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.

事实上，这样容易造成保险公司对修理项目和数额提出异议，若保险公司异议成立的话，被保险人可能要自行承担不合理部分的修理费用，这就出现了车主和保险公司之间的维修争议。

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.

天平车险介绍说，车险理赔定损争议往往聚焦在维修方面，主要是以下两种情况：一是对于维修价位的争议，主要是维修厂的维修金额高于定损员核定的损失金额。定损员在定损时会参考市场维修，确定合理的维修金额。但维修厂因进货渠道等原因，所进的零件较高，或维修厂因为其他原因，造成维修金额比较高。在这种情况下，客户可以与定损员沟通，由定损员协商处理。

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.

二是损失部件该更换或者该维修的争议。一般来说，保险公司对车辆损失部件以修复为主，即损失部件可以修复使用，且不影响正常使用功能的，应当进行修复处理。如果损失部件无法修复的，可以更换损失部件。故而在日常的维修过程中，建议投保人注意该分歧，确定好维修方式，以确保能够获得相关赔偿。

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.

上述还提醒车主，如果前期已和查勘员确认按照4S店的维修方式确定损失金额的，切莫到普通修理厂进行维修后，而是按4S店的定损金额支付维修费用。因为4S店所需要的维修金额是高于普通修理厂的维修金额的，如果客户按照4S店的定损金额向普通修理厂支付维修费用，就相当于客户多支付了维修费用。到时候索赔时，保险公司是按照客户实际选择的修理厂标准重新确认损失金额，客户会承担不必要的损失。

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.