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Compensation system for damage to articles
1. What is the procedure of vehicle loss appraisal?
1. Vehicles and articles in traffic accidents shall be kept by public security organs. After inspection and appraisal, the price appraisal institute is entrusted to appraise the lost price. When appraising the price loss of vehicles and articles, all the parties concerned shall be present, and the parties concerned shall also notify the insurance company to send personnel to be present (failure to be present without reason shall be punished as failure to be present).
2, road traffic accidents, car loss price appraisal, in principle, make an appraisal conclusion within 7 days after the accident. Under special circumstances, it may be extended for 7 days upon approval.
3. If a party refuses to accept or has any objection to the confirmed appraisal conclusion, it may, within 5 days from the date of receiving the Price Appraisal of Vehicle and Property Losses in Road Traffic Accidents, apply to the Accident Section of the Traffic Police Detachment for re-appraisal; And make a re-appraisal conclusion within 10 days.
4. The price appraisal conclusion of vehicle and property losses in road traffic accidents shall take effect after being confirmed by the public security traffic management department.
Second, how to determine the loss of material damage:
1. In case of simple property loss, the amount of loss shall be determined jointly with the insured according to the property value and the degree of loss, and the manufacturer shall be invited to identify it if necessary;
2. For the damaged property with strong technology, high amount of fixed loss and difficult project, it is difficult to hold the standard, and the technical supervision department or professional maintenance department can be hired for identification, and blind pricing is strictly prohibited.
3. According to the provisions of auto insurance, the residual value of loss is converted to the insured through negotiation and handled by the insured.
Legal basis: Article 184 of the Civil Law of People's Republic of China (PRC) infringes upon the property of others, and the property loss shall be calculated according to the market price at the time of loss or other reasonable means.
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