Insurance claims surveying points and skills

 

The scene of the accident investigation

A survey, the preparation before

Survey staff received the survey work instructions, shall immediately make the following preparations:

1, after receiving inspection work instruction after 5 minutes, get in touch with the informant, further verify the place, inform the estimated time of arrival; due to special reasons can not arrive at the scene according to the agreed time, should be timely contact with customers and customers to explain.

2, according to the "motor vehicle insurance information table" to provide information, understand the danger of underwriting, claim the vehicle;

3, carrying a camera, computer equipment and related documents, to survey the site.

4, carrying the survey documents include: "claim", "book of motor vehicle insurance claim notice", "motor vehicle insurance accident investigation report" and the schedule, "motor vehicle insurance accident case record of inquiry" and the attached page etc..

The first two, arrived at the scene

1, to survey the site, should use a standard service operation if the informant to introduce myself.

2, if the subject matter of the insurance or the injured are still in danger, should immediately to help customers take the rescue, effective protective measures to avoid loss to expand.

3, carefully check the customer whether insurance policy and the "motor vehicle insurance information table" content. If it is found that the standard car the other effective insurance (compulsory insurance or commercial insurance) not in this case be associated, should carefully record the related policy information, timely feedback to the staff report;

4, involving more than two motor vehicle accidents, to find out the compulsory insurance accident all vehicles (by whether has the compulsory insurance mark insurance situation preliminary judgment) and the commercial motor vehicle insurance, when I first arrived at the scene, survey personnel should prompt the parties will have his vehicle insurance companies involved in processing the accident inform the insurance company, in order to other insurance company as soon as possible to determine whether commissioned by our company for surveying.

5, the guiding standard car accident fill out the "motor vehicle insurance claim book" correct, prompt customers read "motor vehicle traffic accident liability compulsory insurance claim notification", and asked the customer signature confirmation. Matters of the customers do not understand the detailed explanation.

6, for the loss of more than cross strong insurance liability limit or involving the casualties of the case, should remind the parties involved in the accident report to the traffic management department.

Three, accident investigation

1, find out the driver and the informant situation

(1) confirm the driver and the informant identity verification, and its relation to the insured person.

(2) check the driver license. Confirm the driving license is valid; driving vehicle and quasi driving type driver is consistent; if the insured or the allows the driver; driver is for the driver agreed in the insurance contract; whether special vehicle drivers have effective operating license issued by the relevant departments of the state; if the business bus driver is issued by the relevant administrative the State Administration of effective certificate. If the documents are not qualified to be photographed with a digital camera, to obtain evidence.

(3) if the standard car driver is drunk or drinking and smoking or injecting drugs, drugs and was not suspected to the traffic control department report, should ask the driver and report immediately to the traffic control department report and make inquiry and forensics.

(4) accurate records of contact the insured person or the driver.

(5) if it is found that the accident was not associated in other effective policy target vehicle, should be carefully record the relevant information, timely feedback to the staff report.

Four, check out the condition of the vehicle

1, check the insurance vehicle information

(1) inspection car, license plate number, license plate color, engine number, VIN code / frame number, vehicle color information, and insurance and driving license and the insurance sign the check the contents.

(2) check the vehicle insurance term target is effective;

(3) the nature and use of policy car be or get out of danger when the subject of the state compliance;

(4) the vehicle structure is not modified or added; if there is a new equipment outside the vehicle standard;

(5) if the carriage of dangerous goods;

(6) whether there is overloading.

2, check third party vehicle information

(1) the third party inspection and record the vehicle license plate number, vehicle, compulsory insurance and commercial insurance underwriting companies.

(2) information recording third party drivers names, contact.

(3) check cross strong insurance mark with the content of the product is consistent and photographed.

Five, find out after

1, to verify time

(1) on the date time close to the period of insurance claim cases, particular attention should be paid, carefully verify.

(2) understand the vehicle departure or return time, route, commissioned by the transport unit time of loading and unloading, the duration of hospitalization, to verify time.

(3) check report time is longer than out of 48 hours or more.

2, to verify location

(1) check out of place and insurance driving range is consistent.

(2) to move the scene or false out of place, need further investigation.

(3) examine the scene of the accident the existence of collision debris, dent is consistent, to determine whether the accident scene for the first.

(4) pilfer case should be asked in the theft of vehicles around the place, to determine whether the vehicle is the real danger time park.

3, find out the cause of claim

(1) according to the loss situation and the site of the vehicle, control the informant stated out after, for scientific analysis and judgments, to confirm whether the logic relationship between the rational existence the cause of the accident and loss results.

(2) note whether intentional behavior are verified in the accident.

(3) the doubtful cases, deal with the accident of authenticity and be or get out of danger after further investigation, if necessary, the traffic management department to request access to accident data, the exploration of high technology, may employ professional departments to carry out investigation and identification. The relevant personnel to the inquiry should be in accordance with the query completes the interrogation record.

(4) for unilateral incident, should carefully check the accident, do the interrogation record; not the scene of the accident and the lack of sufficient evidence to prove that the accident, according to the third party can not find treatment.

Six, the insurance liability

1, the accident is liability insurance for the preliminary judgment

Should be combined with the underwriting and survey, judge whether the accident of motor vehicle traffic accident liability compulsory insurance and the commercial motor vehicle insurance insurance liability, on whether to put on record recommendations.

2, does not belong to the insurance liability or liability exemption terms, plus deduct deductible circumstances, should collect relevant evidence, and in the survey record.

3, temporarily unable to judge the insurance liability, should be in the survey records state the reasons.

4, survey personnel should be based on the loss and the loss amount accident involved, preliminary judgment involved in the accident liability insurance don't.

5, the survey case in the system has a history of payment records, out of nearly two times historical claim must be recorded, check the loss of picture and loss data in history, to confirm whether there is contact with the loss. If there is a loss of repeated claims, should eliminate the loss or to reject.

3, preliminary judge responsibility division

(1) the traffic police departments involved in the accident treatment, on the basis of that traffic police department;

(2) the traffic police department is not involved in the accident treatment, can guide the parties according to "the people's Republic of China Road Traffic Safety Law" and the implementation of the Ordinance, "the traffic accident treatment procedures provisions" and the relevant local traffic accident treatment regulations, assist the accident shall be determined through negotiation between the accident responsibility and fill out the "agreement".

(3) the parties to negotiate processing traffic accident, should be based on the agreement content, combined with the traffic accident treatment regulations verify accident liability. Found inconsistent with the actual situation, should require the insured to renegotiate or traffic accident by the traffic police certificate issued by.

Seven, the survey camera work requirements

(a) the loss of nuclear price photographic content:

1, site orientation, overview, Center (key), breakdown of photography;

2, the site environment, trace investigation, the human body (scar);

3, road and traffic facilities, terrain, ground photography;

4, separation of traces of traces of traces, surface, pavement, clothing remnants, damaged traces, standard / code;

5, vehicle inspection (chassis number, engine number), two card photography.

(two) the price of nuclear photographic step loss:

The range and field profile with license plate picture, the loss of the subject matter of key parts, loss of detail these four steps photo, to contact each other, each other.

(three) the loss of nuclear price photographic principle

1, the first shot taken after the original condition, the changes in;

2, the first shooting pavement traces of the scene, after the shooting vehicle traces;

3, the first shot damage easily disappeared, after the shooting is not easy to damage and disappear.

In a word, should according to the actual situation will be damaged nuclear price, can explain the accident insurance liability, but also can reflect the detailed accident loss, flexible use, take the method of cross shot.

(four) the survey photo requirements

Reflect the scope and extent of liability insurance and accident car damaged 1, accurate and comprehensive;

2, take insurance vehicle characteristics. Including the license plate number, frame number / VIN code / frame number of photos;

3, take the insurance vehicle license (passenger vehicle transportation permit), driver's license (driving passenger vehicle drivers driving permits, special vehicle driver operation qualification certificate).

4, the parties or accident, should take the three vehicle "cross strong insurance mark" -- the front and back were filmed. Conditions permit should be taken three vehicles cross strong insurance policy.

5, when necessary, may request the relevant witnesses (including our personnel) and damaged vehicles shooting photos.

6, the night of the shooting, can be used as special flashlight or other lighting tools (hand lamp, lamp headlights of a vehicle), improve the scene illumination, ensure photo legible.

7, the first field (including exploration first scene photos) can reflect the accident scene picture, have reference markers significantly, such as road picture (intersection, road width), road signs, buildings, in order to determine the status of vehicle motion direction roughly; Shun (including brake marks), shooting accident impact point;

8, online insurance system upload photos in sequence. Pictures in the first after nearly far, after the first addition, first upload picture after the parts order;

9, in the yard or the site of the accident loss when taking a car, take the vehicle (can reflect the license plate number 45 ° four direction of the photographing), to determine the direction of travel and collision danger point and collision to; license plate from the body, with the chalk mark number, no separate shooting car brand and loss position;

10, the damaged part opposite to determine the overall picture, collision and the scope of the loss;

11, where the replacement or repair parts, parts must be local close-up pictures;

12, the internal loss after the disintegration of the accident site, must fill the photos, and can reflect the damage causes of accidents;

13, the photos do not reflect crack, deformation, use your fingers to the damaged parts of pictures or photographs or ID photos, and can reflect the damage reason, especially caused by shaft, hole shooting on injury accident, must have the actual size of the photos;

14, shot glass photo note glass light reflective, breakage of glass in the glass damage is not serious, you take a photo, and then hit the glass damaged. Damage increased obviously after, take a picture;

15, a photo can reflect multiple components, the damaged parts of the true situation without single or repeated pictures, but major parts or expensive parts must be able to reflect the individual photo damage, specifications or accessories code;

16, local pictures, to steady the camera, the camera to focus, photo requirements clearly and auxiliary images reflect the site;

17, the damaged goods, road photos. Photographs should be able to reflect the panorama and the loss of part of property loss, more should shoot damage; packaged goods packaging damaged should be removed and shooting, shooting number, package type, type, weight; higher value goods taken individually numbered in the post classification.

