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What are the precautions for auto insurance claims investigation and loss determination?
Because the scene of the accident is irreversible and regenerative, this requires the loss adjuster to do this work in a timely, meticulous, comprehensive and complete manner, and there is no room for carelessness. First of all, the staff must arrive at the scene immediately after receiving the report. On-the-spot investigation is a work with strong timeliness. We must seize the advantage of clear traces shortly after the crime. Once the evidence is destroyed, it is impossible to extract the relevant evidence at the first time. Only by protecting the site as much as possible can we reduce the expansion of losses and provide powerful conditions for on-site investigation and damage determination. Secondly, on-site survey is a meticulous, tedious and complicated work, and the staff should master the skills of auto insurance survey and damage determination. Before the investigation, they must determine the scope, order and focus of the investigation according to the specific situation on the spot, draw up the investigation plan, and conduct the investigation according to the determined order and steps. What are the skills of auto insurance survey and damage determination for the traces of accident vehicles? The inspection of vehicle traces is closely related to the scene of the accident. In the accident scene investigation, the following investigation methods should be flexibly selected according to the different characteristics of the scene: (1) Investigation along the vehicle driving route. Whenever the scene of the accident is not damaged and the traces are clear, this method can be used to investigate and collect evidence along the traffic traces. (2) Investigation methods from the accident center outward. This method is suitable for the scene with small scope, concentrated traces and clear accident center. After the investigators arrive at the accident center, they can survey the surrounding areas one by one to fully verify and understand the case. (3) The method of measuring from the periphery to the center. That is, the method of gradually narrowing the investigation from the periphery of the accident site to the accident center. (4) One-by-one investigation method. Suitable for large or forging sites, it can be divided into several pieces or sections, and then checked one by one. A good loss adjuster can not only arrive at the scene in time, but also actively collect and master first-hand information, use the skills of auto insurance survey and loss determination, comprehensively analyze the cause of the accident, accurately judge and divide the responsibility for the accident, handle auto insurance claims fairly and reasonably, and bring a good reputation to the insurance company.