The Chrysler accident vehicle was renewed to more than 20 thousand yuan.
source: the Ji'nan times
the same accident car, the Peoples Insurance Company of China Ji'nan branch (hereinafter referred to as "human insurance") at the beginning of a fixed loss of 7000 yuan, and the 4S store and the price department given a loss The amount is more than 30 thousand yuan. Yesterday, the human insurance related personnel told reporters that the fixed loss amount given at that time was only initially set, with the dismantling of the damaged parts of the car, the loss may also change. "At present, the result of the fixed damage has come out, the quota is more than 20 thousand yuan, and the 4S store has also accepted the plan to repair the car."
the latest progress: Chrysler accident car re - damaged
Mr. Zhang to report to this newspaper, Chrysler car is rear end of a tanker, rear bumper, rear light and other heavy damage, the traffic police responsible for the car driver. Because the tanker bought insurance from PICC, the car mainly asked for personal insurance. However, there is a considerable gap between the amount of the loss awarded by the PICC and the amount of damage given by the relevant personnel of the price bureau of Licheng District and the third party.
yesterday, related personnel of the PICC told reporters that it was only initially decided. In addition, the fixed amount of 7000 yuan given at the initial time is derived from the maintenance standard of the general repair shop. Now, the result of the renewed damage has come out, the quota is more than 20 thousand yuan, and the 4S store has accepted it. It is preparing to repair the car.
readers question: is it intentional to lower the fixed loss?
yesterday, many readers called the news 110 hotline, asking the question of the standard.
in this regard, the reporter interviewed the person in charge of the Ji'nan branch of the financial insurance company. The reply was that the China Human insurance company is the world's top five hundred enterprise. As its main business, the company has a complete set of damages and claims system, and the replacement, repair and various expenses of all parts are strict. The standard of grid, for example, the price of a certain type of vehicle, some parts and components, and maintenance time, etc., are clearly stipulated in the system. The maintenance cost of the vehicle to the 4S shop may be higher. It may be cheaper to repair it in an ordinary garage. The fixed price of the insurance company is determined according to the actual loss of the customer and the maintenance qualification of the repair unit. The customer must provide 4S invoice for the 4S shop maintenance, and the insurance company can choose the other maintenance units according to the price of the 4S store. The maintenance cost of two types and three types of maintenance units in the same loss standard is different. Therefore, the customer will choose to make a loss in the fixed loss. The customer will choose where to repair the car, and ultimately the repair integrity of the vehicle and the satisfaction of the customer as the standard, the insurance company will make sure with the insured and the maintenance unit. The amount of compensation is fixed.
according to the introduction, the current claims procedure is the customer first repair the car, and then take the related invoice to the insurance company to apply for compensation, the insurance company directly to the related costs to the customer account. The insurance company will also recommend the 4S store to customers, but customers can also choose their own maintenance plant, and the final option is in the hands of customers.
for human insurance and 4S store on the fixed loss, one person in charge said that the price of the same damaged parts, repair and exchange is naturally different. In fact, some parts can be restored through maintenance. If the maintenance unit does not repair it, the price will be disparities.
related people: when encountering "low price loss", how to do
an interview, a professional lawyer said that in reality, the problem of the insurance company's fixed loss is lower than the actual vehicle repair cost. At present, China's auto repair and auto parts market is not standard, the same kind of accessories, because of the different types and models, is different in the market price, plus the counterfeit and shoddy products and the interference of many human factors. Insurance companies usually make a definite loss based on lower spare parts prices and working hours, and the quota for 4S shops is relatively high. According to the road traffic safety law and insurance law, he analyzed the traffic accident treatment department no longer designated assessment agencies, and car owners and insurance companies could hire independent assessment agencies. The loss in traffic accidents should be based on actual losses.
the lawyer suggested: "after a traffic accident, if the parties have questioned the loss of the vehicle and the parties are difficult to reach agreement, the actual loss price determined by the third party with the assessment qualification shall be subject to the value of the loss price determined by the people's court."