18, the camera date order adjustment for the year, month, day; and display date must be the date taken, is strictly prohibited for various reasons the camera adjusts the backup date;

19, the camera focal length adjustment accuracy, light is appropriate;

20, the digital camera pixel adjustment is 480 * 640, photo size is less than 150k.

21, in order to improve the efficiency of system resource requirements, improve efficiency in the use of photo shooting and recording, repeat the same type photo is strictly prohibited.

Eight, making the survey record

1, according to the survey, fill out the "survey report", the driver or the informant should be in the "survey report" on the signature confirmation.

2, involving casualties to registration, registration of vehicle insurance are the personnel on the car and three vehicles, vehicle deaths, injuries.

3, the car bumps cases, the basic situation of dealing with all three vehicles were recorded by car.

4, big, complex or doubtful cases, should be in questioning the parties concerned, that person, recorded in the "insurance accident investigation interrogation record", and by the inquired signature confirmation.

5, major, out of more complex reasons claim should draw sketches the scene of the accident. Scene sketch must reflect the factors of accident vehicle before the accident, the accident and the accident location, road conditions and external influence.

6, the survey found problems, need to remind the next claim links to pay attention to the problem, should be specified in the "survey report" in detail.

In nine, the scene of the accident

1, for the real site, the parties involved in the accident on the undisputed and causes, standard car, three cars and other three party property loss, the loss in insurance insurance limit, can be treated by simple cases. Surveying personnel on site for all losses, guide the accident parties through consultation, mediation, confirm the amount of compensation and responsibility, assist in the evacuation of the scene of the accident;

2, estimated third vehicles and the loss of more than cross strong insurance subentry liability limit and relates to human casualties and any of the following cases, require the client to alarm processing:

(1) the traffic accident facts, causes and the responsibility of the accident dispute;

(2) the vehicle without license, no conformity inspection mark, no insurance mark;

(3) driving without a valid motor vehicle driver's license;

(4) the driver drinking, taking state control of psychotropic drugs or narcotics;

(5) any one accident or more without the risk of strong;

3, due to special reasons can not participate in the accident of surveying, requirements issued by the parties involved in the accident that accident loss of relevant information and documents to the parties (such as: Certificate of the accident issued, site / car / damage photos, list of losses, other relevant insurance company's survey report and loss report, compensation to the victim and the compensation documents, medical invoice, invoice etc.), repair Principle recognized by other relevant insurance company has issued a survey, therefore, meet the objection or document does not improve, may require the parties involved in the accident was added or with related business communication, coordination, conflict can not be with the customer;

4, we survey both the accident scene first unilateral incident and clear responsibility, by the involved parties that may not require treatment, the traffic police of the accident issued.

5, the survey can't spot the loss, survey personnel should be insured or their agent contract loss time, place.

6, for the accident vehicles heavier losses, need dismantling the rear can damage cases, the vehicle should be arranged to dismantling dismantling loss on loss.

Ten, non site survey points

1, cannot survey of traffic accident scene of the accident, should be required to provide proof of the public security department issued the accident, for the division of responsibilities according to law. The insurer shall actively to the car park or property loss to surveying.

2, Division I should in principle be recognized by other relevant insurance company has issued a survey. If the survey has any objection against document or imperfect, may require the parties involved in the accident was added or timely communication with the relevant insurance company coordination.

Eleven, cross strong insurance survey of basic principles of loss

1, many accidents, and the loss in the liability to pay compensation to limit the scope of the case, by the insurance people surveying;

2, many accidents, and the loss of more than cross strong insurance liability limits, to bear the compensation amount is large insurer in surveying;

3, unilateral accident, and does not involve the third damage cases, by Che Sunxian insured surveying;

4, unilateral incident, involving third damage and loss in the amount of the liability to pay compensation limits, the loss of vehicle insurance survey by the insurance of car, the three loss by the insurance people survey; if the three loss over the liability to pay compensation limit, by undertaking the compensation amount bigger insurer surveying based.

5, does not involve the casualties, the parties have dispute over the facts and reasons, the accident scene real case accident, all property loss in insurance liability limit of indemnity. Complete the survey site, timely issued car insurance claims report, signed by the parties involved in the investigation of the accident and other insurance company to confirm.

6, site survey, if it involves two or more insurance companies at the same time on the same vehicle damage, the parties to insurance companies should seek truth from facts, the spirit of mutual trust, mutual respect, the principle of friendly consultations, jointly determine the amount of loss.

7, cross strong insurance on behalf of the survey fee charged by the China Insurance Regulatory Commission, insurance regulatory bureau or around the Association (Association) to implement the relevant provisions.

Twelve, according to the classification of the accident point survey

Thirteen, theft and robbery cases survey points

(a) received a dispatch, investigators should be immediately rushed to the first site survey, the parties ask and do the interrogation record, was photographing the scene and check the scene has no car has left no trace, tools. Pay close attention to surveys of the informant says there is no stultify oneself, such as parking lots surrounding environment, the weather at that time have no suspicious.

(two) visited, relevant personnel on-site investigation, survey vehicle park, custody, theft and robbery cases, do the interrogation record. Special attention should be paid to understand the use of vehicle theft and park before the situation. The theft of vehicles in the parking lot, parking and parking demand evidence record car personnel of relevant written materials, special attention to parking fees, parking fees certificate insurance requirements are provided, such as the site was in custody fee, should be to the security, management personnel or property, the relevant certificates issued by the state and charge custody situation (by the insured to assist), about the possibility of recovery after the loss of vehicles.

(three) if we find some doubts, involving economic disputes, illegal operation behavior in the case, should be further investigated, to individuals or units concerned person in charge to understand the situation, obtain reliable evidence, it may be necessary to further understand the nature of the case by the public security department.

(four) some points which should be paid attention in the interrogation record

1, the driver and the insured vehicle relationship; why when things by the driver to use;

After 2, with insurance vehicle is lost or stolen, the case may provide any clues to the public security organ or the insurance company;

3, the existence of operations or economic disputes and the two situations are stolen and the car (ROB) is directly linked to;

4, this car formalities is complete;

5, lost car place is guarded charges, no charge bill;

6, how the condition, if you have a repair.

(five) the insured for the financial status of the investigation, to prevent the insured insurance fraud because of the deteriorating financial situation.

(six) the car keys and repair situation investigation. Investigation of stolen vehicles in repair, stolen vehicle keys are equipped with, to identify key, whether had together.

(seven) investigate vehicle purchase. Investigation of stolen vehicles purchase, registration and transfer, such as stolen vehicles transfer should be insured, please provide relevant certificate of transfer.

(eight) understand the vehicle files. To the Public Security Department of vehicles, to verify the license plate number, vehicle records, production and licensing, frame and engine number and other information, check whether the loss of stolen vehicles, storage file.

(nine) the alarming situation investigation. Report to the public security department visited the police on duty, understanding, recording details of the report.

(ten) the investigation case: investigators should be in regular contact with the Criminal Investigation Department of the public security organ, actively assist. In the insurance of vehicle theft and robbery after three months, should be timely detection of vehicles stolen rob.

(eleven) the following points found the process of investigation and evidence collection, investigation and evidence collection should be intensively focus:

1, robbery occurred in an unusual place;

2, driving permit the owner and the insured, who do not use consistent;

3, units of vehicles by private insurance or private vehicle according to the units of the insured;

4, environment, time seems to have no occurrence of theft may;

5, and the effective date of termination date is similar to or insurance, the insured amount of abnormal high;

6, reported the certificate with the stolen;

7, make up the car keys with a trace or key not neat;

8, the party against a survey;

9, the parties acting strangely, particularly cold;

The 10 parties with the known, the fact is not consistent, or conflicting evidence.

(twelve) based on the site survey and investigation of the case and the actual vehicle use fixed number of year, the real value of insurance mark, timely in the online insurance system investigation and case, the investigation data timely upload.

(thirteen) if there are any suspicious, shall be reported to the investigators immediately.

