company, if I first arrived at the scene,survey personnel should prompt the parties will have othervehicleinsuranceco

8、mpanies involvedinhandlingtheaccidentinform the insurance company to other insurance companies todeterminewhetherto entrustmy company for thedamage survey.The 5 car accident, guide standard fill in "motor vehicleinsurance claims" is correct, the client to read the "motorvehiclecompuls

9、orytrafficaccidentliabilityinsurance claimnotification", and require customers to sign. Detailedexplanationof what customers don'tunderstand.6,forthelossof more than strong insurance liability limit or casualtiesinvolving the case, should remind the accident party to thetraffic management d

10、epartment reported. Three, accidentinvestigation 1, to identify the driver and the circumstancesof theaccident(1)to confirmthedriverand informantidentity,and verify its relationship with the insured. (2) examine thedriver'slicenseof the driverwho caused the accident.Confirmthe driver's licen

11、se is valid; driving the vehicle and quasidrivingtypedriveris matched; whether the insuredor permitsthe driver; driver is the driver agreed in the insurancecontract; whether the special vehicle driver with a validoperating permit issued by the relevant departments of thestate; if the operating bus d

12、river has issued by the relevantadministrative the State Administration of effectivecertificate.Ifthe aforementionedcertificateisunqualified,it shall be photographed with a digital camera to obtain evidence. (3) if it is found that the standard car driver isdrunk or drunk and smoking or injecting dr

13、ugs, narcotic drugsand is suspected that did not report to the traffic controldepartment, the driver should take the initiative to requestand reportimmediatelyto thetrafficcontroldepartmentreportand make inquiries and forensics. (4) accurately record thecontact form of the insured or the driver. (5)

14、 if it is foundthat the loss of thisaccidenthas notbeen related totheothervalid insurance policy of the target vehicle, the relevantinformation shall be carefully recorded and sent back to theperson receiving the case in a timely manner. Four, check thedangerous condition of the vehicle 1, the vehic

15、le insuranceinformation inspection (1) inspection vehicle, license platenumber, license plate background, engine number, VIN code /frame number, vehicle color and other information, andinsurance, driving license and insurance mark the contents ofcheck. (2) the inspection vehicle insurance period sub

16、ject iseffective;(3) the nature of the use of policyand thedangerouscondition of the vehicle when the subject of such compliance;(4) the vehicle structure had modified or added; if there is a new device outside the vehicle standard; (5) whether the carriage of dangerous goods; (6) whether overloadin

17、g.2, the inspection of third party vehicle information (1)inspection and record third party vehicle license plate number, type, strong risk and commercial insurance underwriting company. (2) record third party driver's name, contactinformation and so on. (3) check whether the strong insurancemar

18、k matches the contents of the insurance policy and takepictures.Five,findout of danger after1, verifythe date time(1) to claim time close to the insurance period to start the case, should pay special attention, carefully verified. (2)understand the departure time, or return the vehicle drivingroute,

19、 commissioned by the transport unit of cargo handlingtime,injuredhospitalizationtime,toverifythedangertime.(3) check reporttimeis more than 48 hours outoftime.2,checkthe places of danger (1) inspection places of danger andinsurancepolicystipulatedin the drivingrange isconsistent.(2) tomovewithoutspo

20、t or falseplacesofdanger,need furtherinvestigation.(3)tocheck whetherthereis a collisionatthescene oftheaccident,whether the debrisor thecollisionmarkis consistent or not, so as to determine whether the accidentis the first scene. (4) pilfer case should be asked for aninvestigation of the stolen car

21、 around the site, to determinethe occurrencetimewhetherthevehicleis parkedtooreal.3,find out the cause of claim (1) according to the situation ofthe lossof vehiclecontroland siteconditions,the informantstated after the danger, of scientific analysis and judgment,to confirm whether the logical relati

22、onship between thereasonable existence of the cause of the accident and lossresults. (2) pay attention to check whether there isintentionalactintheaccident.(3)ofdoubtfulcases,todealwith the accident authenticity and danger after doing furtherinvestigation,ifnecessary,tothe trafficcontroldepartmentto

