Car insurance loss business personnel often encounter such a situation: novice car owners in the accident, will directly repair the vehicle, and then according to the actual repair cost claim insurance company compensation.

事實(shí)上，這樣容易造成保險公司對修理項(xiàng)目和數(shù)額提出異議，若保險公司異議成立的話，被保險人可能要自行承擔(dān)不合理部分的修理費(fèi)用，這就出現(xiàn)了車主和保險公司之間的維修爭議。

In fact, it is easy for the insurance company to raise objection to the repair items and amount. If the objection of the insurance company is tenable, the insured may have to bear the unreasonable part of the repair cost, which leads to the maintenance dispute between the owner and the insurance company.

天平車險專家介紹說，車險理賠定損爭議往往聚焦在維修方面，主要是以下兩種情況：一是對于維修價位的爭議，主要是維修廠的維修金額高于定損員核定的損失金額。定損員在定損時會參考市場維修價格，確定合理的維修金額。但維修廠因進(jìn)貨渠道等原因，所進(jìn)的零件價格較高，或維修廠因?yàn)槠渌?，造成維修金額比較高。在這種情況下，客戶可以與定損員溝通，由定損員協(xié)商處理。

The experts of Tianping auto insurance said that the disputes of auto insurance claims and loss determination often focus on the maintenance, mainly in the following two cases: first, the dispute about the maintenance price, mainly because the maintenance amount of the maintenance factory is higher than the loss amount approved by the loss assessor. When determining the loss, the loss assessor will refer to the market maintenance price to determine the reasonable maintenance amount. However, due to the purchase channel and other reasons, the price of parts purchased by the maintenance plant is higher, or the maintenance cost of the maintenance plant is higher due to other reasons. In this case, the customer can communicate with the loss assessor, and the loss assessor will deal with it through consultation.

二是損失部件該更換或者該維修的爭議。一般來說，保險公司對車輛損失部件以修復(fù)為主，即損失部件可以修復(fù)使用，且不影響正常使用功能的，應(yīng)當(dāng)進(jìn)行修復(fù)處理。如果損失部件無法修復(fù)的，可以更換損失部件。故而在日常的維修過程中，建議投保人注意該分歧，確定好維修方式，以確保能夠獲得相關(guān)賠償。

The second is the dispute over the replacement or maintenance of the lost parts. Generally speaking, the insurance company mainly repairs the lost parts of the vehicle, that is, if the lost parts can be repaired and used without affecting the normal use function, they should be repaired. If the lost parts cannot be repaired, they can be replaced. Therefore, in the process of daily maintenance, it is suggested that the insured should pay attention to the difference and determine the maintenance method to ensure the relevant compensation.

上述專家還提醒車主，如果前期已和查勘員確認(rèn)按照4S店的維修方式確定損失金額的，切莫到普通修理廠進(jìn)行維修后，而是按4S店的定損金額支付維修費(fèi)用。因?yàn)?S店所需要的維修金額是高于普通修理廠的維修金額的，如果客戶按照4S店的定損金額向普通修理廠支付維修費(fèi)用，就相當(dāng)于客戶多支付了維修費(fèi)用。到時候索賠時，保險公司是按照客戶實(shí)際選擇的修理廠標(biāo)準(zhǔn)重新確認(rèn)損失金額，客戶會承擔(dān)不必要的損失。

The above experts also remind the car owners that if they have confirmed with the surveyors in the early stage that the amount of loss is determined according to the maintenance method of the 4S shop, they should not go to the ordinary repair shop for maintenance, but pay the maintenance fee according to the amount of loss determined by the 4S shop. Because the amount of maintenance required by the 4S shop is higher than that of the ordinary repair shop, if the customer pays the maintenance fee to the ordinary repair shop according to the fixed loss amount of the 4S shop, it is equivalent to the customer paying more maintenance fee. When the time comes to claim, the insurance company will reconfirm the loss amount according to the standard of the repair shop actually selected by the customer, and the customer will bear the unnecessary loss.