Fourteen, the case of fire survey points

(a) the site survey and investigation

1, the site survey, analysis of the causes of the vehicle on fire. Judgment is the collision accidents caused by burning or combustion vehicles burn; is the subject of dynamic state and static state fire fire; inspection of vehicles burn marks, judge the combustion point of fire and fire;

2, the site survey key:

(1) survey the road mark. The vehicle ignition all traces of the scene and the car on the road in the ignition process disappear or in the fire, covered by water, foam, mud and sand, the survey first on the road, the original state to view photos, and do the record. The rescue after using clean water rinse clean grease, dirt road, to be exposed impression undisturbed and detailed survey. Method is based on the vehicle as the center to both sides of road vehicles coming direction search braking India, contusion drawn prints, measuring the start point to the parking distance and various print form;

(2) the road debris survey. As a train car is scattered on the road of various items and injury, casualty lying body parts, location and collision is throwing objects position on the car, distance and the center of the scene, the actual throwing distance, from a train car speed;

(3) on the "fire trace" and "exploration over time". Fire trace refers to burn marks neutral combustion process under. Too much time refers to a certain parts of the combustion duration. By observing the "fire trace" and "over time" can determine a vehicle fire, combustion process. Under normal circumstances, through the observation of vehicles, parts, internal, external, front, rear, left bit loss size of smoke after combustion and the judgment of the combustion process. "Over time" long parts such as a serious loss, copper melting metal, serious deformation etc.. Through comprehensive analysis of "fire" over time "trace", and the combustion characteristics, preliminary judge fire point possible and the cause of the fire.

(4) dynamic state combustion survey

The general rule of vehicle collision on fire is the spillover of gasoline ignited, the survey focused on gasoline tank metal shell surface has no collision in the sheet metal traces, and scratching the quality mark. Be burned parts of the contact trace the body vulnerable, survey on site investigation traces its area depression degree were compared, in order to determine the magnitude of the impact force, direction, speed, angle; C

The dynamic condition of spontaneous combustion is the main vehicle of electrical wires, leakage causes, no collision damage trace body, but the road generally have the driver found that the emergency brake marks on fire instinct; the fire with fire with fire wind spread. Fire mostly in engine compartment and the car dashboard near the vehicle ignition, key distinction between staff and the car on fire;

(5) the vehicle static state fire. The focus should pay attention to check the scene has no legacy, repair tools, there is no foreign fire, fuel or comburant outside, there is no witnesses, and survey the informant said there is no stultify oneself place, such as the scene of the accident the surrounding environment, the weather at that time, space and time are no doubt;

3, site investigation focus

(1) the specific reason for the plot vehicle collision or rollover and cause fire;

(2) the specific circumstances and consequences of the vehicle on fire and burning;

(3) the vehicle caught fire after the driver to take what rescue measures;

(4) the fire vehicle fire and the rescue;

4, interview, field investigation related personnel, it was to see the situation do the interrogation record, and the record signature, leave contact telephone. Special attention should be paid to understanding the vehicle ignition when the driver out of the car when the behavior;

5, in the transcripts of the scene on the parties should pay attention to the problem. When thing driver and the insured vehicle relationship; why when things by the driver to use with the vehicle insurance; fire, fire party found what emergency treatment; how the car technology and using status, whether to repair, and more recently in a repair shop repair;

6, focus on exploration accident around any abnormal matter, car accessories, tools, fire, fire in the investigation before, after the fire situation, special attention through the careful comparison have what difference, found the following problems, should be thoroughly investigated:

(1) there are several fire point;

(2) the fire site in an unusual place;

(3) the fire suddenly too violent;

(4) does not seem to be the cause of the fire is reasonable;

(5) and the date or the date of termination similar insurance;

(6) the vehicle should the item is not in;

(7) the car goods, accessories are moved, have been searching or disassembling and assembling evidence;

(8) the parties against a survey;

(9) the parties acting strangely, particularly cold;

(10) the parties with the known facts do not match, or conflicting evidence.

(three) the accident confirmed photos and insurance mark

Content: confirm insurance caused by collision of standard combustion is a genus of "range of vehicle damage insurance" responsibility, but the loss of the subject matter is a genus of spontaneous combustion "range of vehicles spontaneous combustion risk of loss" responsibility, man-made fire caused the fire does not belong to the responsibility of insurance. Does not belong to the liability insurance, must be made public security fire department analysis related reports prove that the cause of the fire on the vehicle or vehicle fire cause, in conjunction with the written materials survey, investigation and evidence collection form, report to the company vehicle insurance department after the audit to the insured exclusions notice issued, no subjective judgment on the oral and inform the insured does not belong to insurance liability or exclusions.

(four) investigation

If we find some doubts, involves the intentional act or man-made fire cases, should be further investigated, to individuals or units concerned person in charge to understand the situation, obtain reliable evidence, if necessary by the public security fire department to further understand the nature of the case, on fire reason.

1, to the management of vehicles to check the vehicle files, check record models, license plate, year of manufacture, engine number, chassis number and the insured the consistency; vehicle transfer records, inspection records;

2, the insured unit properties, financial status, business investigation, to prevent the insured due to poor management situation of insurance fraud;

3, to the public security fire department to investigate fire cause, will themselves through investigation, visit, observe, extraction, inspection, inventory method to analyse the reason of fire were compared, found the question to timely communication, put forward their views, and record;

4, the burning vehicle purchase survey, will purchase a car to the local copy of invoice; larger car to burn models of new car to purchase price, obtain new car purchase price of proof. Compared with the amount of insurance, the purchase price and the market price, analysis the insured has no price advantage of fraud may;

5, to the burning vehicle maintenance and repair garage for the investigation, find out the last car and burning accidents have no correlation in time and space to access the vehicle actual condition;

6, access to the file, check the vehicle to vehicle photos, people understand the insured vehicle vehicle condition.

(five) the price of nuclear accident damage, loss, preparing the survey report and record

1, according to the investigation situation survey and determine the liability, constructive total loss, according to market research in vehicle value calculation of a train car is now the actual value of the insured, and franchise, accident and loss on file processing;

2, the fire vehicle part of the loss should be an immediate loss of nuclear price, the price of nuclear damage in the actual operation of special attention is: analysis of a fire, combustion, heat conduction range must fire vehicle damage, on the combustion and thermal conduction range of metal shell parts, plastic parts, sealing parts, electrical appliances, line, oil class to focus on examination, caused by high temperature deformation, metamorphism parts must be replaced;

3, timely in the online survey platform for survey information input, in a specified time period for.

(six) to inform

1, the fire vehicle case should inform the insured or the parties timely report to the public security fire department, related technical personnel to the scene of the fire investigation, investigation, evidence collection, extraction and validation should be made when necessary, cause issued by the public security fire department at or above the county level shall report or analysis of the cause of the fire proof fire, driver's license, driving permit burning loss cannot provide the copy in the fire, need to check the vehicle management

The driver, vehicle registration at the end of the file. In addition, in addition to the requirements of the insured motor vehicle insurance claim notice to fill in the "normal", also to the drivers and the insured for the interrogation record;

2, inform the insured claims with the necessary materials and documents, sent to the customer claims documents list, and by the insured.

Fifteen, car damage inspection flow chart

 

 

The fourth section accident loss

One, the scope of the loss recognition

1, should pay attention to the distinction between the accident and non accident caused by the loss, loss of accident and natural wear limit.

2, pay attention to new equipment except for insurance car standard to distinguish; and determining the loss of items and amount.

3, confirm the loss of vehicle range, project, pay attention to the distinction between the three outside the vehicle damage, three car loss, relevant evidence data collection site;

4, understanding and record all personal injury accident, registration name, sex, age, injured, hospital and department, injury, rescue or advance, and verify the injured type: the personnel on the car, three car or three people outside the car, the timely transfer of medical personnel for nuclear damage follow up processing;

5, the survey relates to the loss of the accident insurance personnel to deal with all kinds of property are complete confirmation, regardless of whether the loss of property more than cross strong insurance liability limit, should be classified and identified all of the accident loss amount.

6, the accident loss amount refers to the amount of direct loss caused by accidents, which does not consider the proportion, the accident franchise, franchise, proportion of compensation and other factors.

Two, the loss determination principle

Determination of accident loss, need to be in accordance with the provisions, in conjunction with the insured to repair, repair price negotiation, and has been recognized by both the. The recognition results, to preparing the loss report. The loss report a car accident, the parties signed confirmation; if conditions permit, participate in accident treatment of each insurance company claims personnel should also be signed. The accident loss should adhere to the following principles to determine the loss in the process of:

Principle 1, repair

For the repair can continue to use the component, should adhere to the principle of repair. As the expansion of car repair, or should repair parts to replace, the excess fees shall be liable for its own.

2, residual deduction principle

Parts replacement value in the 200 yuan above, should be reasonably fixed discount to the value of the insured, and deduction in the loss amount; I need company to recover residual, do the registration, transfer of work according to our "loss goods management regulations".

3, dismantling loss principle

The loss of large or without dismantling could not determine finally loss cases, should be in after dismantling and total loss report issued by the approved. Therefore the need of disassembling vehicle, surveyor should be overhauled tracking vehicles, and record the replacement project, to be seized items and repair project. At the same time, attention should be paid to the safekeeping of repair parts and waiting for inspection of spare parts.

4, parts and labor pricing principles

(1) parts and labor price, in accordance with the principles of vehicle repair, the lowest price to purchase their suitable accessories as the standard, it should not exceed the ceiling system stipulated in the price of accessories;

(2) relates to a vehicle safety system, driving system and to the accessories, the price may be determined according to the market price of OEM accessories;

(3) an not "designated repair shop" plus cost of vehicles, in principle does not apply to 4S shop price. The establishment of a comprehensive cooperation agreement with 4S shop or a special case of 2 year new car, when a customer demand pull (4S shop) repair, may be appropriate to refer to and cooperation 4S shop after consultation with the price and time loss.

