汽车保险与理赔（代写汽车保险论文）
摘要：随着人们生活水平的不断提高，汽车这一便利的交通工具，也逐渐成为现代生活中不可缺少的交通工具，虽为人们带来了极高的便利性，但其造成的交通事故也是不容忽视的，就此，为使车主在交通事故中得到保障，国家出台了一系列措施，保护消费者的合法权益，也导致出现了汽车保险，当发生交通事故，车主向承保公司报案，在查勘员确定事故的真实性及本次事故属保险责任之内，就可以领取到相应的赔款，以保障交通事故中车主的利益。本文叙述了汽车保险的发展过程及汽车保险查勘定损的内容，主要针对保险责任，对查勘内容要求以及技巧进行说明，重点在车辆损失评估上。最后拿具体案例进行说明。突显出查勘员在处理事故中需要注意的具体细节。
关键词： 汽车保险；消费者；；勘查定损；理赔难；保险理赔； 车辆损失
Automobile Insurance and Claims Settlement
Abstract: As people living standard unceasing enhancement, the car a convenient means of transportation, has become a modern life indispensable traffic tools, although has brought great convenience for people, but the cause of traffic accidents is also nots allow to ignore, the guaranteed in traffic accident for the owners, the state has staged a series of measures to protect the legitimate rights and interests of consumers, also led to the car insurance, when the traffic accident, the owner to the insurance company to report, part in the survey to determine the authenticity of the accident and the accident to the insurance responsibility, can get the corresponding compensation, in order to safeguard the interests of the owners of the traffic accident Described in the paper the development process of the car insurance and car insurance survey content, mainly for the insurance liability, the technique of the survey content requirements and instructions, focus on the vehicle damage assessment. In specific case. Part highlights the survey in the details of the need to pay attention to deal with the accident.
Keywords car：insurance, consumers, exploration, claims, vehicle insurance claims losses.
_____目录_____________ ________
摘 要.···································7
第1部分 车损评估 .·····························8
1.1 项目确定.·····························8
1.2 车损确定. ·····························8
1.3保险责任查勘.····························9
1.4现场查勘.······························11
第2部分 汽车理赔.······························16
2.1 车险市场的尴尬处境——车险骗保···················16
2.2 我国的理赔服务模式·························18
2.3我国车险理赔服务模式存在的弊端···················19
2.4车险理赔服务流程.·························20
2.5 车险理赔流程.···························20
2.6事故处理及保险索赔程序.······················20
2.7赔动作的基本原则··························20
第3部分 案例分析.·····························21
3.1案例1. ······························21
3.2案例2·······························23
3.3案例3·······························25
结束语···································27
参考文献··································28
致谢.····································29
参考文献
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