Set loss and repair shop has ambiguous relations is a common phenomenon, but the degree to grasp the problem. "Overstatement less maintenance" is scheduled to damage and repair plant commonly used method of co-operation. For example, a car was damaged lights low and left, for an angle as long as the lights 45 yuan, together with the local painting, maintenance costs, such as Zaqizaba fees at most less than 200 yuan, but after the two sides jointly operator, reported to the insurance The company will become the top tire leaves the board was also damaged, and both sides need to re-paint. As a result, maintenance costs naturally soared to 4,000 yuan or more
4S store and handle the relationship between the most important
Chen Xin (not her real name) is a major financial Chanxiangongsi of auto insurance will be damaged, and some other colleagues, because it is scheduled to loss-in-Residence, where he goes to work in the north-west Beijing's Fourth Ring, a 4S shop. That 4S shop and have peace of Taibao-in-residence will be fixed-point loss center, who has been linked to the security of the brand, but it is not member of Daogang loss. The two set loss, plus the 4S shop receptionist, in a room, Shuluo each other very, very harmonious relationship.
"To have come to a full, it can be a Doudi Zhu." Beijing is Chen Xin, witty remarks. Reporters in practice in order to participate in three days, they are very busy indeed. "Now, at a single, small cases. To be put before a Mangsi, can not attend to eat all meals."
Chen Xin very warm, that is a reporter for the internship, they reel from the survey will be to introduce some of the loss of knowledge, all aspects. "As a set-in-Residence loss, the most important thing is to handle well the relationship between the store and 4S: too close, and you would think that they reached a certain agreement, which is the problem; too rigid, may affect the company 4S shops and co-operation, the company that you will not expand the size of the company's business. "Chen Xin Si not mind a new line of direct say, he felt that loss will be members of the professional sensitivity is well-known industry And these issues will be a loss must be faced.
"The general scene on 3-for-loss set a member." Chen Xin and has been done here in 13 months.
Chen Xinguo professional trade school graduation three years after graduation to enter the insurance industry, auto insurance damage done there will be 2 years, this industry can be considered "old".
When asked why he would have done such a long time, Chen Xin said: "I may be in the middle of this one must also grasp the degree of your trip. 4S shop that also can be, I do not look for a job."
Second repair shop, "impact"
Chen Xin said, "look for a job," referring to some of the repair shop owner's car out deliberately to "crash".
"My experience is that in general the small fraud (false repair shop), accommodating up to then pay compensation." Chen Xin, "such as the impact of the accident is not lost, as long as not too far, I have to pretend Did not watch out, otherwise they will come up with more daily L much greater losses. "
It is understood that this repair shop again, "impact" of the phenomenon is widespread. Chuxian owners, according to the Automobile Plant's request, to write a "loss will be commissioned by the agreement" solely by the head of Automobile plant to deal with the matter. "Blindly believe that the owners of the repair shop of the 'one-stop' services, car after the Chuxian safely to a variety of vehicles and repair shop full documentation to the agent. The repair shop has to make profits for the owners of the car Zhuangde beyond recognition."
"This is a trick commonly employed repair shop in this area and we thought of a number of ways, for example, contact the insured before the crash at the scene of view, the proposed insured by the repair shop as much as possible not to charge d'affaires claims procedures and so on." Chen Xin said that in general Said that if the owners see the impact, the car was not that kind of start, will certainly be very surprised, "At that time, and the repair shop owner on a pinch, I have to put themselves in a safe location." Chen Xin very Experienced.