23、 request access to the exploration of accident data, hightechnology, can employ specialized departments forinvestigation and identification. Enquiries about thepersonnelinvolvedinthe accidentshallbe done in accordancewith the inquiry procedure. (4) for unilateral accidents, itshould carefully check

24、the traces of the accident and make agood record;withoutthe accidentscene, thereisno sufficientevidence to prove the accident; the third party can not find the treatment. Six, 1, to determine the insurance liabilityaccident whether the insurance liability for preliminaryjudgment should be combined w

25、ith the underwriting and survey,respectivelyto judgewhether theaccidentbelongs to the motorvehicle traffic accident liability compulsory insurance ofmotor vehicleinsuranceor commercialinsurance liability,onwhether to initiate recommendations. 2, do not belong to theinsuranceliabilityorhas stipulated

26、theliabilityexemption,plusdeductdeductiblecircumstances,should collectrelevantevidence,and toindicate therecord.3, temporarilyunable tojudgetheinsuranceliability,shouldbe recorded inthesurveystated reason. 4, survey personnel should be based on thecircumstances of the loss and the loss of the amount

27、 ofaccidents involved, the preliminary judgment involved in theaccidentresponsibilityrisks.5,thesurvey case inthesystemof historical claims records, out of nearly two historicalclaims records must be checked, photos and data loss loss ofthe historical record, to confirm whether there is associatedwi

28、th the loss of time. Such as the existence of the same lossrepeated claims, should remove the loss or be exclusions. 3,preliminary judgment of responsibility division (1) policedepartmentsinvolvedinthe handling of the accident,accordingto the Traffic Police Department identified; (2) the trafficpoli

29、ce department is not involved in the handling of theaccident, can guide the parties according to the "People'sRepublic of China road traffic safety law" and theimplementationofthe Ordinance,"trafficaccidentmanagementprocedures" and the relevant local regulations to deal witht

30、rafficaccidentsassistthe accident,thetwo sidesnegotiatedthe responsibility for the accident and fill out the"agreement".(3)trafficaccidentswhich are negotiatedby theparties themselves shall be verified in accordance with thecontents of the agreement and in accordance with the relevantrules

31、 for handling traffic accidents. If the case is found tobe inconsistent with the actual situation, the insured shallbe requiredto renegotiateor the trafficaccidentcertificateshallbe issued by the trafficpolice.Seven, the survey camerawork requirements (a) will damage the nuclear pricephotographic co

32、ntent: 1, site location, overview, Center(focus),breakdown of photography;2, siteenvironment,traceinvestigation, the human body (scar) camera; 3, the roads and traffic facilities, topography and terrain photography; 4, trace, trace, surface separation the road marks, marks, clothing remnants and dam

33、aged material specification / encoding photography; 5, vehicle inspection (chassis number, engine number two), certificate of inspection camera.Shooting and recordingofthe same type of photos are forbidden.The first part of the accident scene survey, a survey beforethe surveystaffreceivedthesurvey w

34、ork instructions,shouldbe prepared to do the following work: 1, after receiving thesurvey work instructions within 5 minutes after contact withthe informant, further verify the location, inform theestimatedtimeof arrival;due tospecialreasonsnotto arriveat the scene accordingtotheagreement time,shoul

35、dbe timelycontact with the customer and the customer to explain thereasons. 2, according to the "motor vehicle accidentinformationtable"toprovideinformationaboutunderwriting,dangerous conditionofthe dangerous conditionofthevehicle;3, carryingcameras, computer equipment and relateddocuments

36、,to survey the site. 4, carrying the survey documents include:"the claim form", "motor vehicle insurance claim notice","motor vehicleinsuranceaccidentsurveyreport"and "schedule,the motor vehicle insurance accident case" and other attachedinquiry transcripts. T

37、he first two, arrived at the scene 1,arrived at the survey site, should use the standard servicewords to the informant to introduce myself. 2, if the insuredobject or injured personnel is still in danger, shouldimmediately assist the customer to take effective rescue andprotection measures to avoid

