The car accident survey and evaluation

The car accident scene survey8 V (g) N1 e- T5 K c& C3 \
Scene 2.1 car accident the concept and theoretical basis of exploration
The car accident scene survey, even after receiving the accident alarm, the insurance company loss will be rushed to the scene of the accident in the first time, through the investigation of the accident party speaking, record. And through the digital camera to the scene of the accident the powerful evidence. Through the analysis of the traces of the scene of the accident, reducing accident accurate rapid onset after. To ensure the authenticity of the reliability of the accident. To safeguard the legitimate interests of the parties.* w (W& S/ B2 W! G, D7 G8, Q J8 {
Through the analysis of the traces of the study, reducing accidents occurring right after. With the driver's heart, let the active combat advantage, in order to collect evidence, accurate surveying the scene.5 H1 D5 k: n/ R* U3 p
2.2 the scene of the accident investigation
The basic 2.2.1 process and survey steps
Car insurance, to determine the loss is the insured to request, in which belongs to the insurance responsibility, the insurance company claims process is:
First of all, please immediately call the insurance company telephone or condition by fax report to the insurance company, insurance company claims service personnel will report to ask out, assist in relief, inform subsequent claims processing process and guide the informant dial alarm calls, emergency report to dial the alarm the telephone.
In second, the informant's assistance, assessment institutions, insurance company claims personnel or entrust technical appraisal institutions, overseas agent to the scene of the accident or guide the informant will drive to fast claims center (less loss does not affect the normal driving situations) investigation accident, understand the loss involved, check and initial collection and the nature of the accident, cause and loss and other evidence and information, to confirm whether the accident to liability insurance, to provide professional technical support specialized technical appraisal departments or institutions when necessary. The insurance company will guide the informant fill out notice (petition claim), issued to the informant claims. Notable is, accident responsibility is different, the insurance company pays the amount is not the same. Of course, this is mainly for the multi accident, take full responsibility, the insurance company will pay the losses on both sides, bear the main responsibility, equal responsibility or secondary responsibility, you need both sides of the insurance companies to participate in the loss, then according to determine the proportion of compensation responsibility. No duty is only to find his insurance company.
Third, determine the loss position. Surveyor arrived at the scene or the informant is reached quickly claims center, surveyor will the pictures, get first hand car loss of picture, to determine the loss position.
Fourth, to determine the finished loss position, depending on the extent of losses and determine the need for dismantling. If the loss is small, can be a single site. A single, need to determine the insured vehicle location, mainly for 4S shop repair plant and two kinds of above, because these two regardless of time or the parts price, is not the same. With the loss of relatively large, can not completely reflect the internal loss in appearance, need to repair factory overhaul, loss of items are identified by repair factory, and then notify the insurance company, the insurance company surveyor to the repair factory check loss project, ultimately determine the amount of loss.8 m U'A d)! "@#?
