Daily life of auto insurance surveyor: As an experienced surveyor, he doesn't go to the scene directly when he receives the task of sending a case to investigate, but first analyzes the report information, gets a preliminary understanding of the case and pays attention to the time of the accident. If it is late at night or early in the morning, it is a high incidence of intentional fraud. If it is noon or evening, after dinner or on weekends, you should pay special attention to drunk driving. The accident site near the insurance period or temporary insurance coverage is very likely to be intentional, so we must be vigilant.
The second is the location of the accident: in remote areas, someone may make a fake. Accident mode: whether old and stolen vehicles are easy to be robbed. Historical accident situation: the accident vehicle has been out of danger many times, concentrated in the case of short time interval.
Reporting information: the logical relationship of reporting information content is chaotic.
Investigate in time to obtain first-hand information.
The first scene: serious and extraordinarily serious cases should be investigated at the same time as possible and rushed to the first scene, and the first-hand information of the accident scene should be collected in time to supervise, guide and assist the claim adjusters to deal with them on the spot.
Reconnaissance site: Reconnaissance the incident site, compare the loss of previous investigation, comprehensively investigate the surrounding situation and find relevant clues.
The focus of auto insurance case investigation:
First, the detailed course of the accident, whether the time, place and reason (speed) are true.
B. Whether the accident losses are true and whether the collision marks are reasonable. C, whether there is intentional behavior, whether others use the subject matter of insurance for accidental fraud claims.
D, the authenticity of the identity of the driver and the personnel on board, whether the driver in danger is the driver agreed by the insured, and whether there is any top package situation.
E. Whether the accident handling situation is true and whether the relevant documents provided are true. F whether the rescue is reasonable and whether the insured knows about the entrusted repair.
G. Whether there was insurance before insurance in the past.
H, whether the target car is legal, whether to conceal the purpose, whether to engage in illegal activities.
Main methods of auto insurance investigation:
Ask people or witnesses related to the case and record the purpose of the inquiry.
A. Understand the whole process of accident occurrence and treatment in detail, and look for doubts and clues.
B, in view of the doubts found, understand some hidden associations and find out the loopholes.
C. Check the doubts with relevant personnel and obtain exact testimony.