"But there are a lot of owners feel that the full power to relatively easy repair shop, so no need to war, as long as the car repaired, do not have to spend money on their own line." Chen added, "4S shops in this area some good, some of the repairs II Plant 'hit-generation' is very serious, especially small auto repair shop to eat insurance professionals, rely on 'hands-foot dark' fortune. "
This reporter has learned that there are two pieces of Automobile profits, one time fee, usually can reach 30%; Second, the cost of materials. Pianbao, it is necessary to understand the insurance knowledge, but also understand vehicle structure. Automobile factory owners to take advantage of some of its own favorable conditions in the accident when the vehicle began to play tricks. Repair shop on the one hand, can damage has been reported to the insurance companies ask for replacement parts and maintenance costs, on the other hand, can you repair some of the problems, or to replace a much lower price of even low-quality components assembly. Normal is a profit of 20% -25% if the so-called "hit-generation" Pianbao, materials profits can be increased by at least 50% to as many as 200%, 300% or even higher.
"4S shop because of its maintenance than the average price clearly higher repair shop, the profits of their own space on the large number of their 'hit-generation' business is relatively small. 4S shop the most important thing is to set and the loss members to reach agreement. "Chen Xin said.
Loss refresher set their own
Chen Xin said frankly: "The damage will be repaired and the plant has ambiguous relations is a common phenomenon, but the degree to grasp the problem." According to reports, "reported that more than a small amendment" is scheduled to damage and repair plant commonly used method of co-operation . "For example, a car was damaged lights low and left, for an angle as long as the lights 45 yuan, together with the local painting, maintenance costs, such as Zaqizaba fees at most less than 200 yuan, but after the two sides jointly operator, reported to the Insurance will become the top tire leaves the board was also damaged, and both sides need to re-paint. "As a result," maintenance costs "a matter of course soared to 4,000 yuan or more.
It is understood that the damage will be repaired and plant joint Pianbao the main means of a "fabricated" and "small in the big Health" and "deceitful" several. Members will be hurt the most basic responsibility is to determine responsibility for the accident, whether or not the responsibility, is the basic responsibility for determining how much damage Members have the final say.
"Although the companies have to take pictures (the accident scene to shoot pictures) to be controlled, this is a 'Road' and the 'magic' of the struggle. Unload the good parts, bad parts to the placement of pictures as not to end them , And then finished well equipped with spare parts. A lot of ways. "This is an old phrase has come true: as long as they are man-made, there will be cheating.
"It's too deep inside the water. If all of a sudden I like driving a car to meet the company, which said that the clear." Reporter in the following three days, Chen Xin, did not see the "legend" in the "regular High-end restaurants to eat, go to work and leisure and entertainment center, "and so on. "Oh, drink Huajiu circumstances exist." Chen Xin does not evade.
In the end the number of "oil" is worth some of the repair shop do it this way? "I like the scene where the (fixed-point-in-residence set loss centers) to be made each year (pay) 3,000,000's about it." Chen Xin in the field in the 4S shop, north-west Beijing's Fourth Ring street, On both sides of the whole street is full of various 4S shop.
"The most serious is that some insurance companies will be hurt again rapporteurs is a repair shop owner, as both player and referee." Chen Xin said that if the owners are willing to car accidents on this loss will be members of the repair shop repair , He would damage vehicles will be a little high, such as the 15,000 cars it will be able to repair it, he will be a 20,000, as long as the other side of his car to the repair shop, more than 5000 out of his A. If the owners do not want to start to the loss members will be designated by the shop to repair his damaged car had set a little lower for owners to abuse the market on the repair shop can not repair, and then recommended to the owner or his factory to repair .
"Scheduled for loss of professional staff is very sensitive to earn more than 10 million in January of many people, that are idols of the class." Chen Xin say Beijing has a unique humor, "that is, he scolded them! For two years on Ben-X5, some people think the value. "
"I do not want to do this trip, scheduled for damage is capable Rapporteur life's work, especially the excellent technology. I do not want to see in the future so early, so early to see the end of the career development, taking advantage of young I would like to do business, the first (higher level managers) not. "Chen Xin very reluctant to do so," Members of this job loss will be a recruit the right people is not easy. "
Chen Xin most of the reporters the impression that one day see him wearing slippers sitting in the cold in front of the computer, he said the day before because of rain, careless tread water ditch, and shoes are fabulous roast. His only pair of shoes.
