汽车的定损与理赔【摘要】本论文主要阐述了在汽车行业日益发达的今天，国内外汽车保险行业的发展，汽车事故中责任的查勘，保险责任的判定，及其详细的判定方法。在全球保险业务中，汽车保险具有举足轻重的地位。近年来，我国已经开始进入汽车时代，汽车保险业务经营的好坏，不仅事关保险公司自身的经济效益和发展，也影响到保险职能作用的发挥及社会效益的实现，对保障社会稳定和人民的安居乐业发挥着积极的作用。如何借鉴国际上成熟保险市场汽车保险理赔服务的先进经验来改进我国传统的汽车保险理赔服务模式，提高工作效率，降低服务成本，已成为摆在我国汽车保险从业人员面前亟待解决的问题。关键词：定损，理赔，查勘，责任。Abstract:Thisthesismainlyexpoundstheautoindustryincreasinglydevelopedtoday,Thedevelopmentofcarinsuranceindustryathomeandabroad,caraccidentresponsibilityofsurvey,thejudgementoftheinsuranceliability,andthedetaileddecisionmethod.Intheglobalinsurance,automobileinsurancehasthepivotalstatus.Inrecentyears,ourcountryhasbeguntoentertheageoftheautomobile,carinsurancebusinessisgoodorbad,relatesnotonlytotheinsurancecompany'sowneconomicbenefitanddevelopment,alsoaffecttheinsuranceplaysanimportantroleinthefunctionandtherealizationofthesocialbenefit,tosafeguardthesocialstabilityandpeople'sliveandworkinpeaceandcontentmentisplayingapositiverole.Howtoprofitfromtheinternationalinsurancemarketmaturecarinsuranceclaimsserviceadvancedexperiencetoimproveourtraditionalautoinsuranceclaimsservicemode,improveworkefficiency,reduceservicecosts,hasbecomeChina'sautomobileinsuranceemployeesinfrontofproblemstobesolved.Keywords:charged，claims，survey，responsibility。目录1汽车保险业务的诞生与发展.................................................................................................................21.1查勘定损与判定责任....................................................................................................................41.1.1保险责任的查勘与确定........................................................................................................91.1.2定损的依据..........................................................................................................................132保险代位求偿与其条件.......................................................................................................................162.1保险代位求偿权的概念、性质。..............................................................................................162.2理赔工作的基本原则..................................................................................................................232.2.1汽车保险的分析与处理........................................................................................................25结束语.....................................................................................................................................................26谢辞.........................................................................................................................................................27文献.........................................................................................................................................................281汽车保险业务的诞生与发展汽车保险，即机动车辆保险，简称车险，是指对机动车辆由于自然灾害或意外事故所造成的人身伤亡或财产损失负赔偿责任的一种商业保险。汽车保险是财产保险的一种，在财产保险领域中，汽车保险属于一个相对年轻的险种。这是由于汽车...
