How Do I Get Insurance Adjuster Training?

Auto insurance claims adjuster is a professional who is engaged in auto insurance claims consulting. With the increasing number of vehicles, the number of vehicle accidents is also increasing, and the contradictions between the insurers and the insured are becoming more and more obvious. The society increasingly requires professional insurance claimants to participate in the auto insurance claim business.

Auto insurance adjuster

At present, great changes have taken place in the concepts and methods of auto insurance claims in China, mainly in the following aspects:

I. With the deepening of reform and opening up, insurance companies have gradually transformed from state-owned private enterprises to complete

A. Automobile insurance and insurance principles; B. Vehicle identification and automobile structural foundation; C. Data preparation and organization construction for automobile insurance assessment, D. Automobile collision damage analysis and repair; E. Survey, assessment, and determination of damage; F. Electronic technology for investigation and assessment; G. On-site investigation of traffic accidents; H. Legal knowledge of auto insurance; I. Auto insurance claim process; J. Auto insurance claims and claims skills; K. Auto insurance dispute case handling; L. Classic transportation Case analysis of accident and insurance claims.

The career area of auto insurance adjusters is one of the areas less affected by the financial crisis. Since China's automobile production and sales ranked first in the world in 2009, automobile sales have maintained an annual production and sales volume of more than 18 million units for two consecutive years, the number of vehicles has increased dramatically, and traffic collision accidents have increased rapidly. After a vehicle is out of danger, there are generally corresponding insurance companies to pay for the cost of vehicle collision repair. However, the amount of compensation needs to be assessed by the insurance company and the repair shop (or 4S shop) on the risk of the vehicle. Based on this, the repair cost is priced, that is, the damage is estimated. The damage assessment is not unilateral. Insurance companies and repair shops (4S shops) must evaluate it. The two parties can only implement repairs and compensations after reaching an agreement. However, it is often difficult to get the compensation amount recognized by all parties, especially the owners complaints are becoming increasingly serious. Therefore, the auto insurance claims adjuster can not only engage in automobile fixed loss claims in insurance companies, but also serve as the core personnel in the automobile repair factory and 4S shops for the reception and repair of accident cars, and can also provide insurance to customers as professional insurance claimants. Claims consulting, and even insurance claims for car owners. Accepting accident car repairs is one of the most important profit channels in the after-sales service of most auto repair factories or 4S shops. It is also one of the important indicators for OEMs to evaluate dealers. However, customer complaints caused by them are increasing. Therefore, there is a great demand for professionals in auto repair factories, 4S shops in the field of fixed loss, relevant after-sales service management personnel of OEMs, and personnel qualifications. The number of professionals in large insurance companies engaged in the determination of vehicle accidents can reach thousands. There are still many large insurance companies whose car insurance business is still developing rapidly, and there is still room for continued talent demand. In addition, if the insurer or the insurer cannot agree on the payment, they can also entrust a third-party professional evaluation agency (insurance assessor) or an expert to evaluate it. Auto insurance adjusters may also become core assessment experts of third-party professional assessment agencies (insurance assessors). Public or private motor vehicle loss determination centers and traffic accident assessment centers are also institutions that urgently need to recruit auto insurance adjusters. For example, in Shanghai, there are more than 200 automobile 4S shops, more than 6,000 large and small auto repair shops, hundreds of third-party professional assessment agencies, dozens of motor vehicle damage assessment and traffic accident assessment centers, and hundreds of insurance companies. Home, the auto insurance adjuster has a wide range of employment options. In addition, professional education and training in the field of automobile insurance and motor vehicle damage determination have just begun. At present, the supply of professional talents is very limited, but the demand for talents is frequent, and the competition for employment is not high. Therefore, auto insurance adjusters will be a hot job in recent years. Of course, the treatment for this profession is also good, which is well known.

Vehicle insurance company fixed loss staff, public valuation company professional public valuation staff, second-hand car appraisal staff, asset appraisal agency appraisal staff, maintenance company reception and claims staff, others engaged in motor vehicle sales, leasing, auction, pawn, replacement, recycling Employees of enterprises or institutions engaged in professional auto insurance claims consulting work. After passing the exam, submit relevant post qualifications and apply for a unified national registration certificate after passing the examination.