Insurance agents and insurance manager
The key is false
Zhang Yue (not his real name) was once the "old security", done salesman, claims director, operations section chief, branch manager, head office level, an insurance broker who is now chairman of the board of the company over the past 20 years of Experience, is particularly well-known auto insurance.
"The auto insurance claims' Maoni 'can be described as one after another, very hard to detect a variety of means of cheating have been refurbished, with the times.'d Like to completely eradicate it is not possible, how can say is effective in reducing and reducing. From the last century Auto insurance business started, we said to control the rate of payment, squeeze the water claims, for so many years, is still not effective. "Zhang Yue auto insurance claims at the mention of the topic, obviously a lot of feelings.
"The auto insurance claims' Maoni 'On the surface, all insurance companies will be damaged and repair plant in operation, they are the dominant focus of attention. Pianbao In fact, throughout the session, at least two participants: insurance Company managers (such as insurance companies, said manager) and insurance agents, they are hidden and more critical. "Cheung pointed out that insurance is meant to give the manager a number of other areas can not be solved on the cost of auto insurance costs, and Business Vehicle Insurance agent knows the general terms of insurance, and automotive knowledge to understand, and they are usually internal and insurance companies in the auto repair shop has relations, fraud is easy.
"Different companies, different stages and different repair shop, these four people have different characteristics of the fraud." Zhang Yue, different companies, old and new companies are different, such as human security and national life Insurance, In the size of the business, the People's Insurance is a defensive play, and the State Insurance life is offensive. PICC managers from the major vehicle insurance, the cost of taking a number of other costs from the lower reaches of the chain of fuss, and the country's life insurance manager from the upper reaches tend to make a fuss about, he is pondering to the agent's fee to 40 % Or 50%; different stages, for example, by the end of June to the end of December or business assessment, if the super-business, it is necessary to stay in profits, tightening loss adjuster; if not enough business to sprint, it would have to open claims, From the back, the size of compensation. A different point in time, managers and sales are not as a means of cheating.
On auto insurance is the size of the root causes of red
"The high rate of pay is also the root of the insurance companies simply by the size of the red vehicle insurance strategy." Zhang Yue, "the Beijing auto insurance market is an agent market, the insurance company from the hands of agents of all types buy Business, who for more than the cost of who's on the business, jargon is called 'release point', a release point, the business on the table. "
"Some companies even get to the needs of the business, have to agree with some of the repair shop's conditions, such as: first, was designated in the maintenance of their plant; Second, give the repair shop or 10,000 below the 5000 loss will be right." Zhang Yue said, "This is very serious consequences, police and a thief, at any point Guaceng small, small loss, repair shop can be set to 9999 or 4999 yuan."
In addition, the volume of business is bound to bring about the rapid expansion of personnel shortages, as a direct result of damage survey will be "rushed into battle," poor professional quality of basic skills. "Today, auto insurance survey the training period is one week, with sales from the old to a week after an independent operation, its expertise and analytical skills to ensure that it is difficult."
It is understood that a financial Chanxiangongsi Shaanxi branch of the Department claims in 2006 fired more than 60 set loss, it also shows that insurance companies do not have been their own to find a sound regulatory system, which only lead to a settlement of claims "one after the other," "Combatants" in the first Pianbao online.
"Although insurance companies have taken some measures, for example, cited the quotation system set loss, but fraud still Zhibu Zhu forgery, and can even be said to provide a convenient cover as a legal cloak." Cheung pointed out that there Maoni more piece of material, for example, generally at the original pieces, pieces of plant, Deputy, 3 pieces of fake, the newspaper bid are the original pieces can be an actual pieces of what is generally clear where the owner.
"Members only loss will be expelled from the only stop-move, on the root system is flawed and will occur sooner or later 'death Qing Fu, Lu has not been difficult to' end." Cheung said.
No comments:
Post a Comment