According to Article 17 of the Guidelines for the Management of Motor Vehicle Insurance Claims, the company shall formulate a management system and operational norms covering the whole process of auto insurance claims. According to the principle of simplicity and high efficiency, the workflow and operation methods of reporting, dispatching, surveying, filing, loss assessment, personal casualty tracking (investigation), price verification, loss verification, medical audit, data collection, loss adjustment, loss verification, case closing, compensation, recovery and disposal of damaged materials, customer return visit, complaint handling and special case handling are unified and standardized.
Gradually realize standardized and consistent claims management and customer service. In order to prevent risks and improve work quality and efficiency, we should strictly standardize the connection points of all links in claims settlement, and form the necessary mutual supervision and restriction mechanism between the front and back links.
Extended data:
Provisions on relevant requirements for motor vehicle insurance claims:
1. The company shall establish a claim expense management system and standardize the management of direct claim expenses and indirect claim expenses in strict accordance with the provisions of the accounting system. The allocation of claims expenses should be scientific and reasonable, in line with relevant regulations.
2. The expenses for direct claims should be truthfully charged in strict accordance with the charged items and original documents and materials, and the power of examination and approval should be concentrated in institutions at or above the provincial level, and monitored according to a certain proportion of the expenses for direct claims.
3. For indirect creditor's rights, strict budget management, accrual standards, charged items, charged audit and execution supervision system should be formulated, and strict examination and approval procedures should be stipulated for charged items and single large expenditures of indirect creditor's rights.
Baidu Encyclopedia-Guidelines for the Management of Motor Vehicle Insurance Claims