What should I do if my insurance car is not repaired?
During the vehicle insurance claims process, many car owners may encounter the problem of "the car was not repaired after claiming insurance." This article will combine the hot topics and hot content on the Internet in the past 10 days to provide you with structured solutions and attach relevant data references.
1. Analysis of common problems and causes
| Question type | Proportion | main reason |
|---|---|---|
| Maintenance quality is not up to standard | 42% | Repair shop has insufficient skills/uses inferior parts |
| Insufficient claim amount | 35% | Damage assessment is low/hidden damage not found |
| Maintenance cycle is too long | 23% | Parts are out of stock/repair factory schedule is tight |
2. Solution step guide
1.Keep evidence: Take comparison photos before and after repairs, and save repair documents and insurance loss reports.
2.Negotiation and communication: Prioritize consultation with the repair shop and request re-repair or replacement of qualified parts.
3.insurance appeal: If the negotiation fails, submit a written complaint to the insurance company, attaching test reports and other evidence.
4.Third party appraisal: You can entrust a professional organization to conduct vehicle damage appraisal (for fees, please refer to the table below).
| Appraisal items | Reference fee | Time limit for issuance |
|---|---|---|
| Routine injury identification | 500-1500 yuan | 3-5 working days |
| Mechanical system inspection | 800-2000 yuan | 5-7 working days |
| Comprehensive assessment of the entire vehicle | 2000-5000 yuan | 7-10 working days |
3. Comparison of Rights Protection Channels
| channel | Time limit for acceptance | success rate | Applicable situations |
|---|---|---|---|
| Insurance Company Complaint | 3-7 working days | 68% | General disputes |
| China Banking and Insurance Regulatory Commission 12378 | 15-30 working days | 82% | major disputes |
| judicial proceedings | 3-6 months | 56% | Economic losses exceeded 20,000 yuan |
4. Suggestions on preventive measures
1.Choose a cooperative repair shop: Give priority to 4S stores or large maintenance companies certified by insurance companies.
2.Full tracking and maintenance: Require daily feedback on maintenance progress and on-site confirmation of key links.
3.Acceptance criteria are clear: Agree on the acceptance criteria in writing before repair, including accessory brand, warranty period, etc.
4.Purchase supplementary services: Some insurance companies provide "maintenance quality insurance", which can be purchased as an additional insurance (annual fee is about 200-500 yuan).
5. Latest policy developments
According to the "Motor Vehicle Insurance Service Specifications" updated in October 2023, insurance companies need to initiate an investigation within 72 hours after receiving a quality complaint, and the repair shop must provide a quality warranty period of at least 6 months. Car owners can log on to the official websites of local banking and insurance regulatory bureaus to check the list of compliant maintenance companies.
Through the above structured solutions, car owners can systematically deal with the problem of substandard vehicle maintenance. It is recommended to remain rational when encountering disputes, collect evidence according to the steps and safeguard rights in accordance with the law, and seek the assistance of professional lawyers when necessary.
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