Those who meet one of the following requirements (1) have obtained a car diploma or equivalent in a secondary vocational school and have been engaged in automobile collision repair or damage assessment for more than two years. (2) Those who have obtained a bachelor degree or above in automotive related majors. National unified examination time: April 16, 2012, June 30, August 11, October 27, November 27, December 15

Project technical support 1 Claims procedure Reporting promptly Damage repair 2 Insurance claims 3 Special cases 4 Minor accidents 5 Claim process Unilateral accidents Both parties accidents Multi-party accidents 6 Parked and crashed 7 Vehicles stolen 8 Accident treatment 9 Insurance process 10 The basic principle

Different insurance companies will have different claims procedures, but most of the basic steps of claim settlement are still the same. The basic process includes the steps of reporting a case, investigating and determining damages, signing and reviewing claim documents, reconciliation review, approval, and settlement of claims. .

After the accident is handled, the insured or his agent will submit the claim documents within 10 days: traffic accident liability confirmation, mediation, judgment and repair invoice, medical expense invoice, medical record, proof of lost time, and identity of the dependant. And the original insurance policy (photocopy), ID card copy, driving license copy, driver's license copy and other information submitted to the insurance company, the insurance company will calculate the compensation; at that time, the insurance company will notify to receive the insurance compensation; when receiving the compensation, The beneficiary should bring the original insurance policy, the insured's identity card or the original hukou. If he entrusts others to collect it on his behalf, the beneficiary should also bring his identity card and the Authorization for Authorization for Reparation issued by the insured. The maximum period of compensation is two years from the date of the accident report.

When a vehicle is stolen or stolen, you should report it to the public security organs, and you should notify the police station or criminal police in the danger area within 24 hours; then report to the insurance company, and the personal information should be taken to the insurance within 48 hours after the vehicle is stolen or stolen. The company fills out the Motor Vehicle Insurance Disbursement Notice Form and completes the registration procedures. If the vehicle is not found within three months, you can bring the following documents: the theft certificate issued by the public security organ, the original insurance policy, the driving license of the insured vehicle, the driver's license, the original ID card of the insured, The original ID card of the reporter and the key of the vehicle were claimed by the insurance company.

When an insured accident with a relatively small amount of loss occurs, the owner can drive the car to the designated repair place of the insurance company, where he has the right to fix the damage and ask the repair shop to help with the claim. In this case, the following steps are generally used to determine the damages for the vehicle: 1. Check and verify the certificate, and present the three certificates and insurance policies: the vehicle's driving license, the driver's driving license, the insured's ID card, and the insurance policy; 2. Car inspection, initial determination of the location of vehicle loss, inspection of broken cars, filling in the case approval form, copying all documents, etc .; 3. Photodetermination, photodetermination, and arrangement of handling opinions; 4. At the time of reporting, report the case according to the contents of the case approval form. After the repair is completed, you can bring the documents and the repair invoice to the repair office to pick up the car, and let the repair office make a claim.

1. Report the case (1) After the accident, the customer reports to the insurance company's claims department; (2) After receiving the report, the customer is required to immediately fill out the "Business Risk Registration Form" (reports by telephone, fax, etc.). (3) The back office immediately checks and copies the policy copy and copies the policy, policy copy and schedule according to the insurance certificate or insurance number provided by the customer. Check the premium charges and confirm the signature on the copy of the premium receipt (business and statistics) by the financial staff (special payment must be accompanied by an agreement or agreement); (4) confirm that the subject matter of the insurance is special within the validity period of the insurance or before the insurance is released To pay the fee, the customer is required to fill in the "Inquiry Form for Registering Cases for Risks" and file the case (eg, telephone, fax, etc., and the inspector is responsible for requesting the customer to complete the case), and prepare the case registration number according to the order of reporting; (5) Issue a claim document. Issue the relevant claim documents to the insured after filing the case, and inform the claim procedures and methods (telephone, fax, etc. of the report, the inspector is responsible); (6) notify the inspector to report the loss and the location of the risk. The above work is completed within half a working day. It is important to report the accident in time. If a road insurance accident occurs, an insured vehicle should immediately report the accident to the traffic management department at the place where the accident occurred, and call the insurance company to report the accident. If an insured vehicle has an off-road (such as a community) insured accident, it shall report the case to the public security management department and report it to the insurance company in a timely manner (within 48 hours). In the event of an insured vehicle involving an injury to an insured vehicle, the injured person shall be rescued in a timely manner and a serious injury shall be reported to the medical department, and the insurance company shall be reported in time and the medical nuclear damage department shall be consulted. If an insured vehicle is stolen, report it to the local public security department (except for force majeure factors), and report it to the insurance company at the same time, and then cooperate with the insurance company's claims officer to make a record and site survey; go to the newspaper office to make a declaration statement; go to the maintenance road The fee audit department handles the procedures for stopping the driving; the public security agency investigates; the stolen vehicle is recovered within three months, and the insurance company pays for the repair costs caused by the theft. ; Submit claim formalities to the insurance company for settlement. TIPS1: All reports must be made within 48 hours of the accident, otherwise the insurance company may refuse to claim. TIPS2: When reporting a case, you can consult the insurance company's service personnel for subsequent claims settlement steps. It is important to record the case number and the employee number of the relevant person. 2. Investigation and determination of damage (1) The inspector shall complete the on-site investigation and inspection within 1 working day after receiving the notice from the insurance company. (The inspection of the damaged object in the field may be entrusted to the local insurance company to complete within 3 working days.) (2) require the client to provide relevant documents; (3) guide the client to fill out the relevant claim documents. Note: In order to be able to get to the accident site as soon as possible, the insurance company has an online loss determination point across the country, and will rush to the scene to investigate and determine the loss as soon as possible. 1. Those who need to inspect and determine the damage on site: the insurance company will send professionals to rush to the site for investigation and treatment. The insured shall inspect with the insurer to determine the repair items, methods and costs. 2. On-site investigation and determination of damage are not required: the insurance accident vehicle is towed to a repair shop near the accident site. If the repair shop is a remote damage determination point for an insurance company, it can directly damage the accident vehicle. No, you can contact the insurance company to send professionals to determine the damage.

