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四、现场资料的收集............................................................................................................ 11
4.1 责任证明................................................................................................................. 11
4.2 数量证明.................................................................................................................12
4.3 价值证明.................................................................................................................12
五、 常见风险事故的现场查勘...........................................................................................13
6.1 火灾事故现场查勘..................................................................................................13
6.2 暴雨、洪水事故的现场查勘..................................................................................18
6.3 雷击事故的现场查勘..............................................................................................20
货运险...........................................................................................................................................22
一、国内货运险产品概述.....................................................................................................22
1.1 国内货运险的特点...................................................................................................22
1.2 国内货运险查勘工作特点；...................................................................................22
二、查勘作业规程................................................................................................................22
2.1 接受派工..................................................................................................................22
2.2 查勘准备..................................................................................................................23
2.3 现场记录..................................................................................................................23
2.4 现场询问..................................................................................................................24
2.5 清分损失..................................................................................................................25
2.6 收集单证..................................................................................................................25
三、定损作业规程................................................................................................................26
3.1 判定损失原因...........................................................................................................26
3.2 撰写查勘报告...........................................................................................................28
3.3 谈判与沟通...............................................................................................................29
四、附录................................................................................................................................29
4.1 货物包装与运输要求...............................................................................................29
4.2 查勘报告格式...........................................................................................................32
4.3 查勘委托书格式.......................................................................................................36
4.4 案卷材料清单...........................................................................................................37
责任险...........................................................................................................................................38
一、责任保险概述................................................................................................................38
1.1 责任保险概念...........................................................................................................38
1.2 责任保险的分类.......................................................................................................38
1.3 责任保险事故成立的要件.......................................................................................38
1.4 责任保险调查取证（现场查勘）的特征...............................................................38
二、责任保险查勘规则.........................................................................................................39
2.1 责任保险查勘标准...................................................................................................39
2.2 责任保险查勘前的准备工作...................................................................................40
2.3 事故现场调查取证...................................................................................................41
三、各险种应采集的必要理赔单证.....................................................................................42
3.1 公众责任险所需理赔单证.......................................................................................42
3.2 雇主责任险所需理赔单证.......................................................................................43
3.3 产品责任险险所需理赔单证...................................................................................43
3.4 医疗责任险所需理赔单证.......................................................................................44
3.5 旅行社责任险所需理赔单证...................................................................................44
3.6 校方责任险被保险人所需理赔单证.......................................................................45
四、分险种现场查勘的注意事项.........................................................................................46
4.1 雇主责任险的现场查勘...........................................................................................46
4..2 产品责任保险的现场查勘......................................................................................47
4.3 公众责任险的现场查勘...........................................................................................47
4.4 医疗责任险现场查勘...............................................................................................48
五、责任保险适用的部分相关法律.....................................................................................48
六、责任保险查勘格式举例.................................................................................................50
6.1 雇主责任险现场查勘报告.......................................................................................50
6.2《雇主责任险现场查勘关键点位调查、判定表》................................................52
6.3 调查笔录..................................................................................................................54
6.4 人员伤（亡）、费用审核报告.................................................................................55
机损险...........................................................................................................................................56
一、查勘准备........................................................................................................................56
1.1 查勘派工与预约.......................................................................................................56
1.2 查勘准备..................................................................................................................56
二、现场查勘........................................................................................................................56
2.1 调查事故经过和事故原因.......................................................................................56
2.2 受损标的查勘...........................................................................................................57
2.3 材料收集原则...........................................................................................................57
2.4 拍照..........................................................................................................................57
2.5 查账..........................................................................................................................58
三、原因分析和责任认定.....................................................................................................60
3.1 事故原因分析...........................................................................................................60
3.2 保险责任认定...........................................................................................................60
3.3 三者责任..................................................................................................................60
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