38、the loss of expansion. 3,carefullycheck the customer's insurancepolicyand whether the"motorvehicleaccidentinformationtable"it.Ifyou findthesubject vehicle other effective insurance (compulsoryinsuranceor commercialinsurance)in thiscase isnotrelated,should becarefullyrecordedthe relevan

39、tpolicyinformation,timelyfeedback tothe staffreport;4,involvingmore thantwomotor vehiclesaccidents,tofindout thecompulsoryinsuranceof vehicles by accident parties (whether or not with thecompulsory insurance mark preliminary judgment) and insuredcommercialmotor vehicleinsurancecompany, ifI firstarri

40、vedat the scene, survey personnel should prompt the parties willhave othervehicleinsurancecompanies involvedinhandlingtheaccident inform the insurance company to other insurancecompanies to determine whether to entrust my company for thedamagesurvey.The 5 caraccident,guide standardfillin "motor

41、vehicle insurance claims" is correct, the client to read the"motorvehiclecompulsory trafficaccidentliabilityinsuranceclaim notification", and require customers to sign. Detailedexplanationofwhat customers don'tunderstand.6,forthelossof more than strong insurance liability limit or

42、 casualtiesinvolving the case, should remind the accident party to thetraffic management department reported. Three, accidentinvestigation 1, to identify the driver and the circumstancesof theaccident(1)to confirmthe driverand informantidentity,and verify its relationship with the insured. (2) exami

43、ne thedriver'slicenseofthe driverwho caused theaccident.Confirmthe driver's license is valid; driving the vehicle and quasidrivingtype driverismatched; whether theinsuredorpermitsthe driver; driver is the driver agreed in the insurancecontract; whether the special vehicle driver with a valid

44、operating permit issued by the relevant departments of thestate; if the operating bus driver has issued by the relevantadministrative the State Administration of effectivecertificate.Iftheaforementionedcertificateisunqualified,it shall be photographed with a digital camera to obtainevidence. (3) if

45、it is found that the standard car driver isdrunk or drunk and smoking or injecting drugs, narcotic drugsand is suspected that did not report to the traffic controldepartment, the driver should take the initiative to requestand reportimmediatelyto the trafficcontroldepartmentreportand make inquiries

46、and forensics. (4) accurately record thecontact form of the insured or the driver. (5) if it is foundthat theloss ofthisaccidenthas not been relatedto the othervalid insurance policy of the target vehicle, the relevantinformation shall be carefully recorded and sent back to theperson receiving the c

47、ase in a timely manner. Four, check thedangerous condition of the vehicle 1, the vehicle insuranceinformation inspection (1) inspection vehicle, license platenumber, license plate background, engine number, VIN code /frame number, vehicle color and other information, andinsurance, driving license an

48、d insurance mark the contents ofcheck. (2) the inspection vehicle insurance period subject iseffective;(3) the nature of the use of policyand thedangerouscondition of the vehicle when the subject of such compliance; (4) the vehicle structure had modified or added; if there isa new device outside the

49、 vehicle standard; (5) whether the carriage of dangerous goods; (6) whether overloading.2, the inspection of third party vehicle information (1)inspection and record third party vehicle license plate number, type, strong risk and commercial insurance underwriting company. (2) record third party driv

50、er's name, contactinformation and so on. (3) check whether the strong insurancemark matches the contents of the insurance policy and takepictures.Five,findout of danger after1, verifythe date time(1) to claim time close to the insurance period to start the case, should pay special attention, car

51、efully verified. (2) understand the departure time, or return the vehicle driving route, commissioned by the transport unit of cargo handlingtime,injuredhospitalizationtime,to verifythedangertime.(3) check reporttimeis more than 48 hours out oftime.2,checkthe places of danger (1) inspection places o

52、f danger andinsurancepolicystipulatedin the drivingrange isconsistent.(2) tomovewithoutspot or falseplaces of danger,need furtherinvestigation.(3)tocheck whetherthereisa collisionatthescene oftheaccident,whether the debrisor thecollisionmarkis consistent or not, so as to determine whether the accidentis the first scene. (4) pilfer case should be asked for aninvestigation of the stolen car around the site, to determinethe occurrencetimewhetherthevehicleis parkedtoor