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本人是一名交通事故处理民警,在事故处理工作中与保险公司有着紧密合作。近年来,随着保险事业的发展、保险公司的不断增加,在交通事故处理、保险理赔上出现许多不和谐因素,不同保险公司在保险理赔中的操作规程不尽相同,加之基层保险业务人员变动过快,少数业务人员对保险法规政策掌握不准,有时作错误答复,使办事群众来回奔走于交通局、保险部门之间,以致本可一次办结的事情,迟迟不得解决,损害了行业形象,群众非议颇多,因此,亟需制定机动车保险理赔操作规范。笔者认为,目前交通事故保险理赔工作中主要存在以下六点问题,并就解决之道提出一些个人粗浅的看法。
I am a police officer dealing with traffic accidents and have close cooperation with insurance companies in the handling of accidents. In recent years, with the development of insurance business, insurance companies have been increasing. Many disharmonious factors appear in the handling of accident and insurance claims. Different insurance companies have different operating procedures in insurance claims. In addition, Too fast, a small number of business people are not allowed to control insurance policies and regulations, and sometimes give wrong answers so that the masses of people running back and forth between the Transportation Bureau and the insurance sector can not settle the matter once and for all and damage the industry Image, the masses criticized a lot, therefore, urgently need to formulate motor vehicle insurance claims norms. The author believes that there are mainly six problems in the current accident insurance claims work and some personal and shallow opinions on the solution.