(4) execution time pricing to branch issued a "time cost standard".

5, re approved loss principle

Without the consent of the Chinese party, the insured person to repair or compensation for the accident vehicle, we reserve the right to re approved by the loss, the insured causes loss could not be determined, I shall not bear the liability of compensation.

6, non field surveying

Unable to participate in the accident of surveying, requirements issued by the parties involved in the accident that accident loss of relevant information and documents to the parties (such as: Certificate of the accident issued, site / car / damage photos, list of losses, other relevant insurance company's survey report and loss report, compensation to the victim and the compensation vouchers, medical invoice repair invoices, etc.), should in principle be recognized by other relevant insurance company has issued a survey, therefore, meet the objection or document does not improve, may require the parties involved in the accident was added or timely and relevant business communication, coordination, conflict can not be with the customer;

Three, damage repair in the standard

(a) damage repair general principles

The accident vehicle loss should grasp the "general principles to repair the main, can not repair change", in the actual damage process should grasp the following principles:

1, does not affect the use of performance and not to affect the appearance quality, and the use of simple technology can be recovered, to repair;

2, to more than two types of repair the technical level of enterprises cannot be repaired or can not guarantee the quality after repair should be replaced in the process;

3, when the parts repair costs more than or equal to the cost of replacement parts should be replaced;

4, all replacement parts will be damaged specifications shall not be higher than the original car accident before assembly brand, specifications.

(two) the body damage repair Principle

1, the principle of sheet metal parts for the repair

Basic principles: damage to the bending deformation (elastic) based on repair; damage to bending deformation (plastic deformation) primarily for replacement. Bending deformation (elastic) characteristics:

(1) a smooth transition, the position of injury and non injury continuous;

(2) by drawing the correction can restore it to the accident before the shape, without leaving permanent deformation; bending deformation (elastic) repair method:

The body structure of the deformation and the sheet metal drawing, correction of indirect injury; then on sheet metal surface, especially the impact point directly damage for leveling operation. Even if the collision damage is not serious, no deformation of the whole body, but also to repair the indirect injury, direct injury and repair. If indirect injury in the extrusion deformation (uplift or crimped), priority should be given to drawing the expansion,

Then the leveling operation in the bent part, and the elastic deformation can be recovered, then the point of impact to the direct damage of levelling. Bending deformation (plastic deformation) characteristics:

(1) bending severe deformation, curvature radius is small, usually on a short length of bending 90 degrees above;

(2) after correction, there are cracks and crack obvious parts, or permanent deformation zone, without high temperature heat treatment can not be restored to the accident before the shape;

Bending deformation (plastic deformation) replacement principle:

(1) if damage occurs in the plane, then correction than the corners of severe wrinkling and folding may be easier, almost certainly, the bending deformation in the corner contour clear, only by changing the way; if the door glass box;

(2) if the damage is in the vicinity of the end beam, and the pressure of partial area was not affected or deformation of the little effect, can be corrected by drawing, you must repair; if the pressure of partial area has been bending, and the collision force is transferred to the rear, rear also caused deformation, must be replaced;

(3) if the damage position steering installation position near the engine or, repetitive loading will cause the fatigue failure (repeated shaking force or stress will increase and produce two deformation), the installation position after bending deformation, it must be replaced; such as: fast steering front axle Guangzhou Honda occurred bending deformation;

(4) due to severe wrinkling severe cold hardening caused by deformation, must be replaced;

(5) if slight bending only one not completely repair the deformation, the solution will not in a large area with a plurality of bending deformation method is same, should take the patch repair;

(6) if you have already replaced a part of accessories, so decided to go a little more replacement point, connect the adjacent part is replaced, and relatively easy, cost is small cases, allowed to replace;

(7) in the deformation of surrounding parts are corrected to the appropriate size, the remaining part is not correct good bending deformation, and this part of the complex shape, can not be used in patch repair, then the parts should be replaced;

2, plastic parts for the repair principles

Basic principles: thermoplastic plastic damage to repair, thermosetting plastic damage needs to be replaced.

The characteristics of thermoplastic plastic pieces:

(1) the repeated heating and soft, its appearance and chemical composition does not change, after cooling becomes hard, can be made of plastic welding machine, solar heating repair deformation;

(2) under heat, catalyst or ultraviolet radiation will produce chemical changes, the cured shape is permanent, then heating and use of catalyst is not deformed, which cannot be welded, but available without air welder "bonding"; body plastic identification method:

(1) to view the ISO identification code: the code often when in injection molded in plastic parts, usually need to remove the parts, often labeled in injection molding or parts code in front.

(2) a thermoplastic commonly used plastic auto parts name: AAS, ABS, ABS/PVC, PC, PE, PP, PS, TPUP, PVC , the above parts without influencing appearance can repair.

(3) a thermosetting commonly used plastic auto parts name: ABS/MAT, PA, PPO, PUR, SAN.

(4) the glass steel parts in the deformation damage is not serious cases can repair.

Changing the principle 3, machinery accessories

Basic principles: more than with the size, the processing can not be assembly technology requirements, or deformation by correction cannot ensure performance and safety requirements, or fracture cannot soldering or welding cannot ensure performance and safety requirements, in principle must be replaced.

(1) the accident cause engine damage

The collision caused by external injury of engine cylinder block, cylinder head:

Engine cylinder block, cylinder head materials commonly used in cast iron or cast aluminum, these materials at present a lot of professional mechanical processing plant can be welded, loss mainly view the sites of injury; fixed position, or only the surface crack, or crack extends only to the engine cooling water channel edge, through the welding process can resume normal use; engine cooling water channel and oil road damage, or engine cooling water or oil cylinder (seat) damage, or external crack extending to the cylinder tube (valve seat) etc., usually should replace the cylinder or cylinder head;

The accident caused the engine "coaster" causing cylinder bush burning engine interior damage, etc.;

The tile burning: the crankshaft through the method of repairing size according to level grinding crankshaft, and give the replacement bearing repair method can increase the size. If the piston cylinder: without injury through insert cylinder or cylinder liner and piston ring repair method can; if the piston is pulled, through the method of repairing size increase of cylinder, piston, piston and piston ring replacement repair method.

Note: this phenomenon generally occurs only in the diesel engine oil from the accident car combustion chamber are formed, the gasoline engine would never happen, the loss must distinguish. The damage must have the field measurement and can clearly reflect the damage size photos.

(2) the accident caused by the independent suspension damage

Now the car front and rear suspension is the basic Mcpherson type or its variant. The main structure is composed of coil springs and shock absorbers, can avoid the spiral spring force forward, left, right, after the phenomenon of migration, vibration limit springs only in the upper and lower direction. And the length of the stroke and Zhang Lilai can shock absorber settings suspension soft and performance. Because of the structure of mutual connection basic activity buffer type, collision force transmission has obvious preventing effect, so the loss of nuclear price to carefully check:

The note carefully study the collision point position, the collision force transfer direction, was what a collision damage;

The careful study of the connection point hanging loose momentum, check the connection point wear loose, judgment is the natural wear caused by collision or collision force transmission distance, thus infer;

The note connection point has no clamping deformation, a clamping deformation impact force may cause damages to the connection point is connected by transmission, should focus on checking;

④ certainly non collision force transmission member, is also not the accident damage;

The shock absorber inspection measures. Check no leakage of the shock absorber, distinguish the accidents caused by oil spill or mechanical wear oil leakage (distinguished by viewing the traces of oil can be), accidents caused by oil spills, should be replaced; remove vibration damper, check whether the deformation, bending, there is to be replaced by two hands; shock absorber, the tension and compression, if tensile or compressive force is minimal, shows that the shock absorber function decline, has nothing to do with the accident damage;

4, electronic component damage repair Principle

(1) in the control unit vehicle airbags, electronic components, other electronic components, the control unit must be significantly damaged by impact marks and due to impact causing deformation, damage, ablation (note the ablation between accident and non accident caused by), must be replaced;

(2) of all injuries, broken line adopt butt soldering repair;

(3) cause the airbag explosion accident, should carefully check whether the exterior impact sensor, a control computer, airbag system generally can be used repeatedly for 3 to 4 by decoding; no, then the built-in collision sensor control computer must replace;

(4) the seat belt between driver and passenger safety, is the use of vehicles in the process often damaged parts, only the gas explosion type safety belt and airbag crash caused by explosion is possible is the insured liability damage (distinguish);

(5) the replacement of electronic control system of computer (must be original pieces) without decoding instrument detection and decoding time cost, only a single change the sensor (sensor) is required to decode instrument detection and decoding time cost;

5 consumable materials for the repair principles

(1) oil (such as oil) and liquid (such as brake fluid, battery liquid, the cooling liquid) with lubrication and cooling, such as the role of the rust, the normal operation of the engine, gearbox, clutch and brake device, battery, is closely related to the. The oil in the process of becoming less and deterioration, thereby reducing the performance of auto parts and can lead to the engine and other device generates ablation, bad operation fault. Fixed (nuclear) to strict distinction between accident caused loss or damage in the loss of the original car less natural;

(2) all kinds of rubber belt on the car are closely related to traffic safety. Timing belt pulley, power steering pump, cooling fan belt, brake hose, radiator hose are made of rubber, but rubber can be extended with time and the gradual aging. When the belt crack or even break, will cause the parts damaged or steering problems such as the heavy. The loss should check is poor maintenance cracking, abrasion of the damage caused by accidents, and accident direct damage;

(3) in the car brake pads, brake, clutch, tires and other parts of the work of the continuous wear, itself has certain service life. The damage caused by the accident, nuclear price depreciation;

Four, the accident vehicle repair cost composition and calculation standard

(a) the accident vehicle repair costs

The accident vehicle repair costs, including the loss of accident repair time cost, accident loss part replacement parts costs (including management fees) and residual.

