What does the insurance company's claims Commissioner do?

It is a claim. When the insured or his property has an insurance accident, the insurance company's claims Commissioner will conduct a survey and then check the claims to see if the claims can be settled and how much to pay.

Specific work content:

1. Investigate and collect evidence, collect, sort out, review survey and damage assessment data;

2. After receiving the notice of survey and loss determination, organize customers and relevant personnel to conduct on-site survey and evidence collection to verify the loss of insurance accidents;

3. Meet with customers, check and determine the validity of property rights, find records of police and hospitals, and determine responsibilities;

4. Check the claim form and other records, determine the scope of insurance liability, and make compensation adjustment for all claims and agency claims within the scope of duties;

5. Explain the claim conclusion to customers and agents reasonably, and deal with customers' opinions on survey and damage assessment and claim feedback;

6. Filing claims documents, establishing and maintaining claims business database and customer risk files, analyzing customer risk distribution, and putting forward risk management countermeasures to ensure that claims information data is true and accurate;

7. Study the policies, management systems and practical processes related to claims, and put forward suggestions for drafting and revision, so as to continuously improve the quality and efficiency of claims.

Extended data:

Claim process

According to the Measures for Handling Road Traffic Accidents and the Procedures for Handling Road Traffic Accidents, the following accident handling procedures are stipulated:

Field investigation:

1. After a traffic accident, if the parties have no dispute about the facts and reasons, they can leave the scene immediately and negotiate for damages. If you don't leave the scene immediately, you must protect the scene and report the case to the public security organ quickly.

2. After receiving the instruction, the police on duty must rush to the scene within the promised time and dispose of the scene quickly.

3. Conduct on-site investigation, including on-site visit, photography, drawing, measurement and inspection. On-site investigation must be legal, timely, comprehensive and accurate.

4. After the on-site investigation records are verified, the parties or witnesses shall be required to sign the on-site map.

5, due to the need of inspection, if necessary, can detain the vehicle and relevant documents.

6. Agree with the parties to handle the accident.

7. After-the-fact investigation must be conducted according to law, including inquiry, trace extraction inspection, technical inspection, damage assessment and other necessary identification.

Responsibility determination:

1. In the investigation stage, the parties may be called to hold a hearing when necessary.

2. After finding out the basic facts of the accident and collecting sufficient evidence, identify the responsibility in strict accordance with the prescribed time.

3. When the responsibility is announced, all parties must be convened to clarify the basic facts of the accident and the reasons and basis for determining the responsibility.

4 inform the parties of the right to apply for re-appraisal and the statutory limitation.

Punishment:

1. After the responsibility determination becomes legally effective, the responsible party shall be punished and reported to the leader for approval.

2, according to the punishment decision made by the leadership to fill in the punishment award.

3, announced the punishment decision to the responsible person.

4 inform the parties of the right to apply for administrative reconsideration and the statutory limitation.

5. Improve relevant punishment procedures.

6. Execute the punishment.

Compensation mediation:

1. Collect certificates, bills and various materials related to damages.

2. After confirming the end of the treatment of the injured or determining the damage result, all parties or agents must be organized to conduct compensation mediation within the specified time. Mediation at most twice.

3. After the mediation is successful, a conciliation statement shall be made and sent to the parties respectively.

4. If the mediation is unsuccessful, the mediation conclusion must be filled in and sent to the parties, and the parties can be informed that they can bring a civil lawsuit to the people's court within the statutory time limit.

References:

Baidu encyclopedia-insurance adjuster