3. If the insurance company does not send a fixed-loss person to the fixed-loss point for investigation and fixed-loss within a limited period of time, the insured may discuss with the insurance company and apply for a physical damage assessment agency at the site to determine the loss. The assessment agency's loss determination shall be recognized, but the insurance company has the right to inspect and investigate the authenticity of the traffic accident.

4. If the parties do not approve the property loss verification of the insurance company, they may apply to the appraisal agency for property loss verification before the vehicle is repaired; if the parties still do not approve the appraisal agency s appraisal of the damage, they may request the appraisal agency's superior agency Re-assessment; if the insurance company's loss assessment or re-assessment is not approved, it may apply for arbitration or file a lawsuit in a people's court. TIPS1: Vehicles that are not fixed by the insurance company's fixed-loss personnel cannot be repaired by themselves, otherwise, the insurance company has the right to refuse compensation. The insured can choose to tow the accident car to the repair shop designated by the insurance company (recommended), and the repair shop will repair your vehicle as soon as possible. At the same time, the repair shop can also help you deal with claims. You can also choose to drag the accident car to a repair shop you are familiar with for repair. TIPS1: The accident car must be repaired according to the fixed damage item and the fixed damage amount. If there are changes in the items and costs, it should be negotiated with the insurance company in advance. TIPS2: A few unscrupulous repair shops for their own benefit sent customers to repair vehicles to forge a second accident to obtain claims. Please be alert and advise customers to go to repair units with better qualifications or recommended by insurance companies to repair accident cars. 3. Signing and reviewing the claim documents (1) The sales department and the insurance branch company's back-office staff will review the claims documents submitted by the customer. For incomplete procedures, explain to the customer the documents that need to be submitted and return them to the customer. The claim with complete certificate shall be signed on the "Report of Risk (Claim)" (in duplicate), and the yellow link shall be returned to the insured; (2) The claim documents and the stored information shall be collated and submitted to property insurance Ministry of Compensation Section. Note-Case review: After the various documents provided by the insured are complete, the insurance company should quickly review and verify the relevant documents, investigate and verify the relevant certificates and materials and approve them with authority. 1. Do not exceed the authority business. If the documents are complete and the examination and verification is correct, compensation will be given within a limited time; if the data provided by the insured is found to be inconsistent or exceeds the insurance company's claim range during the examination and verification, the insured will jointly investigate and verify the compensation. 2. Super-permission business. If the amount of major compensation for a traffic accident exceeds a certain limit, the local insurance company shall report to a higher-level insurance company, and the higher-level insurance company shall handle it according to the specific circumstances. 4. Review of adjustment (1) The person in charge of the Compensation Section will review the information received from the back office, and complete the formalities for signing the receipt on the transfer book; (2) All claims must be calculated within 3 working days After completion, the person in charge of the Compensation Section will review it.

5. Examination and approval (1) The claims within the authority of the Property and Casualty Department shall be submitted to the manager who manages the compensation for approval; (2) The level of authority over the Property and Casualty Department shall be reported step by step.

