Is it over to receive the loss assessment message?

Receiving a text message is the end of losing. The insurance company pays according to the invoice If it exceeds the fixed loss, it will not be compensated, and if it is insufficient, it will be compensated according to the invoice.

When the insured vehicle has a traffic accident, the first thing the insurance company does is to conduct on-the-spot investigation and determine the damage. Vehicle damage assessment involves many technologies and interests such as maintenance, manufacturing and owner, and is a prominent part of the whole auto insurance service.

The loss assessor takes photos of the accident by appearing at the scene, finds out the damaged parts of the vehicle, determines the replacement or repair respectively, and finally determines the loss.

Matters needing attention in vehicle damage assessment:

1. Generally speaking, the insurance company's handling opinions on lost parts of vehicles are mainly based on repair, that is, if the lost parts can be repaired without affecting the normal use function, they should be repaired. If the missing parts cannot be repaired, they can be replaced. Therefore, before or during maintenance, it is suggested that the insured should negotiate with the loss adjuster to determine the maintenance method in time to ensure that the corresponding compensation can be obtained.

2. The amount of loss can be negotiated.

In the auto insurance fixed loss disputes, apart from the dispute of maintenance mode, the dispute of maintenance price accounts for the majority. It often happens that the repair cost given by the repair shop is higher than the loss amount approved by the loss adjuster of the insurance company.

3, damage and maintenance to the same place.

In addition to the above two reminders, if the loss amount has been confirmed with the inspector in the early stage according to the maintenance method of 4s shop, don't go to the ordinary repair shop for maintenance. Because the amount of maintenance required by the 4S shop is higher than that of the ordinary repair shop, if the customer pays the maintenance fee to the ordinary repair shop according to the fixed loss of the 4S shop, it is equivalent to the customer paying the maintenance fee more. When making a claim, the insurance company reconfirms the loss amount according to the standard of the repair shop actually selected by the customer, and the owner himself may have unnecessary expenses.

At present, the time limit for domestic insurance companies to report auto insurance is generally 24 hours, that is, within 24 hours of the accident, the informant brings the original insurance policy, premium payment receipt, vehicle driving license, driver's license and other related certification materials to the designated place of the insurance company to report the case.