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The basic steps of 2.2.1.2 site survey
Arrives at the first site in the surveyor, first of all need to like the client for the driving license, driving license, and insurance policy. And check whether the validity period. And take pictures with the camera evidence.3 ]8 C% N7 g/ Q; Y (? 3 P& ~ / W7 Z
Carefully observe the site, and ask the customer occurrence reason, while collecting evidence on the spot, took the accident scene with a camera to take. Through the analysis of accident, and describe the same customers. If not, it is necessary to consider the scene is true. Whether the customer wine rack, whether or not the first time to report to the police, if customers or false accident repair factory deliberate. ^'; K8 R) D {3 R'F$O$d7 O
In all the photos are complete, you can charge for a simple accident, if the car accident hurt badly, is required for owners to the corresponding repair plant dismantling. [. I/ S3 P: L; ^3 P- J2 Y

2.2.2 The science of trace analysis and example7 Z1 G+ S7 k% h$h# @9 K
The relationship between the motor vehicle accidents according to their occurrence, usually divided into the car and the car accident, accident, and vehicle accidents and other accidents four categories. All kinds of the scene of the accident have its intercommunity already, also have their own specialty. But the accident vehicle common traces in the insurance accident, include the following types
The tyre imprint;( p, x: t+ R8 B
It is the wheel of the traces on the left in the road, directly reflects the tyres on the road driving position, and display the exterior pattern feature wheel itself
The braking moulage1 X+ F1 M8 S6 R
It is the vehicle emergency braking, black friction wheels and road and the formation of the towing, often used to determine speed. In general, the faster the speed, braking distance is long. The length of the braking moulage is also closely related with road and vehicle speed vehicles of different types, different. Shipments of the same road, the same type of vehicle, the braking moulage length is different.: B/ V8 M8 O- J$U7 [~'
Surface scratch marks;
It is the fracture, body and related parts fall off, and the formation of the road, wiping the face row traces. Usually linear, carved shape, shape, furrow discontinuous point form- L) G! " B9 T) t+ z
Vehicle trace;Y& E2 `1 o ( `1]#
It is the accident vehicle and other vehicles, objects collide, scratch, subversion, formed in the body of imprinting. For example, a geometric object is rule of vehicle at a site is after the impact, the impact strength is greater than the impact position of objects, objects subjected also often have the impact point of attachment2 f% K (B8 s: [(g/ {
Attachment trace.
It refers to the vehicle impact or overturning, left in the body and ground attachment. Usually includes pieces of metal, glass, wood, oil, paint, hair, blood, tissue, belongings, fiber, dropped cargo U ( A, g& C+ U: C6 D% C
Generalized trace:+ Q B- R$C ( H P! J! h O
Generalized trace is due to accidents caused by damage to the scene within the scope of the original situation reflected image. Generalized trace survey is done according to the relationship between the distribution, left at the scene of the accident. Morphology, traces, so broad scope involving relatively large traces. The reason and process of generalized traces, is enough to explain the cause of the accident and the nature.
The narrow sense:
The narrow sense refers to the collision traces of other object to bear object, caused by the two object and the change of the form of left by the reflected image. The narrow sense traces with external structure image, i.e. geometry size, from bear object traces reflect other structure of the object image. The narrow sense traces are characteristic identification. Therefore, investigation on narrow tracks, has the important significance of evidence.
The car structure image trace7 l5 i/ e! P'J& J, p q
The formation of vehicles structure image traces, is the role of other objects and bear the guest physical contact formation occurs. _&! T! D4 D4 N _)
The size of the force, direction and angle, determines the integrity and the surface structure of the image. A large force, formed the obvious signs, large area, deep depression degree, have stereo feeling; on the contrary, obvious traces, incomplete. As the force from the vertical direction, the trace formed relatively complete, true. The effect of angle is greater than or less than 90 degrees is the trace characteristic will greatly changed. Compared with other object to object. Modelling object hardness, strength, she can take shape and secretions, the isolate, attachment left in the supported object, can bear object department structure material attached to, destroy the shape feature. Bear object can keep other object shape feature. It has the characteristics of adsorption, penetration, plastic deformation, etc..* g+ P6 c/ @ K, K3, D _% |/
Plane trace