1, part of the loss of repair labor expense:

(1) component related accidents and man hour cost;

(2) the accident of sheet metal repair time cost (including auxiliary materials);

(3) the accident some parts repair time cost (including processing fee);

(4) the accident related repair labor expense;

(5) the accident related electrician working hours;

(6) the accident part painting fee (including raw material costs);

(7) the accident repair required material attached fee

2, the accident loss part need to replace the spare parts costs (including management fees):

(1) at present, there are mainly three kinds of forms of accessories on the market price:

The automobile manufacturer to its special after sale service station set accessories sales price -- the manufacturers guide price;

The local large parts trading market sales of genuine parts -- market price retail price;

③ conforms to the national quality standard and automobile manufacturers, loading parts, accessories legitimate production and sales (OEM) price -- production factory price; insurance companies determine the accident vehicle repair replacement parts prices generally use the market retail price as the foundation, coupled with a certain management fees for the principle.

(2) parts management fee:

Spare parts management fee refers to the insurance company to the insured vehicle liability insurance accident occurred, the insurer should pay for the repair enterprise because of repair for replacement parts in the procurement process, procurement, transportation, storage, loading and unloading loss costs and repair enterprises share of the profits and issue invoice taxes and comprehensive given compensation cost;

3, residual value:

Value refers to the vehicle or other property insurance accident loss due to residual or damage repair the replaced parts, its recycling value or the value of nature. The insurance company to confirm residual can be estimated according to the objective and reasonable repair industry practices and repair market. Residual principle under insured all. But in case of special circumstances, may be it back. (see "loss goods management approach").

(two) should pay attention to the problem of computing the accident vehicle repair costs

Should pay attention to the problem of computing 1, accident repair labor expense

(1): sheet metal door, roof repair is required to have the interior and accessories and man hours fees; rear wing repair and replacement of major deformation implied disassembling rear windshield;

(2): the independent front suspension only accident damage replacement upper / lower suspension, rod and other accessories related to computer front wheel positioning (Note: not four wheel positioning); brake only disassembly or replacement pipe to the need of maintenance and adjustment; hoisting engine work has included working gearbox and transmission system cooling system disassembly and assembly, which is connected with the engine; engine only replace the cylinder body can damage repair time (internal wear parts required to replace the non insurance liability, with the original parts need of insurance liability on cylinder processing); replacement of new cylinder head hidden reaming valve seat and grind the valve working hours;

(3): the replacement of electrical headlight implied adjust lighting hours; air conditioning system to replace any relates to snow leakage parts are required to add / fill, leak, snow for hours; the replacement of electric control system of computer (must be original pieces) without decoding instrument detection and decoding, only a single change the sensor (sensor) is required to decode instrument detection and decoding;

(4) all repair labor expense contain auxiliary materials (consumption materials, sheet metal welding material fee and management fee (profit), Shui Jin);

(5) the painting time cost should include painting need putty, paint, oil, auxiliary materials such as the cost of materials, man hour quota to paint material as the reference time cost, the original vehicle use pearl paint, man hour cost can be appropriate broke surface; if the use of solid paint does not need to cover the resin, the hourly rates shall be appropriately.

(6) processing fee: the accident vehicle repair process factory outside cooperation by professional processing enterprises for processing, repair expense.

(7) processing fee determination principle: the claim can directly provide the invoice processing fees, the factory shall not charge management fees; that is included in the repair man hour quota within the scope of the processing fee, not separate items, duplication of charges;

The 2 accident loss parts need to be replaced fittings fee

Accessories accessories purchase price = x (1 + management fee ratio) - residuals

Accessories: purchase price to the accessories market retail price shall prevail.

Spare parts pricing principles:

(1) offer accessories to the parts of the market (Beijing, Guangzhou) retail price shall prevail;

(2) the parts price strictly in accordance with the relevant provisions of general company about accessories price execution;

(3) the old models of replacement parts for alternative or by the insured and consultation in accordance with the scrap price, the original car damage is the Deputy plant parts according to the Deputy plant parts pricing;

Spare parts management fees were determined according to the principle of determining the: repair factory, specializing in the technology category models considering parts management fee, no repair station. Residual to repair the local industry standards as the basis for calculation.

(1) all the residual to the insured, the insurer deduction in repair costs;

(2) the accident vehicle replacement parts by the insurer to recover after excluding residual.

Five, the price of nuclear and nuclear damage report

1, according to the amount of loss of vehicle components, determine whether belongs to a price of nuclear and nuclear damage range.

2, belongs to a class of nuclear and nuclear damage range, shall report to the principle. Is not a grade jurisdiction, according to local price regulations, approved accessories price.

3, a price of nuclear nuclear harm to the jurisdiction of the case for approval; for the approved amount is higher than the bid amount, should be to a higher price for nuclear damage price of nuclear or nuclear loss operation. The final price of nuclear or nuclear damage after the results should inform on journalists, by the end of nuclear or nuclear damage after the results, which were not free to modify.

4, the specific operation in the company "accessories" nuclear offer management regulations.

Six, supplement the loss

1, damaged vehicles in principle to take a loss. As found in the repair of damaged indeed real missing items, the need to increase the repair, the repair or replacement of, by the insured to inform us immediately. Additional items such as loss exceeds the amount of loss or authority should perform sequential verification procedures, and verified, to append the repair project and repair costs.

2, supplement the loss when the project, we should distinguish the parts damage occurred in the dismantling process, the storage process, the rescue process, or insurance accident loss.

3, must be in the car or the car in the process of inspection quarantine items, should fill in "insurance vehicle increases repair project application form" in the inspection after the end, submitted to the review before it can supplement the loss.

4, because the repair resulted in repair losses, do not increase the item processing.

Seven, vehicle repair

(1) loss personnel shall not be designated by the accident vehicle repair factory. But the need to disassemble the loss, we can specify the dismantling and repair plant, but need to explain to the customer. After dismantling loss, customers can choose to repair units.

(2) the customer asked me to recommend repair factory, the insured person should be recommended to establish cooperative relationship with our company and repair damaged vehicles collaboration qualified repair plant.

(3) the insured in the insurance of choice "designated repair shop" fees, can be recommended with insurance vehicle specialized qualified repair factory.

(4) conditional area, for the loss bigger loss can be used to repair tender to determine the repair factory. The recommendation and tender repair factory should try to choose high quality repair garage or professional car repair station, no repair of qualified auto repair factory may not recommend participation in the tender.

Eight, repair of vehicle

The loss of large vehicle accident, before its completion and extraction of vehicle repair customers, can choose to arrange vehicle examination, namely the implementation scheme of repair, replacement parts quality and repair quality inspection. In order to ensure the repair scheme, the authenticity of the spare parts repair, replacement, prevent the moral risk, ensure that the interests of the insured. The results of the review should be specified in the insurance policy. If found not to replace the loss and change or not according to the loss price change are plant parts, should be in the charge sheet deduct the price difference.

Nine, the simple case processing

Standard car, three cars and other three party property damage is small, without dismantling, and the parties of the facts, reasons and damage compensation dispute case, can be treated as simple cases,

Ten, the difficult case loss

1, on the loss of vehicle insurance amount is larger, both parties agree to, or damaged vehicles, high technical requirements, it is difficult to determine the losses, can hire experts or professional body loss.

2, the insurance accident loss of vehicles cause, extent of damage identification of costs can be responsible for compensation.

Determination of eleven vehicles, non property damage

(a) third party property and the car on the loss of the goods, shall be insured and the relevant personnel of itemized inventory.

1, determine the amount of loss, loss severity and amount of loss. The same subject-matter should pay attention to avoid repetitive compensation.

2, more than the processing power, and times higher loss or nuclear damage.

3, motor vehicle insurance, property loss making "confirmation" of two copies, signed by the insured, the insurer, the insured each hold one copy.

(two) determine the property loss should pay attention to the following points

1, the principle of damage repair

(1) third party property and goods on vehicle restoration to repair.

(2) cannot be repaired and no repair of the value of the property can take replacement approach.

(3) the replacement should pay attention to the name, quantity, date of manufacture, etc. the main function.

(4) for replacement parts, no replacement parts; can not replace the replacement of parts, assembly.

2, determine the loss quantity

Loss of property of common traffic accident of the ordinary road, city road, highway road property and power supply and communication facilities, greening.

The name and quantity of the related property can refer to local price departments row number and supporting the common name. The number of damaged property to determine the attention must also be paid to the calculation method of science, rationality.