6. Settlement of the payment (1) The person in charge of the Compensation Section will submit the compensation number that has completed the approval procedures, and submit the payment receipt and calculation book to the financial transfer; (2) After the financial confirmation of the payment, the payment receipt and calculation book will be red Outside the United Nations, the rest were retrieved. Note-Claims Collection: After the case is processed, the insurance company will usually call the private car customer as soon as possible to collect claims (Corporate customers usually use bank transfer), as long as they bring relevant proofs (such as ID card, insurance policy, claim receipt) Pick it up from the finance department of the insurance company to which the policy belongs. The basic process of the owner when claiming: (1) Present the insurance certificate. (2) Show your driving permit. (3) Present your driving license. (4) Present the ID of the insured. (5) Present the insurance policy. (6) Fill out the risk report form. (7) Fill out the details of the risk. (8) Fill in the reporter, driver and contact number in detail. (9) Check the appearance of the vehicle and take photos to determine the damage. (10) The claim adjuster leads the owner to carry out vehicle appearance inspection. (11) Take photos and verify the damage according to the report content filled in by the owner. (12) The claim adjuster reminds the owner of the valuables on the vehicle. (13) Delivery to the repair station for repair. (14) A claim order is issued by the claim adjuster to determine the maintenance items and maintenance time. (15) Signed and approved by the owner. (16) Owner delivers the vehicle to the maintenance station for repair. The above is what car owners and insurance company adjusters must do. The facts are more than eloquent. The owner must do a good job in the early stages, to avoid trouble and passiveness when claiming afterwards.

Parking collision-accident handling and claim procedure Parking collision: Refers to an accident in which a vehicle is damaged by an unknown object when it is left unattended during parking.

Example: The vehicle was damaged by a third-party vehicle collision in the parking lot, but the third-party vehicle could not be found. Note: In this case, the insurance company only bears 70% of the liability for compensation! Accident Handling and Insurance Claim Procedures 1. After reporting an accident, keep the scene of the accident and report it to the insurance company immediately. 2. On-site handling: Insurance company personnel arrived at the site for investigation and issued an "survey report". At the same time, according to the requirements of the surveyor, the police station or the traffic police department issued an "accident certificate". Third, the vehicle fixed damage repair 1, send the vehicle to the fixed loss center and notify the insurance company at the same time, determine the damage; 2, repair the car repair; 3, the owner of the car. 4. Submit documents for claim settlement: collect claim information and submit to the insurance company for claim formalities 5. Loss adjustment After the insurance company receives the complete claim documents, it will perform the calculation to determine the final payment amount 6.

Theft of the entire vehicle-accident handling and claims procedures Theft of the entire vehicle: The entire vehicle is stolen and robbed.

This type of accident involves a long period of processing because it involves the filing of a traffic police brigade and the necessary detection time.

First, report the case 1, bring the original ID card, driver's license, and driving license to the police station where the crime was reported within 24 hours, and obtain the report receipt stamped with the official seal of the police station and the stolen (robbed) vehicle report form. Report to the insurance company by phone within 48 hours

2. Post the Car Search Notice within one week, and bring along the report receipt and the stolen (robbed) vehicle report form to the city-level newspaper to publish the Car Search Notice and keep a full-length newspaper.

3. Issue a "Stolen (Stolen) Vehicle Detect Results Certificate". If the vehicle is not found after three months (some companies require 2 months), bring the report receipt and the stolen (stolen) motor vehicle report form to the police station and The District Police Bureau's Criminal Police Brigade handles the undetected certification procedures, and the above two departments stamp on the "Stolen (Stolen) Vehicle Detect Results Certificate" to confirm that they have not been cracked. 4. Vehicle sales account 1. Make two copies of the insurance company. "Stolen (robbed) vehicle registration form" and stamped; 2, handle vehicle sales procedures with the stolen (robbed) vehicle detection results certificate, report receipt, stolen (robbed) motor vehicle report form, stolen (robbed) ) Motor vehicle registration form (a copy kept by the traffic management office), driving permit, fill in the "Motor Vehicle Stop Registration Application Form", publish the "Declaration of Account Closure" in the Public Security Newspaper, and obtain the "Declaration of Account Closure" V. Submit Documents Collect claims and submit the claim materials to the insurance company for the claim procedures. 6. Loss adjustment. The insurance company will perform the calculation after receiving the complete claim documents to determine the final payment amount. 7. Payment.

According to the "Traffic Accident Handling Measures" and "Traffic Accident Handling Procedures", the following accident handling procedures are specified: On-site investigation: 1. After a traffic accident, if the parties have no dispute over the facts and causes, they can immediately evacuate the site and negotiate and handle it by themselves Damages matters. Those who evacuate the scene immediately must protect the scene and promptly report to the public security organs. 2. After receiving the instructions, the police on duty must rush to the scene quickly and strictly dispose of the scene within the time of the commitment system. 3. Conduct on-site surveys including on-site visits, photography, drawing, surveying, surveying and other work. The on-site survey must be legal, timely, comprehensive and accurate. 4. After the on-site investigation records have been checked for accuracy, the parties or witnesses shall be required to sign on-site drawings. 5. For inspection needs, relevant documents of the vehicle and the parties involved may be detained when necessary. 6. Make an appointment with the parties for accident handling time. 7. The investigation afterwards must be carried out according to law, including inquiry (interrogation), trace extraction inspection, technical inspection, damage assessment and other necessary identification.

