浅析目前机动车辆定损模式.docVIP

浙江科技学院毕业设计（论文） PAGE PAGE 13 浅析目前机动车辆几种定损模式 学生姓名：蒋晓杰 指导教师:高玉根教授 浙江科技学院机械学院 摘要 机动车辆定损是机动车辆保险理赔工作中的一个重点，对于目前我国存在的几种定损模式：保险公司定损，物价和交警部门定损，公估公司定损，三者都有自己存在的合理性，但是随着消费者的服务要求和维权意识的提高，事故车辆的定损纠纷事件逐渐增加，如何使事故车辆定损的合理性最大化，减少理赔时间的纠纷已是急需解决的问题。近年来我国主要定损模式任然是保险公司自行定损，虽然保险公司理赔定损人员近年来不断增加，其专业性也不断加强，但仍有许多令人诟病的地方，定损金额偏低，定损透明度不够为其主要问题。物价和交警部门定损其权威性和公正性一直无庸置疑，但是一系列高额的费用和强行指定修理厂修车却一直困扰着保险公司和事故车主。公估公司定损模式在我国为一种规模较小的定损模式，处在起步阶段，公估公司的管理制度，定损专业性只有在一小部分地区得到认可，但是此种定损模式的合理性随着公估公司在未来的发展也会大大提高，逐渐增加起在机动车辆定损中的影响力。伴随着几种定损模式的发展，我国的机动车辆定损会逐渐趋于成熟，合理。使消费者和保险公司的利益达到一个最佳的平衡点。 关键词：机动车辆保险 机动车辆定损 理赔 专业性 定损模式 Analysis of the motor vehicles of several fixed-loss mode Studuent:xiaojie jiang Advisor:Dr. Gao-Yu Gen School of Mechanical and Automotive Engineeing Zhejiang University of Science and Technology Abstract With the sustained and rapid economic and social development and the continuous improvement of peoples living standard, stresses the efficiency of fast-paced society a new pattern has been presented in front of people and social vehicle ownership is also a rapid increase in reality have proven that China has entered the automobile era. Handling traffic accident damaged car thing work good or bad, not only related to various insurance companies of their own economic and survival and development, but also affect the insurance functions of the role play and social, but also related to social stability and people live and work. How to learn from the advanced experience of the mature insurance market car insurance services, combined with our current actual situation, reasonably determine the traffic accident damaged bodies and the main body, to improve the fairness and efficiency of traffic accident damaged car be restored to the value of identification to protect the accident both sides and the legitimate interests of the insurance company. Motor vehicle to assess the damage to a focus on motor vehicle insurance claims in China several to assess the damage m