The owner Zhang lately, his car in a traffic accident, the insurance company loss 12000 yuan, and go to 4S shop has spent 18000 yuan, 6000 yuan only poor himself up. He always wanted to do not understand, why the insurance company insurance amount to 4S shop price difference is so big.

There are many similar Zhang such case. Feng Jun of president of providing Beijing Jingyou times information technology of auto insurance data support the Development Co. Ltd. for the insurance company told reporters: "in the auto insurance claims process, surveying is a very important part of. Because of the current domestic there is no uniform standard of vehicle insurance, surveying the dispute more. At the same time, because of the loss of uncertainty, can lead to the development of insurance fraud etc.."

■The amount of compensation is the result of consultation

With the rapid development of China's auto market, traffic accidents have occurred. According to the statistics of the Ministry of public security, the first half of this year, the national road traffic accidents resulting in direct property loss of 410000000 yuan. An increase in traffic accidents, make people more attention on car insurance and. Automobile insurance industry is developing rapidly, according to statistics, at present car insurance rates (except compulsory insurance) has reached 60%.

Auto insurance claims process problems, people pay more and more attention to natural. Among them, the most controversial is the car accident loss. According to the current insurance claims process, auto insurer after the occurrence of a traffic accident, the insurance company staff to the scene to determine the surveying vehicle damage degree and the amount of compensation. "Because of the different auto repair factory including 4S stores, car accessories price difference, price and time cost price discrepancies. While spending directly related insurance indemnity the economic benefits, must strictly control. So, it may be the insurance company insurance price and the actual price differences in the garage." Feng Jun said.

Deputy general manager of Tianping auto insurance Limited by Share Ltd Beijing branch Ren Yong told reporters: "in view of the differences in the price, now the practice is, insurance companies and repair factory and negotiate with each other to determine the amount of compensation for the final." Although the auto insurance industry has no uniform charge standard, but the insurance companies have their own company standards, little difference between different insurance companies.

In the past two years, to balance the interests of all parties, the third party assessment companies have emerged, from mediation, determine the amount of damage. But Ren Yong thinks, set the starting point of this assessment companies is good, but because the car insurance loss related to the automotive industry, the insurance industry and the transportation department under the jurisdiction of the repair industry, involving many aspects of the interest, it is very difficult to make the related parties are completely satisfied.

■Surveyor to mandate the use of "water fish"

Vehicle insurance is by surveying to direct operations. This is a special group of people, the uneven quality of personnel. Although, surveyor general wage is not high, some small insurance companies, surveying staff monthly salary is only 1000 yuan, but, there are still many people rushing to join this, is because of the additional "oil".

The personage inside course of study points out, surveying member of the "authority" is very large. Therefore, they often have many bad temptation or influence. Some fraud case in society, more directly involved in surveying. From the industry average, 20~30% insurance claims are suspected cases.

It is understood, vehicle insurance "tricks" in three ways, respectively is "human loss", "bribery loss" and "joint ventures repair factory". Two, the owners can get more points indemnity; the latter is a member of the damage and repair factory "tricks", the owner may not know. Because insurance companies have designated garage, the garage for more "car money", and even to the surveyor salary.

Because the vehicle types, vehicle repair high professional requirements, resulting in some loss will be very difficult to complete will be damaged accurately, basically depend on repair factory inspection results, heteronomy.

To solve the vehicle insurance problems, improve the surveying staff occupation level and personnel quality is very important. Recently , Beijing first automobile estimate normal formal training classes, training organizers Beijing fine friend era of Information Technology Development Co., ltd.. Just came back from Japan to study Feng Jun told reporters, in Japan called "surveyor for the automobile assessment of loss division", their mastery of knowledge and knowledge of automobile insurance, is an expert in repairing the accident vehicle, even when some repair technician teacher. In this industry, there are strict industry access system and grading system, higher social status.

■A unified standard to loss

According to introduction, the development of Japanese automobile insurance industry has very normative, car accident loss have uniform standards, according to the different models can have the corresponding adjustment factor. In addition, there are special repair accident vehicles, auto repair shop, car owners rarely go to the 4S store, the main function of 4S shop is selling cars and daily maintenance.

China's automobile insurance industry is still in development stage, mature degree to achieve the developed countries of the automobile market, still need a long time.

First of all, the difficulty of vehicle insurance unified standard is very big. Feng Jun points out, Chinese broad, and the difference of economic development level of different parts of a larger. More cars, model to acknowledge that each auto parts price and time cost price is difficult. Different regions, different models of the price gap, which also caused the loss will be professional quality and professional skill is higher, otherwise it is difficult to finish the task accuracy loss.

Secondly, there are many not standard phenomenon of auto repair industry. Different repair factory price difference, consumers do not trust for many auto repair factory. After the accident, many owners think that 4S shop more at ease, but also pay higher repair costs (and some even more than the amount of excess loss, often by the owners to pay out of pocket). Although there have been some good repair the car accident comprehensive "spray center", technology is more professional than 4S shop, collect fees low, but to change the consumer concept is difficult to repair.