How to survey the burning site?

Procedures and contents of site survey

I. On-site survey procedures

The procedures of on-site investigation mainly include: rushing to the scene of the accident as soon as possible, on-site investigation, investigation of witnesses and on-site examination.

I rushed to the scene of the accident as soon as possible.

After receiving the accident notice, the survey and damage assessment personnel should immediately rush to the scene of the accident to conduct on-site survey in order to master the first-hand information.

2. Field investigation

After the survey and damage assessment personnel arrive at the scene of the accident, they shall immediately start on-site survey. There are many contents of field survey, which are more technical than timeliness, mainly including data collection, photography, measurement, sketch, vehicle inspection, road identification, asking parties and visiting witnesses, and on-site inspection.

The main materials to be collected during site investigation are:

(1) Measure the length of vehicle brake marks: this is the main basis for judging the speed before the accident.

(2) Tread width and pattern shape: This is one of the main basis for judging and tracing the accident vehicle.

(3) Determine the collision position by using the falling position of fragile objects such as dirt on the car body.

(4) Fingerprints on doors, handlebars and steering wheels are an important basis for judging the parties.

3. Transfer witnesses

The work of investigating witnesses is very important. If conditions permit, it is best to obtain the written evidence of the witness and draw a sketch of the witness's location and what happened. The sketch should indicate the position, driving direction and estimated speed of all parties, which can be used as a reference for determining the person responsible for the accident.

Obviously, the first witness should be the driver of the insured vehicle, and his proof is extremely important. We should try our best to create conditions for him to calmly and objectively explain what happened to Li. It should be emphasized that when vehicles collide with pedestrians, it is necessary to investigate the reasons why pedestrians cross the road and who is with the parties before crossing the road; When vehicles collide, you should visit the driver of the other vehicle to learn about the driving position, dynamics and measures taken by the other vehicle.

4. On-site review

After the completion of field survey, photography and sketch, it should be rechecked to ensure accuracy.

Second, the content of the field investigation

After receiving the report, the survey and loss assessment personnel should bring the motor vehicle insurance accident report record (copy), the motor vehicle insurance accident report form, the motor vehicle insurance claim application form and other relevant documents and necessary survey tools to the scene of the accident and get in touch with the informant in time. Site survey work must have more than two survey and damage assessment personnel to participate, and notify relevant departments to participate as appropriate.

Survey and damage assessment personnel must carry out survey item by item and carefully record in accordance with the requirements of Survey Records of Motor Vehicle Insurance Accidents (hereinafter referred to as Survey Records). Its main contents include:

(1) Find out the dangerous time.

Understand whether the exact time of the accident is within the validity period of the insurance, and be especially cautious and carefully verify the cases that are close to the beginning and end period of the insurance; Compare the time of the accident with the time of reporting to see if it exceeds 48 hours.

(2) Find out the location of the accident

Find out the accident site and see if the accident site is consistent with the driving area agreed in the insurance policy. To move the scene without authorization or lie about the location of the accident, it is necessary to find out the reasons.

Dangerous places are divided into: expressways, ordinary roads, urban roads, rural sidewalks and tractor roads, storage yards and others.

(3) Understand the situation of vehicles in danger.

Verify the model, license plate number 1, engine number, VIN code/frame number and driving license of accident-accident vehicles and third-party vehicles, record the mileage and body color of both vehicles in detail, and check whether they are consistent with insurance policies, certificates (or approvals) and driving licenses.

(4) the nature of the use of vehicles at night

Verify whether the use nature of the insured vehicle is consistent with the use nature stated in the insurance policy, whether it contains dangerous goods, and whether the vehicle structure has been changed or added.

During the insurance period, the insurance company shall not be liable for any insurance accident that occurs due to the modification and installation of the insured vehicle or the failure to notify the insurer in writing in time, which increases the risk of the insured vehicle.

(5) Understand the driver's situation.

Find out the driver's name, driver's license number, allowed driving type, date of the first driver's license, etc. Pay attention to check whether the driver's license is valid and whether the driver is the insured or his licensed driver or the driver agreed in the insurance contract; Drivers of special vehicles shall check whether they hold valid operation certificates issued by relevant state departments; Drivers driving commercial vehicles should check whether they have valid qualification certificates issued by relevant state administrative departments. After verifying the relevant documents, take photos of the documents.

(6) Find out the cause of the accident.

It is necessary to conduct in-depth investigation and understanding, collect evidence extensively, and find out the cause of the accident. It is necessary to find out whether the cause of the accident is an objective factor or a human factor; Whether it is the vehicle's own factors or the external influence; Is it a serious violation, intentional act or illegal act? All important information related to the case should be collected and recorded as far as possible to reflect the whole picture of the accident.

When the driver is suspected of drinking, smoking, injecting drugs, using an insurance vehicle or driving without a license after drug anesthesia, driving a vehicle that does not conform to the driving license, overloading, etc. , should immediately cooperate with the public security traffic management department to obtain relevant witness testimony and inspection certificate.

For major, complicated or questionable cases, it is necessary to visit relevant witnesses or insiders at the scene, understand the truth of the accident, make an inquiry record, specify the date of inquiry and the address of the person being questioned, and be confirmed and signed by the person being questioned.

(seven) to rescue and sort out the damaged property.

After the survey and damage assessment personnel arrive at the scene of the accident, if the danger has not been controlled, they should immediately study and determine the rescue plan with the relevant departments and take reasonable and effective measures to rescue them to prevent the loss from expanding.

After the insured vehicle is damaged, if the local repair price is reasonable, it should be arranged to be repaired at the scene, and it is not allowed to drive with faults. If the local repair cost is too high and needs to be towed back to the local repair, protective measures should be taken to prevent the accident from happening again. If it cannot be repaired, the residual value of the car should be properly handled.

(8) Determine the loss.

Find out the loss degree of damaged vehicles, goods and other property, and conduct damage assessment on the spot when necessary for the goods and other property that cannot be rescued. Pay attention to know whether the insured vehicle has new equipment in addition to the standard configuration; Pay attention to find out the casualties of all parties and estimate the amount of losses.

(9) Clear division of responsibilities

Find out the proportion of responsibilities borne by the parties to the accident, and at the same time pay attention to check whether the insured vehicles have double insurance, so as to share the claims with other insurance companies according to their responsibilities when calculating claims.

(1 1) When the accident time of the same insurance vehicle is close to the report center, the details of two (or more) cases must be carefully checked, especially the missing parts and traces of the accident vehicle. If the traces of related cases are consistent or similar, on the one hand, you should immediately check the accident scene and repair records of related cases; On the other hand, it is necessary to obtain relevant information from the site investigation and loss assessment personnel of the last case, and finally determine whether it is a repeated report.

After the site survey, the surveyors shall fill in the site survey records according to the above contents and requirements. If possible, try to get the insured or the driver to confirm the signature.