汽车保险毕业论文设计

摘要

在全球保险业务中，机动车辆保险具有举足轻重的地位。机动车辆保险的查勘定损是汽车保险理赔的重要环节，如何提高工作效率，降低服务成本，已成为摆在我国汽车保险从业人员面前等待解决的问题。本文主要是以中国太平洋财产股份在机动车辆保险查勘定损的工作做法进行研究和分析。从现场查勘和定损流程入手，按照流程分别分析现场查勘和定损的主要工作容。通过研究达到提高现场查勘工作实效性，定损工作准确性的目的。

现场查勘方面，首先对一般性事故现场查勘方法，包括照片的拍摄，测量工具的使用和现场单据的填写，分别对其使用的目的、使用中常见问题及处理方法进行分析。再通过对常见违约及欺诈案件现场常见现场的总结，分析常见违约虚假案件的查勘方法并通过具体案例进行说明。定损方面依照定损的基本流程，逐一分析其中涉及的工作容。本章主要是对机动车辆损失项目中常见零件定损标准进行分析，通过调查机动车辆常见事故类型及发生原因，根据这些事故中的碰撞部位，找出其中常见易损的外观件和零件总成，分析它们的损失形式和定损标准，并用图片列举直观说明。

现场查勘工作做到了客观真实、准确完整，就为后续的定损工作提供了重要的现场依据，而把握好常见零件的定损标准，是做好理赔工作的关键。

关键词：机动车辆保险；流程；查勘；定损；研究

Abstract

In the global insurance business, the motor vehicle insurance has the pivotal status. The motor vehicle safe survey damages is the automobile insurance adjustment important link surely, how to raise the working efficiency, reduces the service cost, has become suspends waits for the solution in front of our country automobile insurance jobholders the question. This article is mainly the work procedure which damages surely in the motor vehicle insurance survey conducts the research and the analysis by the Chinese Pacific Ocean property limited liability company Shenzhen subsidiary company. And damages the flow from the scene survey to obtain surely, and defers to the flow to analyze the prime task content which separately the scene survey and damages surely. Achieves through the research enhances the scene survey work effectiveness, decides damages the work accurate goal.

The scene survey aspect, first to the general accident scene survey method, including the picture photography, measuring tool's use and the scene documentary evidence's filling, separately to its use's goal, the use the frequently asked questions and the processing method carries on the analysis. Again through to the common violation and the cheat case scene common scene's summary, the analysis common violation false case's survey method and carries on the explanation through the concrete case. Decides damages the aspect according to the basic flow which damages surely, analyzes one by one involves work content. This chapter is mainly loses in the project to the motor vehicle the common components to damage the standard to carry on the analysis surely, and has the reason through the investigation motor vehicle common accident pattern, according to these accident's in collision spot, discovers the common vulnerable outward appearance and the components unit, analyze their loss form and damage the standard surely, and enumerates the direct-viewing explanation with the picture.

The scene survey work has achieved objectively real, accurate complete, for following surely damaged the work to provide the important scene basis, but grasped the common components to damage the standard surely, was completes the adjustment work the key.

Keywords：Car Insurance；Flow；Survey；Set Loss；Research

目录

摘要 ............................................................... I Abstract .............................................................. II 第1章绪论 .. (1)

1.1 本文研究的背景及意义 (1)

1.1.1 机动车辆保险行业的兴起 (1)

1.1.2 本文研究的意义 (1)

1.2 国外查勘定损现状 (2)

1.2.1 目前国外在查勘定损的现状 (2)

1.2.2 目前我国在查勘定损方面的现状 (2)

1.3 本文研究容 (2)

第2章机动车辆保险现场查勘和定损的基本工作流程 (4)

2.1 机动车辆保险事故现场查勘的基本工作流程 (4)

2.2 机动车辆保险事故定损的基本工作流程 (5)

2.3 本章小结 (7)

第3章机动车辆保险现场查勘研究 (8)

3.1 一般性事故现场查勘方法分析 (8)

3.1.1 拍摄事故现场照片 (8)

3.2 测量事故车辆损坏痕迹 (14)

3.2.1填写《现场查勘记录》 (15)

3.2.2 常见违约及欺诈案件的种类 (19)

3.3 常见违约案件现场现象及现场查勘方法分析 (20)

3.3.1 常见违约案件现场现象 (20)

3.3.2 常见违约案件现场查勘方法分析 (21)

3.4 欺诈案件现场常见现象及具体案例分析 (21)

3.5 本章小结 (25)

第4章机动车辆保险定损研究 (26)

4.1 详细了解事故现场经过 (26)