Its impartiality is unconvincing. As a result, insurance assessors engaged in the inspection, appraisal and evaluation of insurance accidents came into being.
The so-called insurance assessor refers to an institution independently engaged in insurance accident assessment and appraisal established according to law and an expert with legal qualifications engaged in insurance accident assessment and appraisal. They are independent third parties to assist insurance claims, and are entrusted by insurance companies and insured persons to provide insurance accident assessment and appraisal services.
The establishment of insurance assessment institutions:
According to the Regulations on the Administration of Insurance Assessment Institutions, insurance assessment institutions can be partnerships, limited liability companies, joint stock limited companies and other forms. Generally speaking, it should meet the requirements of the sponsor, agreement or articles of association, capital contribution, name and residence, and the senior managers and evaluators meet the prescribed conditions (such as bachelor degree) or have corresponding qualifications.
Insurance evaluation procedure:
As the assessment and appraisal results of insurance assessors are related to the legitimate interests of insurance companies and the insured, China's Insurance Law clearly stipulates this in Article 123:
(1) Both the insurance company and the insured have the right to hire an independent evaluation agency or expert to evaluate and identify the insured accident;
(2) The insurance assessor who is hired for assessment and judgment can be an institution or an individual; However, institutions must be independent professional institutions established according to law, and individuals must be experts with legal qualifications.
(3) An insurance adjuster shall perform business fairly according to law, and the assessment shall be well-founded and conform to the procedures, and the contents of the assessment report must be true, accurate and complete. If damage is caused to the insurance company and the insured due to intentional or negligence, it shall be liable for compensation according to law.
(4) The appraisal fees of insurance assessors shall be handled in accordance with the provisions of laws and administrative regulations. That is, it can be agreed by both parties, but it should abide by the provisions of the Insurance Law, the Price Law, the Contract Law and laws and administrative regulations on property appraisal.
Contents of insurance assessment:
According to the Regulations on the Administration of Insurance Assessment Institutions, the contents of insurance assessment mainly include the following items:
(1) Inspection, valuation and risk assessment of the subject matter insured before underwriting;
(2) Survey, inspection, loss estimation and adjustment of the subject matter insured after the accident;
(3) Other businesses approved by the China Insurance Regulatory Commission.
Supervision of insurance evaluation:
In order to regulate the behavior of insurance assessors, the China Insurance Regulatory Commission promulgated the Regulations on the Administration of Insurance Assessors on 2001116, which came into effect on 2002 16. At the same time, the CIRC stipulates that insurance assessors must pass special qualification examinations and obtain qualification certificates.
An insurance adjuster must register with the competent authority in accordance with the law, pay a deposit and obtain a practice certificate, otherwise he may not carry out business. When conducting business, the loss adjusters are limited to the legal insurance industry, and should have a fixed business place, and set up special account books to record business income and expenditure, and accept the supervision and inspection of the competent department.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.