3, determine the amount of loss

(1) simple property loss shall be in the insured in accordance with the property value and loss degree of loss amount, if necessary please manufacturer identification;

(2) on the damaged property is technical strong, therefore higher prices, more difficult items, such as difficult to grasp the standard of compensation can be hired and technical supervision departments or professional repair department identification, no blind pricing;

(3) according to the terms of auto insurance, loss of residual shall negotiate discount folding to the insured, the insured by processing;

(4) supplies surveying

The municipal and road traffic facilities: such as billboards, lamp post, fence, isolation pile, green trees, the loss according to the damaged products production costs and the local municipal, road, the traffic control department of the compensation standards approved;

The building: understand the housing structure, materials, losses, and then determine the repair scheme, finally ask local several construction unit budget in bidding for damage and repair plan, determine the minimum cost of repair;

The farmland crops: in young period in accordance with the green fee plus a certain subsidies, mature crops according to the local similar average crop yield estimation loss;

The livestock, livestock: cattle were injured in treatment, were injured after losing the use value or death, by the animal husbandry department certificate or consultation discount compensation;

The car goods and other goods: according to the different items are loss, some of the precision instrument, electrical appliances, high-grade goods should verify the quantity, specifications, production plant, to the market or production factory to understand the price of goods. In addition, for the car goods shall also obtain the waybill, packing list, invoice, check the loading of the goods, to prevent any loss.

(5) for out of market has not been the production and sale of property, may according to the customer the original purchase invoice amount as the basis, the customer cannot provide invoices, according to the main functions and characteristics of the original product, according to the current market products of the same type computations.

(6) the actual value of the loss is limited to the insured property amount at the time of the accident.

4, to determine the repair scheme

According to the project, the number of loss, repair and repair time and cost to determine the repair scheme. For the loss of large accident or loss technology requires higher accident, can entrust professional personnel to determine the repair scheme.

Twelve, determine the rescue expenses

(a), defined the rescue expenses

1, the rescue expenses refers to when the disaster accident insurance object encountered within the scope of insurance liability, the insurer or its agents, employees, to expand to prevent loss, take measures to rescue the subject-matter insured and expenses, and reasonable fee.

2, necessary, reasonable expenses refers to expenses rescue behavior is direct, necessary, and the related national policies and regulations.

(two) principle to determine the rescue expenses

Determine the rescue expenses should be strictly in accordance with the regulations, and according to the following principles:

1, the insured by others (non professional fire units) of the fire-fighting equipment, the consumption of rescue vehicle insurance expenses and equipment loss compensation.

2, the insurance vehicle after be or get out of danger, hire a crane and other vehicles to rescue the cost, and will be handed to the accident vehicle repair factory transport costs, promulgated in the local price departments responsible for compensation fees.

3, in the rescue process, the property of others and damage due to the rescue, if by the insured person shall assume the liability of compensation, compensation may be. But in the rescue, rescue workers personal belongings loss, no compensation.

4, the rescue vehicle damage insurance vehicle in haulage way accident losses and expenses, if the rescue vehicle is insured themselves or others sent rescue duty, compensation shall be made; if the rescue vehicles are paid services, refuse to compensate.

5, the insurance vehicle after be or get out of danger, the insured to the accident scene processing costs, shall not be responsible for.

6, only the insurance vehicle rescue expenses.

Insurance vehicle after insurance accident happens, involving two vehicles should be assessed according to the above expenses: responsibility. Impaired vehicle and the cargo insurance (or its towing other insurance companies underwriting the trailer) was also save, save money (or rescue the other insurance companies underwriting the cost of the trailer) should be removed. If their expenses: don't know, they should be the insured vehicle and goods (other insurance company underwriting the trailer) were allocated in proportion to the actual value of the compensation.

7, the insurance vehicle for imported cars or special vehicle, the accident occurred insurance responsibility, local does not repair, the insurance company agrees to the field repair transfer fees, may be responsible for the repair, and indicate the amount of insurance policy in place and. But the escort vehicle salary and travel expenses, shall not be responsible for.

8, rescue, protection costs and repairs shall be separately adjustment. When the rescue, protection costs and repair costs are added, estimate the actual value has reached or exceeded the insurance vehicle, can compensate according to the constructive total loss shall be.

9, the vehicle damage insurance treatment costs is a separate insurance amount, but the third party liability insurance rescue expenses is not a separate liability limit. Sue and labor expenses and third third party liability insurance liability limit shall not exceed the loss amount of the sum of the third liability insurance.

10, the rescue fees should be in accordance with the relevant provisions of the corresponding liability, insurance deductible franchise corresponding.

11, major or special case of rescue expenses should be entrusted to professional rescue units issued by the relevant rescue plan and cost calculation list.

(three) recorded rescue situation

(1) the accident vehicles and other assets to rescue, should record the name, quantity, weight, rescue the property value, rescue, rescue.

(2) was the rescue property rescue, should be in the survey have been recorded in the rescue expenses.

(3) the subject matter of the insurance and other property to the rescue, and the insured that the principle of treatment costs and the survey record.

In thirteen, loss of flow chart

In thirteen, loss of flow chart

The fifth section vehicle damage checking

Nuclear damage refers to the process by the nuclear damage personnel loss of insurance accident loss relates to vehicles and other property losses are reviewed, including in the matter, after the nuclear damage and remote synchronous nuclear damage. Nuclear damage is to improve the quality to ensure the accuracy of loss, damage, standard and unified.

One, working principles of the nuclear damage

The general principle of loss price: a "me first", grasp the initiative of the loss.

1, repair is limited to the accidents caused by the loss;

2, the accident vehicle repair, repair parts to repair, not to replace the new parts;

3, can not calculate the man hour fee according to the assembly overhaul local repair, replacement parts cannot be calculated costs according to replace the assembly;

4, parts prices, repair man hour quota (or time cost) calculated separately, only the replacement parts only management fees, the replaced parts to calculate residuals;

5, the principle of control management fee at around 8%, special circumstances shall not exceed a maximum of 15%;

6, parts prices in accordance with the relevant provisions of reported nuclear price, spare parts costs follow the "price city" and "newspaper for combining" principle;

7, residual value should be treated to the insured or repair factory, and deducted from the total repair cost, insurance recovered parts residual not less in total repair cost;

8, found belongs to the customer self part should be listed in the report of loss, and the customer to confirm.

Two, the work content of the nuclear damage

1, according to the survey, take a single information input information, vehicle license information, damaged vehicles photograph information, to know the type of damage to vehicle models, specifications, model year and body structure, comparing the four provides license plate number, engine number, chassis number (VIN code) are the same;

2, through a copy of the single information, reporting of information, investigation shows understanding the accident time, place, reason and the collision process, determine the scope of insurance liability;

3, look at the scene photos recording, loss of picture trace records, check the occurrence reason, course and probably loss is consistent, without increasing the losses; such as uploading data can't reflect the content of accident loss, or photos can not reflect the integrity of the accident loss and accident picture position, should inform the surveyor to supplement the relevant data.

4, to see all the photos of damaged vehicles, visual impact location, direction judgment collision, collision force, to determine the scope of accident loss, preliminary, and estimate the possible damage;

5, along the collision force transmission line system to check the vehicle parts damage, no signs of damage until the position, to prevent the omission of indirect losses (indirect losses were damaged by the collision force along the body force transmission and the effect of the inertia force in other parts of the body caused by. The indirect loss is difficult to comprehensively identify and analysis, however, no matter from which direction the collision force, will make the frame or body deformation. So, set / nuclear damage in fixed / nuclear damage must try to find parts deformation traces, and check all the bolts, gaskets or other fasteners have not moved or out of position, there is no exposed metal surface unpainted, internal coating has no crack or cracks), and at the same time, pay attention to the distinction between indirect loss and non accident loss (for example: the roof folds, bending and top surface depression, engine mount, suspension, steering, chassis and other parts of the mechanical parts wear, aging and external impact damage);

6, pay attention to wear to observe all kinds of switch, facilities and odometer number and car tire;

7, determine the damage is limited in the body within the scope, whether also contains functional parts, components or hide parts (such as wheels, suspension, engine, the dashboard inside etc.), according to the collision force transmission range, damage and deformation of the parts removed after the loss of photos to distinguish accident injury and disassembly injury;

8, strictly according to the assembly and disassembly, repair, maintenance electrician, sheet metal, paint to determine the classification of repair project and according to collision and collision force transmission line to determine the line change project, and timely record parts reflects the photos of models, specifications and spare parts and some parts coding;

The inquiry to market in 9, according to the model, specification, model year and accessories code, determine the accessories price and according to the local labor expense standard to determine the repair repair workingtime price according to the "price city" principle.

Three, nuclear damage in the work of audit focus

(a) the loss of vehicle

1, review the loss will be uploaded (estimated) integrity loss list and accident photos

2, change a project review

Focus on the change of the project is:

(1) a project for eliminating shall repair (repair expenses exceed except replacement cost).

(2) excluding non caused the accident loss project.

(3) assembly removing replaceable parts.

According to the market supply of spare parts, for replacement parts, no replacement parts; can not replace the replacement of parts, assembly.

(4) excluding insurance vehicle standard new item exchange equipment (plus new equipment loss insurance except).

(5) excluding insurance exemption item for responsibility part.

If the tire burst tyre explosion caused by the insurance accident, cause the engine inlet of engine damage, spontaneous combustion caused only electrical appliances, circuit, fuel supply system loss.

(6) excluding super standard dosage of oil, accessories, antifreeze, coolant etc.. As required replacement parts for automobile air conditioning system, refrigerant without leakage, Recyclable reuse treatment etc..