Plane trace is modelling object and bear object are in contact with each other, bear object from other objects, the particulate surface medium changes increase, decrease or tone, but the object itself has no plastic deformation, only showing a modelling object contact surface structure surface. The plane only trace contour without depth. When the bear object hardness greater than other objects, or its hardness although equal or smaller, but the other object force is small, due to insufficient bear object deformation, adhesion, adsorption capacity of two object surface increase or decrease two object surface secretion substance, plane trace is divided into layers and layer reduced traces. The formation of planar layer traces, is the other object of substances or secretions, inherent attachment left in the bear object surface, forming an additional layer under the object surface. Such as cars in emergency braking hard pavement formed tire marks. The formation of planar layer reduced traces, is the two object in contact with each other during the friction process, modelling object will bear the fine material object surface away, a layer of attachment formed in the other object surface. Such as cars and medium-sized passenger car scratch accident, medium-sized passenger car the paint on the surface attached to the car body.4 r6 N4 K5 Q. n- V9 N1 k* V, X. O6 F
Stereo trace,1 }7 U U, T1 T! P
Stereo trace is modelling object and bear object collision accident, modelling object applied and bear object collision force, so that the formation of the corresponding with the other object based external shape with concave convex change. It reflects the stereo image feature modeling object contact years in 3D space.* y1 K7 M2 L4 X (P
Stereo trace formation conditions, other object hardness greater than bear object, and bear object has certain plasticity, force is greater than the compressive strength of the supported object, the bear object deformation formed stereo trace. Such as snow, soft land on the tyre imprint; and the collision, the head is formed in the automobile fender, the cover head shape of imprinting.$ `, T4 E6 v. i% D7 g: P `'
Dent mark
Conclusion depression traces should meet the following criteria: left parts of other objects with the formation of the trace on the scene condition is the trace and sample shape, size, roughness should be consistent, good quality characteristics, morphology, relationship, direction, angle, the number should be consistent. The difference should be scientifically explained.( x: {5 F& {: U5 Y. x E
Conclusions sag negative traces have the following conditions: the shape, size, roughness traces do not coincide, lack of good quality, a few features with contingency.
The line is to meet the following criteria: traces of other objects have form the scene trace conditions, with concave and convex line features stable and reliable, consistent concavo convex trend scratch cross-sectional differences in ethnic characteristics, should be a scientific explanation.
Static and dynamic
The difference is two guest contact, the contact surface movements.
Static trace refers to the two object collision, the force of vertical or near vertical, the contact surface in a relatively quiescent state, no relative motion on the plane. For example a head-on hit a tree or pole, formed in the car bumper or in front of the tree or pole.
Dynamic trace refers to contact two object, because the direction of the force is a sharp angle, two object collision occurs at the contact surface has the relative slip traces formed. For example, the same to the vehicle or scratch accident and oblique collision accident the same. Dynamic trace forms are concave and convex beam performance.. \; a- r* D) Q |, C
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The 2.2.3 heart study application and example: n1 V$I'Y8 Y- T {*, k% K: w
According to the analysis of the trace on the scene, the body is left scar hurt by sharp and hard objects. To reject the heart.1 L6 T- F1 A& W+ n; N; o
To communicate with the customer, ask its claim on the insurance after the customer through the analysis. For traces of the scene of the accident, it can be seen that the scar is not a wound wire rod, according to the empirical analysis, the scar is very likely the truck water chestnut. Then using the terminology to describe the scene trace their. Inform the customer doesn't conform to. At this time, the customer has shaken. But the customer refuses to admit that it is false, then we require customers to dial 110, please police field.2 A1 G9 * y: {7 J8 g, B
At our request, the customer to call 110 when the customer psychology has a slight fluctuation, after all, the site is fake.
In the customer reported after 110, we begin the psychological offensive to the customer. Firstly, we tell him, police arrived at the scene, if the traffic police found the scene of the accident was a deliberate forgery, belong to fraud, 5000 yuan to detention and fines, the amount of over 5000, to 1 years in prison, the customer psychology have begun to fear, but not willing to waive the claim, we are the lowest price assessment of loss of accident, then tell the customer, if strong insurance payouts walking route, probably in about 1700. (in fact, accident insurance valuation last 7300) and next year premium increase of 10%, is about 300 yuan, after deducting liability franchise at about 170. Only the customer can get the amount of the claim about 1400. At this time customers admit accident is false, his car was parked in the area inside, the morning found the car stop loss. But don't know how to deal with, 4S shop allows customers to make a fake site, but no trace of customer knowledge, leading to the scene we see through. At this time, the customer psychology has completely shaken. We inform the customer, if the police come, we can not give up the claim, and personal files may also have a bad record. When clients have been completely in a passive situation, active consultation with us. At last we scare, customers take the initiative to give up the claim. |!!? 4 M. D. B1 A]#}$
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