From the perspective of the accident car claims manager, see the difference in positioning between different types of repair shops

Accident vehicles are the core resources of insurance, either to reduce costs, or to change premiums, others are wasted!
Xiao Bian has been working on automobile insurance claims for more than ten years. From the front end to the back end, from operations to management, I feel that the most difficult thing to do is to pay the compensation manager. I have to withstand various pressures and carry dozens of indicators. Taking advantage of the team that the company has made up half of the team; How do you do it?
Gentlemen are not only different but also good at things. Xiao Bian recently promoted the “transparency repair” project and contacted the automotive aftermarket. He felt that if the claims manager can use the repair shop, there is a good card to play.

Why is it important to take advantage of a repair shop? <br> Of the dozens of indicators that claim managers have, there are roughly three categories: claims ratios, claims aging, services (complaints).
Let's talk about the loss ratio. More than 60% of the compensation will eventually go to the repair shop. However, repairs to different repair shops have great differences in maintenance costs. Therefore, if you do not understand the repair shop, 60% of the compensation will be out of control.
In terms of timeliness and service, 40% of the complaints are related to the results of the damages and the timeliness of the damages. The main cause of this is the repair shop.
The repair shop is a good card in the hands of the claims manager. <br><br><br><br><br><br><br><br> The accident car is the biggest resource in the hands of the claims manager. It is also the fat of the repair shop. This fat can be exchanged for insurance premiums, and it can also let the repair shop cooperate with the deduction. However, the vast majority of insurance companies are now throwing fat out of people to rush, or let an individual use the company for private gain.
Sending a good license = good efficiency + low loss rate

At present, insurance companies and auto dealers 4S stores generally have agreements for repairing resources for premiums. This is the use of resources from the perspective of increasing business, and most companies have reached a considerable scale (about 30%). However, most companies cooperate with collaborators to reduce compensation, but far from the ideal state (the ratio of push repair is only single digit). There are two aspects to consider here. One is where the repair shop goes to reduce the benefits; the second is how to get customers to the repair shop designated by the insurance company.
Knowing yourself and knowing each other is a good battle. In fact, many claims managers do not know enough about the repair shop. Apart from the difference between the 4S shop and the comprehensive repair shop, the comprehensive repair shop can also be further subdivided, and it can be used to play the role of various types of repair shop. The following table shows:

For example, in a 4-year high-end car, moderate loss, if you go to high-end car repair shop, compared to 4S shop can reduce the cost of about 40% of claims.
For another example, according to the current operation of the "transparent car repair" project, the amount of accessories for the direct supply of accessories can be reduced by about 12% from the original.
There are also some repair shops that have hidden properties such as good geographic location, traffic police force relations, special technical expertise for certain types of vehicles, etc. These repair shop specialties can help reduce claim costs if they are fully utilized.
Playing a good part of the card, people are not nervous, the case is no pressure <br> not enough staff is the compensation manager's long-term heart disease. In turn, the lack of manpower is due to too many links, such as the photo of people and vehicles at the time of damage, the inspection of the quality of accessories, repeated inquiry and verification of parts prices, and the reinstatement of inspections, etc., all of which are at insurance companies and repair shops. In the absence of trust, it took a lot of manpower, prolonged the timeliness, and annoyed customers. In fact, the effect was not satisfactory.
If the repair shop is in-depth cooperation with the insurance company, there are contractual constraints, there is a transparent system to show the whole process, so many links are redundant, and manpower can naturally save. "Transparent Repair Cars" is assembling such a group of trusted repair shops and providing a transparent system platform.
Set up cooperation licenses, transparency of information, and fewer customer complaints In fact, many customer complaints are caused by repair shops. For example, in the conflict between the insurance company and the repair shop, the price of the parts is the most controversial. Once it is not resolved, the repair shop will complain about the customer. As mentioned before, the amount of damages and the time-limit for damages often account for more than 40%.
The "transparent vehicle repair" platform focused on repair shops that cooperated with insurance companies in depth and had a good negotiation. Second, the purchase price of repair shop accessories was shown to the insurance company. The price dispute disappeared. Third, the maintenance quality was endorsed by the platform and the warranty was provided. Protection. In this way, complaints naturally drop.

Some insurance managers “cleanse themselves”, fearing that the factory being repaired will be dragged down, but they have lost the opportunity to improve their work. Nowadays, information transparency and cooperation and sharing are the themes of the times. As a claims manager, you must learn to actively embrace repair shops that do things with integrity and treat them with good faith.