3, vehicle spare parts price audit

(1) review of vehicle spare parts prices should be based on the price of insurance system, approved by the local auto parts market reference price.

(2) there is a special agreement for the policy, in accordance with the agreement. Such as the specialized factory price, domestic or imported glass price etc..

(3) residual to the insured, the residual value amount of review.

4, repair projects and methods of audit

(1) distinctions between the accident and non accident loss. Excluding non produce the accident repair project.

(2) should correctly grasp the repair process, repair, assembly and disassembly project to eliminate unnecessary.

5, repair time and cost audit

(1) control accident photos and quantity, repair parts damaged, remove excess work part.

(2) to the local industry standards for the repair time limit, according to the working out of market price, eliminate excess monovalent part.

(two) the vehicle total or constructive total loss of the audit

1, total loss / constructive conditions

(1) the accident vehicle could not rescue

(2) the actual value of vehicle insurance expenses: reach or exceed insurance accident vehicle.

(3) the accident vehicle repair costs the actual value of the accident vehicle at or over the insurance accident.

(4) when the accident vehicle repair costs and save costs and achieve or exceed insurance accident, the actual value of the accident vehicle, can be insured and consultation to take constructive total loss treatment.

The calculation of 2, total or constructive total loss

(1) the insured to recover the residual material

The loss amount = actual value of salvage

(2) the insurer to recover the residual material

The loss amount = actual value

(three) other property losses of audit

Other property consists of third non vehicle property and the cargo.

Nuclear damage other property including quantity, unit price and loss loss, nuclear damage repair scheme / cost. Refer to "non motor insurance claims will be damaged for practical guide" processing.

Four, nuclear damage results

(a) approved the loss

When the nuclear damage Personnel approved by the surveyor (estimated) loss list, signed approval opinions will damage a surveyor to related.

(revision two) loss

When the nuclear damage staff revision or change the surveyor (estimated) after the loss and loss amount, correlation loss will notify the relevant requirements and suggestions for revision.

(three) the nuclear damage over the nuclear damage access permissions, reporting to a higher nuclear damage. Nuclear damage results ultimately nuclear profit audit determined, as the final results, it shall not be changed without authorization.

And loss investigation section sixth injured cases approved

One, medical investigation

(a) medical investigation refers to the insurance accident happens in the vehicle, caused human casualties, the wounded rescue, investigators to casualty treatment, assessment of the cause of death and disability grade identification, tracking process usage and related costs.

(two) the main contents of medical research is:

1, understand the situation, the severity of the injury.

2, tracking the treatment process, coordinate the rescue and treatment of injured.

3, to inform the medical expenses insurance can bear range.

Evaluation of 4, the cause of death and disability identification to tracking and investigation.

Two, medical investigation preparation

1, underwriting information: to work after a timely understanding of cross strong insurance, commercial third party liability insurance, liability insurance, car insurance underwriting information involving casualties, all types of franchise and special agreement;

2, after the accident: contact between the insured, the understanding of accident, accident casualties and the wounded and motor vehicle insurance relationship, whether the accident involving other damage etc.;

3, involving only casualties and without a vehicle inspection case should check the underwriting standard.

Three, medical investigation content

For minor injuries were not admitted to the hospital, through telephone survey and inform the insured claims instructions or to customers who hurt claim materials approved. For serious injury or injury hospitalization, injured investigators should go to the hospital for investigation of the wounded.

1, disability cases investigation

(1) understand the injured case basic information, the outpatient treatment, the hospital diagnosis, the actual medical expenses incurred, the accident and responsibility, the treatment effect, treatment plan the next step, the past history of disease.

(2) for cosmetic surgery, dental treatment fee, cause anamnestic, disability, and complex cases, should be associated and the rationality of key verification cosmetic, dental treatment, triggered by the history of diseases, disability and traffic accident trauma.

(3) after the accident and to verify and record the reason, pay attention to verify whether belongs to the cross strong insurance liability exemption or advance medical expenses of compulsory traffic accident; motor vehicle brands, involved in the accident compulsory insurance information; the driver out of the situation, the accident caused loss of people, vehicles, materials;

(4) the basic personal information, trauma diagnosis and treatment information, past history of disease (a past history of disease, need detailed records of disease, trauma or medication and treatment effect);

(5) patients and nursing staff occupation status, income situation, the number of nursing and nursing period;

(6) the actual occurrence of medical expenses, hospitalization deposit payment;

(7) to the competent doctor the specific diagnosis, treatment, follow-up treatment scheme of medical professional problems, is expected to reach disability evaluation standard, evaluation grade of disability;

(8) a copy of the record / certificate of diagnosis or treatment and cost data.

(9) inform treatment according to the road traffic accident trauma and rescue personnel guidelines for diagnosis and treatment of local social basic medical insurance standard.

(10) shooting ward traumatic person bed card and other related photos;

(11) on the need to pad / payment disbursements medical expenses case, for the record / certificate of diagnosis, rescue bill and detail to the hospital, collect hospital strong insurance to pay medical expenses, medical expenses of special account management, contact, contact way.

(12) producer injury survey report. Drawing the human body injury, the injury site description.

2, death investigation

(1) the hospital rescue invalid death and discharged after treatment because of the traffic accident causes the death case, shall be carried out according to the requirements of hospitalized case survey. To verify the accident trauma or wound complications are the leading cause of death, causes of death are not clear case, especially the serious disease history or suspected iatrogenic factors, should require the insured party as soon as possible to the judicial departments for identification of the cause of death.

(2) death investigation should pay attention to the native place, the household registration, permanent residence and residence time, dependents, maintenance information;

(3) in permanent income, age and other information collection;

(4) the other compensation death cases may involve,

(5) other information survey implementation according to the disability cases.

The three injured cases, disclosure content

(1) the injured for the insured and the written report procedures were not performed, should guide the insured to fill in the "application" claims, suggesting that customers read "motor vehicle traffic accident liability compulsory insurance claim notification" and sign. Customers do not understand the content or prone to part of the problem, is described in detail.

(2) according to "the Supreme People's court 'scope of compensation, on the relevant issues concerning the application of law in the trial of personal injury compensation case explanation'" items and standards, issued by the Ministry of public security injured in road traffic accident assessment (GB18667-2002), and the "social basic health standard for road traffic accident trauma clinical guidelines for the diagnosis and treatment of persons" and medical treatment is approved for personal injury compensation amount;

(3) issued by the hospital for sick leave certificate and calculation of actual daily loss of working time, combining; delay amount is higher than the industry standard, need to provide proof of tax payment.

(4) outpatient treatment cases, need to do a good job in outpatient medical records, medical invoice claims must have corresponding treatment measures of outpatient medical records;

(5) the disease deterioration, the outpatient service to hospital treatment, to disability or other expenses, please timely contact with medical nuclear damage;

(6) inform medical nuclear damage to the contact way.

Four, the agreement of compensation

The injury minor or after treatment, the illness has entered the stage of rehabilitation of injured, especially at the same time Division I underwriting compulsory insurance and commercial three party insurance cases, advise and assist the parties to take a one-time accident compensation agreement, shorten the closed cycle. Where the use of the agreement of compensation cases, should be fully prepared medical case of prophase investigation, collect relevant evidence of early treatment, to determine a reasonable medical and rehabilitation expenses later will happen. The amount of compensation for the larger cases, should make "agreement of compensation that" report to the superior organ.

The five injured cases, compensation standards and audit

Medical audit refers to the insurance after the accident, the victim of medical expenses, in accordance with the provisions of article of agreement. Medical costs include medical fee, fee, hospitalization fee, hospital food subsidies, follow-up treatment costs, plastic surgery, the necessary nutritional costs etc..

(two) medical audit basis

1, the insurance terms;

2, the State Council formulated by the competent department of health personnel "traffic accident trauma clinical guidelines";

3, the national basic medical insurance standard.

(three) medical audit content

1, medical expenses audit

The medical expenses according to the health standards, according to the medical insurance scope verification.

(1) review the medical expenses and time consistent bill whether accident, examination and treatment costs are associated with the accident.

(2) from the non Medicare drugs (or a class C drug) at the expense of part a and B, and medicine;

(3) to eliminate the cause of the insurance accident treatment of non trauma and the occurrence of medical expenses;

(4) excluding unauthorized hospitalization, the original hospital certificate no transfer, revisit, outsourcing drug costs.

2, the audit fee

(1) removed more than health standard range fee;

(2) removed more than the local price department approved standard fee.

3, hospital expenses audit

Remove more than health standard bed charges. Bed fee by the day and local health standard hospital cost calculation.

Excluding non compensation project and cost. Such as: her fees, meals, air-conditioning costs etc..

Removing in-hospital clinic invoice, except for special expenses special separate accounting and.

4, hospital food subsidies audit

Determination of hospital food subsidies refer to the local state organs, the general staff of the travel food subsidy standard. The victim is necessary to field treatment, due to objective reasons can not be hospitalized, the victims themselves and their actual nursing staff accommodation and meals, should be a reasonable portion of their compensation.

Remove more than the standard group of subsidy. Group of subsidy by the day and the local daily allowance standard length calculation.

5, the follow-up treatment expenses audit

The follow-up treatment costs is that the victim's body has not been recovered, needed to continue treatment, such as the two operation cost etc.. The follow-up treatment fee based on the victim injury and hospital opinions approved.

