机动车保险现场查勘技术探究.docVIP

湖 北 汽 车 工 业 学 院 毕 业 论 文 PAGE I PAGE 6 摘 要 机动车辆保险在各财产保险公司的业务份额中所占的比重越来越大，机动车辆保险业务已经成为国内各财产保险公司的骨干险种，机动车辆保险经营和管理的好坏直接影响保险公司的效益，甚至关乎保险公司的生死存亡。随着我国法制环境的改善，各类立法特别是针对道路交通安全立法的不断深入，各级组织对道路交通安全事故的处理更趋向法制化，道路交通安全案件在保险保险公司的后期理赔中更注重现场查勘的证据，做好机动车辆保险事故现场工作，准确查明事故原因，对保险公司的后期理赔工作具有十分重要的意义。 关键词：现场查勘，理赔，机动车，保险。  Abstract Motor vehicle insurance property insurance companies in the proportion of share of the business growing, motor vehicle insurance business has become the backbone of the insurance property insurance companies, motor vehicle insurance business and management, directly affects the insurance the companys efficiency, or even the survival of insurance companies. With the improvement of legal environment, all kinds of legislation, in particular road traffic safety legislation for the deepening of organizations at all levels of road traffic accidents also tend to deal with the legal system, cases of road traffic safety late in the insurance claims insurance companies are more pay attention to on-site survey of the evidence, do the work of motor vehicle insurance at the scene, accurately identify the cause of the accident, the insurance company claims the late work of great significance. Keywords: Site survey，Claims，Motor vehicle，Insurance。  目录 TOC \o 1-3 \h \u HYPERLINK \l _Toc26137 摘 要 PAGEREF _Toc26137 I HYPERLINK \l _Toc29108 Abstract PAGEREF _Toc29108 II HYPERLINK \l _Toc1185 1 机动车保险现场查勘技术研究概述 PAGEREF _Toc1185 1 HYPERLINK \l _Toc14866 1.1 汽车保险概述 PAGEREF _Toc14866 1 HYPERLINK \l _Toc24771 1.2 汽车保险理赔概述 PAGEREF _Toc24771 1 HYPERLINK \l _Toc8847 2 机动车现场查勘 PAGEREF _Toc8847 2 HYPERLINK \l _Toc23234 2.1 现场查勘的意义 PAGEREF _Toc23234 2 HYPERLINK \l _Toc7125 2.2 现场查勘的目的 PAGEREF _Toc7125 2 HYPERLINK \l _Toc13378 2.3 现场查勘的要求 PAGEREF _Toc13378 3 HYPERLINK \l _Toc19966 3 现场查勘的主要内容 PAGEREF _Toc19966 4 HYPERLINK \l _Toc13811 4 车辆信息与基础知识 PAGEREF _Toc13811 6 HYPERLINK \l _Toc1029 4.1 车辆信息 PAGEREF _Toc1029 6 HYPERLINK \l _Toc22445 4.2 验证车辆身份及承保情况 PA