財(cái)產(chǎn)險(xiǎn)查勘手冊(cè)（平安）

1、1財(cái)產(chǎn)險(xiǎn)理賠查勘手冊(cè)財(cái)產(chǎn)險(xiǎn)理賠查勘手冊(cè)全國(guó)后援管理中心財(cái)產(chǎn)險(xiǎn)兩核作業(yè)部全國(guó)后援管理中心財(cái)產(chǎn)險(xiǎn)兩核作業(yè)部2006年3月PDFcreatedwithpdfFactyProtrialversion3責(zé)任險(xiǎn)責(zé)任險(xiǎn)......................................................................................................................

2、......................38一、責(zé)任保險(xiǎn)概述................................................................................................................381.1責(zé)任保險(xiǎn)概念.................................................................

3、..........................................381.2責(zé)任保險(xiǎn)的分類.......................................................................................................381.3責(zé)任保險(xiǎn)事故成立的要件...............................................

4、........................................381.4責(zé)任保險(xiǎn)調(diào)查取證（現(xiàn)場(chǎng)查勘）的特征...............................................................38二、責(zé)任保險(xiǎn)查勘規(guī)則...................................................................................

5、......................392.1責(zé)任保險(xiǎn)查勘標(biāo)準(zhǔn)...................................................................................................392.2責(zé)任保險(xiǎn)查勘前的準(zhǔn)備工作.....................................................................

6、..............402.3事故現(xiàn)場(chǎng)調(diào)查取證...................................................................................................41三、各險(xiǎn)種應(yīng)采集的必要理賠單證.............................................................................

7、........423.1公眾責(zé)任險(xiǎn)所需理賠單證.......................................................................................423.2雇主責(zé)任險(xiǎn)所需理賠單證.......................................................................................433.3產(chǎn)

8、品責(zé)任險(xiǎn)險(xiǎn)所需理賠單證...................................................................................433.4醫(yī)療責(zé)任險(xiǎn)所需理賠單證.......................................................................................443.5旅行社責(zé)任險(xiǎn)所需理賠單證......

9、.............................................................................443.6校方責(zé)任險(xiǎn)被保險(xiǎn)人所需理賠單證.......................................................................45四、分險(xiǎn)種現(xiàn)場(chǎng)查勘的注意事項(xiàng)....................................

10、.....................................................464.1雇主責(zé)任險(xiǎn)的現(xiàn)場(chǎng)查勘...........................................................................................464..2產(chǎn)品責(zé)任保險(xiǎn)的現(xiàn)場(chǎng)查勘............................................

11、..........................................474.3公眾責(zé)任險(xiǎn)的現(xiàn)場(chǎng)查勘...........................................................................................474.4醫(yī)療責(zé)任險(xiǎn)現(xiàn)場(chǎng)查勘..........................................................

12、.....................................48五、責(zé)任保險(xiǎn)適用的部分相關(guān)法律.....................................................................................48六、責(zé)任保險(xiǎn)查勘格式舉例...................................................................

13、..............................506.1雇主責(zé)任險(xiǎn)現(xiàn)場(chǎng)查勘報(bào)告.......................................................................................506.2《雇主責(zé)任險(xiǎn)現(xiàn)場(chǎng)查勘關(guān)鍵點(diǎn)位調(diào)查、判定表》................................................526.3調(diào)查筆錄....

14、..............................................................................................................546.4人員傷（亡）、費(fèi)用審核報(bào)告.................................................................................55機(jī)損險(xiǎn)機(jī)損險(xiǎn)...

15、.........................................................................................................................................56一、查勘準(zhǔn)備...........................................................................

16、.............................................561.1查勘派工與預(yù)約.......................................................................................................561.2查勘準(zhǔn)備...................................................

17、...............................................................56二、現(xiàn)場(chǎng)查勘........................................................................................................................562.1調(diào)查事故經(jīng)過和事故原因.............

18、..........................................................................562.2受損標(biāo)的查勘...........................................................................................................572.3材料收集原則.................

19、..........................................................................................572.4拍照..........................................................................................................................5

20、72.5查賬..........................................................................................................................58三、原因分析和責(zé)任認(rèn)定...............................................................................

21、......................603.1事故原因分析...........................................................................................................603.2保險(xiǎn)責(zé)任認(rèn)定.....................................................................

22、......................................603.3三者責(zé)任..................................................................................................................60四、材料收集...................................................

23、.....................................................................604.1基本單證..................................................................................................................60PDFcreatedwithpdfFactyProt