Insurance Inspection
Insurance loss adjusters are professionals engaged in the insurance claims of the survey, will be damage, loss adjusting, testing staff, he stood an independent position on the matters entrusted to make an objective and impartial evaluation of the parties to provide services for the insurance. May be called a Insurance Assessor.
Insurance Assessor is in accordance with the law established by the insurer, the insured or the insurer handled by the insurance survey of the subject, identification, Gu Sun and the indemnity of the adjustment to the principal for remuneration of the company.
Insurance Assessor's main function is commissioned in accordance with client requirements, insurance, subject to inspection, appraisal and adjustment, and furnish a report on the insurance adjuster, which are above do not represent the interests of any party to make the insurance payment toward a fair , reasonable and beneficial to the insurance mediation between the parties on insurance claims in conflict.
With the rapid development of China's insurance industry, insurance intermediaries are increasingly active, the public may be insurance agents, insurance brokers have become more familiar with, but also feel that they bring us the convenience of buying insurance; and one for the same is the insurance intermediary Members of the Insurance Assessor, is relatively unfamiliar.
The main functions of the Insurance Assessor in accordance with the insurer, the insured or the insurer's commission on the insurance subject to inspection, identification, Gu Sun and adjustments. Insurance Assessor is independent of the insurance clients, their professional standards to make more just, fair and reasonable insurance loss adjusters report, has a certain authority, in particular, is conducive to the mediation between the parties on the insurance claims insurance in contradiction.
Insurance Assessor at all over the world insurance market has developed very rapidly in the insurance market has now become an indispensable and important component. China's current Insurance Assessor agencies is still relatively small, far from being able to meet the market needs. The insurance regulators are working to improve laws and regulations, insurance loss adjusters, loss adjusters China's insurance industry to promote rapid and healthy development.
First, the role of Insurance Assessor
(A), Insurance Assessor to solve the insurer difficult to solve technical and professional issues. Insurance for general insurance underwriting or insurance claims may deal with, but for some specialized, high-tech treatment of the subject of insurance is more difficult. And by industry experts Insurance Assessor is well positioned to help insurance companies address the areas of underwriting and claims a number of professional, high technological content of the problems and promote the good functioning of the insurance industry.
(B), Insurance Assessor to work for the insurance claims professional. The insurance industry is a commercial approach to operations, on the one hand, the modern insurance industry, the development requirements of the insurer's underwriting has been expanding; the other hand, due to various constraints, the decision of the insurer can not be completely in accordance with * our own strength to solve all in underwriting and claims issues. The international community more and more insurance companies to insurance claims by the Insurance Assessor to complete the work, which could be better dedicated to market development and enhance the management level. Replaced by the Insurance Assessor Insurance Companies independently undertake insurance claims work, and the specialization of insurance claims are conducive to settlement of insurance claims is constantly being upgraded, and makes the Insurance Assessor staff and insurance institutions to exchange technical experience to promote the insurance assessing the level of public sector as a whole improved.
(C), Insurance Assessor to ease the insurers and the conflict between the insured person. The insurer and the insured person as an insurance contract, the parties interests of both parties can be said to be contradictory, especially when you become more prominent in the settlement of claims. Insurance Assessor in his capacity as a neutral to help the parties deal with matters related to the maximum extent possible to ensure a fair deal with the results, so that the rights of the contracting parties to achieve a fair manner, thereby reducing insurance claims of conflicts and disputes.
Second, the classification of Insurance Assessor
A, sequence of activities by business classification
Insurance Assessor in the insurance loss adjusters according to the operational activities of the different sequence, Insurance Assessor can be divided into two categories: one category is covered when the adjuster, a class is when the public claims adjuster.
(A) the undertaking of public adjuster