6, cosmetic expenses audit

Excluding non for the restoration of physiological function and produce plastic surgery.

7, the necessary nutrients for audit

According to the disability with reference to the views of medical institutions to determine.

8, implanting material audit

Implantable materials refers to the Department of orthopedics, Department of cerebral surgery, Department of Stomatology and other related disciplines to restore function (non cosmetic or plastic) for the purpose of permanent or temporary implantation in the human body material.

Implantable materials domestic ordinary type, made of special materials, imported materials etc..

(1) according to the local health standards, excluding domestic ordinary type, self proportion of domestic special materials, imported materials part;

(2) treatment resulted in the elimination of non insurance accident trauma and implant material cost;

(3) from the non functional recovery in organ for the purpose of cosmetic surgery, orthopedic implant material costs;

(4) excluding dental implants cost cost more than ordinary.

Six, other expenses audit

(a) other expenses mainly refers to the death and disability costs. Including funeral expenses, death compensation, relatives of the victims for traffic accidents expenditures reasonable transportation costs, disability compensation, disability AIDS fees, nursing fees, transportation fees, was dependent for living expenses, accommodation costs, delay costs, mental damage to the insured in accordance with the judgment of the court or the mediation undertaken solatium etc..

(two) the audit basis

According to the "standard review on the relevant issues concerning the application of law in the trial of personal injury compensation case explanation" of the Supreme People's court

1, funeral expenses

According to by the seat of the court last year on the average wage of workers, for the sum of six months.

2, death compensation

In accordance with the seat of the court on appeal by the year of urban residents per capita disposable income per capita income or rural residents, according to twenty years. But more than sixty years of age, the age reduction for each additional one year old years; more than seventy-five years of age, according to five years.

3, transportation costs

According to the victim and the accompanying staff because of the necessary medical treatment or transfer of the actual treatment costs. Transport fares should be based on a formal paper for; relevant credentials should be consistent with the location for medical treatment, time, number, number.

4, loss of working time

According to the victim's loss of working time to determine the time and income. The delay time is determined according to the certificate issued by medical institutions for treatment of victims. Maimed victims of the continuing loss of because of injury, the delay time can be calculated to set the day before the residue. Victims of a fixed income, loss of working time reduction in fees based on actual income. Victims of non fixed income, according to the calculation of the average income of the last three years; the victim can't prove the last three years the average income, can be referred to by the seat of the court the same or similar industry last year the average wage of workers calculation.

5, the cost of living dependency

According to the dependency degree of loss of working ability, according to by the seat of the court last year, per capita consumption expenditure of urban residents and rural residents consumption expenditure per capita standard of living.

Dependents were known to be minors, to eighteen years of age; dependents no working ability and no other source of income, the calculation of twenty years. But more than sixty years of age, the age reduction for each additional one year old years; more than seventy-five years of age, according to five years. Dependency is defined as being the victim should bear the support obligation in accordance with the law of minors or disabled and no other adult living near relatives. Be dependent of other dependents, the compensation obligor shall bear the expenses for compensation according to law. Only part of the. Several people were dependent, the total amount of annual compensation does not exceed the previous year of urban residents per capita consumption expenditures or rural residents per capita living consumption expenditure.

6, disability compensation

The victim lose labor ability according to the degree or level of disability, in accordance with the seat of the court on appeal by the year of urban residents per capita disposable income per capita net income of rural residents standards or disability, the date according to twenty years. But more than sixty years of age, the age reduction for each additional one year old years; more than seventy-five years of age, according to five years.

Disability but no reduction in real income, or level of disability is light but occupation caused serious prejudice to affect their employment, can make corresponding adjustment to the disability compensation.

7, disability AIDS

According to the calculation of reasonable expenses standard of common and applicable appliance. Injury with special needs, assistive devices can be prepared with reference views of the bodies to determine the reasonable costs of the corresponding standards. Replacement cycle and compensation for the period by reference to the preparation of bodies identified.

8, nursing fees

Determined according to the income situation and the number of nursing, nursing period.

Nurses have the income, in accordance with the provisions of the delay costs; no income or employment of nursing staff workers, pay labor standards refer to the local nursing care workers engaged in the same level of care. Nursing staff in principle for a person, but the identification of medical institutions or agencies have a clear opinion, you can reference to determine the number of nursing staff.

The nursing period shall be calculated to restore life to the victim only when self-care ability. The victim can not be restored due to a disability life self-care ability, can determine the reasonable nursing period according to the factors of age, health status, but not longer than twenty years. Residues after the victim care, care should be in accordance with its dependence in combination with the preparation of the case of disability aids to determine the level of care.

9, mental injury solatium

The victim or his close relatives suffered mental damage, compensation for the right to the people's court for compensation for mental damage solatium, apply "the Supreme People's Court on some issues of determining civil right infringement spirit damage compensate responsibility" to determine the interpretation. Motor vehicle traffic accident liability compulsory insurance in the amount of death and disability in the final responsibility, compensation of mental injury solatium.

(three) problems need attention in the auditing

1, death compensation review

(1) the principle of territoriality: or the accident by the seat of the court;

(2) to distinguish between urban and rural residents. In the town have been staying for a full year of rural residents, according to the per capita net income of urban residents calculation. No temporary resident certificate for rural residents, according to accounts thin marked character processing.

(3) note that the chronological age, last year in the local standard time, over 60 years old and 75 years old the calculation period.

2, relatives of the victims for the funeral expenses of the transport costs, delay costs, accommodation cost audit

(1) the unreasonable part excluding transportation fee: transport more than ordinary ticket bus, train hard seat tickets ordinary part; over part or reach the site is not a recent site;

(2) excluding tardy people, time is not reasonable part, lost wages over the lost wages calculation standard part;

(3) excluding accommodation people, time is not reasonable part, accommodation standards than the national organs of the general staff of the mission standard.

3, the compensation for disability audit

(1) according to the national standard (GB186672002) "formula to calculate the injured in road traffic accident" in evaluation:

A) single grade disability calculation

Disability compensation = disability compensation years * per capita disposable income * (11 - grade of disability) /10

B) comprehensive calculation of multi grade disability

Comprehensive calculation of multi grade disability is according to the highest grade of disability and other disability level coefficients to be calculated. The following formula:

Multistage disability actual damages = total disability compensation liability should be * * coefficient% (the most senior disability compensation coefficient + other disability grade coefficient and) other disability coefficient and by not more than 10% calculation.

(2) according to the accident happened the per capita disposable income or per capita net income standard calculation;

4, disability AIDS charges audit

Disability AIDS fees refers to implement all or part of loss of function necessary compensation function caused by disability costs. According to the general and applicable appliance price multiplied by the approved expenses appliance replacement times and replacement of equipment maintenance cost and calculating.

(1) the difference luxury, excluding preparation luxury assistive devices and similar general type middle price or joint venture for the lowest price.

(2) for eliminating danger to traffic department more than standard replacement price and replacement of standard part of life.

5, nursing fees audit

Nursing cost refers to the traffic accident victims, the disabled, the deceased during treatment for seriously the life cannot provide for oneself, need special care personnel costs. Proof material calculation nursing fees according to the medical institutions for medical treatment issue based.

(1) the number of nursing fee excluding super standard range. Nursing staff in principle for a person, but the identification of medical institutions or agencies have a clear opinion, you can reference to determine the number of nursing.

(2) nursing fee excluding over billing standard part. Nurses have the income, in accordance with the provisions of the delay costs; no income or employment of nursing staff workers, pay labor standards refer to the local nursing care workers engaged in the same level of care.

(3) residues after the victim care, care should be in accordance with its dependence in combination with the preparation of the case of disability aids to determine the level of care.

6, transportation fees, audit

According to the calculation of the traffic accident happened to the general staff of state organs on business travel, transportation by bus, train hard seat mainly ordinary.

(1) removed without formal bill, or formal bill and location for medical treatment, time, number, number does not coincide with the part;

(2) rejecting over ordinary buses, vehicles more than ordinary hard seat train fare standard part.

7, the cost of living was dependent audit

(1) investigation and proof of residence and the actual dependents, eliminating more than the actual number of dependency allowance amount;

(2) number of dependent people, pay attention to the total annual compensation of not more than one year of urban residents per capita consumption expenditure or rural residents per capita living consumption expenditure.

8, accommodation cost audit

(1) excluding accommodation people, time is not reasonable part;

(2) excluding accommodation standards than the national organs of the general staff of the mission standard.

9, lost income audit

(1) the delay time of audit

① during hospitalization days of hospitalization with actual working time shall prevail, after hospital hospitalization time overlapping time should be eliminated;

To eliminate non medical institutions certifying the tardiness;

③ removed more than "traffic accident staff trauma clinical guidelines" to determine the standards, and no reasonable proof of the delay time;

Excluding the disability evaluation after the loss of time.

(2) proof of income audit

The victims have proof of income, should provide proof of tax payment, or by the work units stamped including other people's payroll table (there are deducted from personal income tax.);

The victims have no proof of income (including housewives, unemployed and so on), referring to the same or calculate out the average wage of the industry last year is similar to workers;

The elimination of the victim before the accident without labor ability, minors under the age of 16, students, according to state regulations retired personnel of the delay costs.

Seven, injured verification flow chart