【正文】 ...........................6 保單變更約定 ....................................................................................................7 索賠情況 ......................................................................................................................7 被保險人自述 ...................................................................................................7 被保險人 索賠 內(nèi)容 ...........................................................................................7 涉案標(biāo)的介紹 ...............................................................................................................8 事故勘查 ......................................................................................................................8 II 第一現(xiàn)場情況 ....................................................................................................8 公估勘驗現(xiàn)場情況 ............................................................................................9 公估師工作情況 .............................................................................................12 損失核定 .....................................................................................................................12 損失情況 .........................................................................................................12 處理方案 .........................................................................................................13 施救情況 .........................................................................................................13 損失統(tǒng)計 .........................................................................................................14 損失核算 ..........................................................................................................14 3 事故原因及責(zé)任分析 ..........................................................................................................17 事故原因分析 .............................................................................................................17 事故責(zé)任分析 .............................................................................................................18 保單責(zé)任分析 .............................................................................................................19 保單主體核定 .................................................................................................19 保單時效分析 ..................................................................................................19 保險標(biāo)的核定 ..................................................................................................19 適用條款分析 .................................................................................................20 保單擴展條款分析 .........................................................................................20 保單特別約定分析 ..........................................................................................20 責(zé)任比例分?jǐn)偡治?..........................................................................................20 保單責(zé)任建議 .............................................................................................................20 4 保險理算分析 .......................................................................................................................22 保險理算說明 ............................................................................................................22 保險責(zé)任說明 ..................................................................................................22 損失金額說明 .................................................................................................22 保險理算結(jié)果 ............................................................................................................22 5 結(jié)論 .......................................................................................................................................23 標(biāo)的確認(rèn) ....................................................................................................................23 事故成因 ....................................................................................................................23 保單責(zé)任建議 ........................................................................................................