Liability determination: 1. During the investigation phase, the parties may be convened to hold a hearing when necessary. 2. After ascertaining the basic facts of the accident and collecting sufficient evidence, make a determination of responsibility in accordance with the law in strict accordance with the prescribed time. 3. When announcing the responsibilities, all parties must be convened to explain the basic facts of the accident and the reasons and basis for determining the responsibilities. 4. Inform the parties of their right to apply for re-identification and legal statute of limitations. Punishment: 1. After the legal effect of the liability determination, the party responsible shall make a penalty opinion and submit it to the leadership for approval. 2. Fill in the punishment ruling according to the punishment decision made by the leader. 3. Announcing the punishment decision to the person responsible. 4. Inform the parties of their right to apply for administrative review and legal statute of limitations. 5. Improve related procedures for punishment. 6. Enforce punishment. Compensation mediation: 1. Collect certificates, bills and various materials related to damages. 2. After confirming the end of the wounded's treatment or determining the result of the damage, the parties or agents must be organized for compensation mediation within the prescribed time. The maximum number of mediations is two. 3. After successful mediation, make a "Mediation Book" and send it to the parties separately. 4. If the mediation is unsuccessful, it is necessary to fill in the "Conciliation Ending Letter" and send it to the parties, and inform the parties that they can bring a civil lawsuit to the people's court within the legal time limit.

Auto insurance claims involve a wide range and the situation is more complicated. In the process of compensation treatment, especially in the investigation of automobile accidents, it is necessary to put forward due requirements and adhere to certain principles.

(1) Establish the guiding ideology for serving insured households and adhere to the principle of seeking truth from facts. In the entire process of claim settlement, it reflects the role of insurance's economic compensation function. When a car insurance accident occurs, the insurer must be anxious for the insured, do everything possible to avoid expanding losses, minimize the impact caused by the disaster accident, arrange the repair of the accident vehicle in time, and ensure that the original technical performance of the vehicle is basically restored, so that Put into production and operation as soon as possible. Handle compensation cases in a timely manner and pay compensation to ensure the continuous production and operation of transportation and production units (including individual transportation households) and the stability of people's lives. In terms of on-site surveys, repairs and damages to accident vehicles, and settlement of claims, we must adhere to the principle of seeking truth from facts, and on the basis of respect for objective facts, conduct specific analysis of specific issues, that is, strictly follow the terms and conduct appropriate and flexible treatment in accordance with the actual situation. Make all parties satisfied. ?

(2) To abide by contracts, keep promises, and act according to law? Whether an insurer fulfills a contract depends on whether it strictly fulfills its economic compensation obligations. Therefore, when dealing with claims, the insurer must strengthen the concept of the legal system and act strictly in accordance with the terms. The compensation must be paid, and it must be paid in full according to the compensation standards and regulations. It is also necessary to explain the reason to the insured, and the fact that the refusal to pay is based on facts and evidence. We must act in accordance with the law, adhere to the contract, and be honest and trustworthy. Only in this way can we establish the credibility of insurance and expand the positive impact of insurance. ?

(3) Resolutely implement the "eight-character" claims principle. "Proactive, swift, accurate, and reasonable" is the experience summarized by insurance claimants in long-term work practice. It is the most basic requirement for high-quality insurance claim service: (1) Initiative: It is required that insurance claimants should actively, proactively investigate, understand and survey the scene of the out-of-risk cases, grasp the out-of-risk situation, and perform accident analysis to determine insurance liabilities. (2) Prompt: It is required that the insurance claimants can investigate, determine and deal with the losses quickly, without delay, and quickly handle the compensation claims. The compensation claims must be checked, the compensation calculation files must be prepared quickly, and the review and approval must be fast, so that the insured can be timely. Get paid. (3) Accuracy: It is required that from investigation, determination of damages, and calculation of compensation, it must be accurate, good compensation, no excessive compensation, no compensation. (4) Reasonable: It is required that in the process of claim settlement, we must adhere to the terms and conditions in the spirit of seeking truth from facts. In many cases, the certainty of Shanghai Auto Insurance Claims Co., Ltd. must be combined with the specific circumstances of the case, especially in the process of determining the damage of the accident vehicle, and the accident vehicle maintenance plan must be reasonably determined.