The car crashed, so the adjuster had to send me to his designated maintenance point for repair. What are the conditions?

A few days ago, while waiting for the traffic lights, my friend's car was rear-ended by a car behind him, resulting in the rear taillight, rear bumper and some small decorative pieces of the vehicle being knocked back. After the alarm, the traffic police surveyed the scene of the accident and finally made a judgment that the driver was fully responsible for the rear-end collision, so the other party immediately contacted its insurance company for damages and compensation. After the loss assessment was completed, the loss assessor gave me a mobile phone number and asked me to contact this repair shop for repair. After the maintenance, the compensation amount will be directly transferred to the company's corporate account. My friend wants to go to the 4S shop to have it repaired. As a result, the claim adjuster tricked him into this repair shop for repair, so my friend called the claim adjuster to ask if there was any trick in doing so. Let's talk about the topic of this issue, between the adjuster and the repair shop? Business activities? .

Generally speaking, no matter what kind of accident happens, the owner has the right to choose the maintenance method. As an insured insurance company, it has no right to interfere. Insurance companies have a systematic quotation method for vehicle maintenance. If the vehicle is repaired in the 4S shop, the vehicle will be damaged according to the charging standard of the 4S shop. If the vehicle is repaired in an ordinary garage, the damage will be determined according to the charging method of the ordinary garage.

If the loss adjuster forces the owner to go to the designated repair shop for repair, it can only show that the loss adjuster has business dealings with the repair shop or that the loss adjuster has taken kickbacks. In fact, this is also a hidden rule in the industry. A few years ago, many claim adjusters chose to resign after working for one or two years, mainly to cooperate with repair shops. Fraudulent insurance? The specific operation method is to report more parts that need to be replaced when the vehicle is damaged, or artificially destroy parts that are obviously not damaged, and reap huge profits from the higher damage quota. Simply put, it is fraudulent insurance; Another way is to quote the original factory price, but the difference is even greater when the sub-factory parts are replaced.

How to choose 4S shop and ordinary repair shop? In fact, the biggest difference between 4S shops and ordinary repair shops is the channel of accessories. Generally speaking, as long as the accessories ordered by 4S stores promise to be original, there is basically no problem. However, it is difficult for an outside garage to order pure original parts, and the high price is also the main reason why they will not choose. As for maintenance, there is basically no difference. 4S shop does not mean that it is particularly well maintained. The only advantage is the core technical support of the manufacturer.

In fact, in many cases, for some small accidents within 2000 yuan, the loss adjuster will directly transfer the claim amount to the personal account when determining the loss. Sometimes we can even make self-help claims, upload photos of the accident scene and vehicles, and then upload some disassembled photos, so that the claim adjuster can directly determine the damage.

When we encounter a vehicle accident, if it is not serious, we can choose to let the insurance company compensate directly and choose our own repair shop. If the accident is serious, it is best to choose a local 4S shop for maintenance. Never go to the repair shop designated by the adjuster for repair. As long as it meets the situation specified by the adjuster, you can either go directly to the 4S shop for repair or call the CIRC directly to complain.