
Source: Fubon Binh Duong Compensation Appraisal Department.
Necessary documents that the garage prepares:
Vehicle registration
Driver's license
Accident notification
Photos of loss and damage
Image after repair
Police report (if required)
Conciliation board (if needed)
Invoice
Notice of claim (signed by garage)
Acceptance report.
2.4.2.3 Garage Service's settlement process (for unauthorized garages).
Figure 2.4 Garage Service's settlement process diagram (for unauthorized garages).

Source: Fubon Binh Duong Compensation Appraisal Department.
2.4.2.4 Motor vehicle compensation settlement process (Third party human accident)
Figure 2.5 Flowchart of motor vehicle compensation settlement process (Third party human accident)

Source: Fubon Binh Duong Compensation Appraisal Department.
B2. The insured person takes photos (of the accident scene):
• The insured person has two options: either take a photo (even a photo taken with a phone is acceptable) or report the accident to the local police.
• For collisions with third parties, reporting to the police is usually the best way to support the insured person in the compensation process.
How to take photos at the scene:
The insured should take full pictures.
presently
accident scene including taking photographs of evidence that is believed to have led to the accident.
B4. Notify Fubon and prepare relevant documents: Notice
Notify Fubon in any form (phone, fax, email...). What documents need to be prepared:
• Police report (if available or incident report)
work done
• Insurance certificate, insurance contract
• Vehicle registration (copy)
• Driver's license (copy but bring the original for comparison)
B7. Gather all necessary receipts or bills: Hospital receipts, medicine bills, etc.
2.4.2.5 Motor Vehicle Compensation Settlement Process (Third Party Property Damage)
Figure 2.6 Flowchart of motor vehicle compensation settlement process (Third party property damage)

Source: Fubon Binh Duong Compensation Appraisal Department.
B2. The insured person takes photos (of the accident scene):
• The insured person has two options: either take a photo (even a photo taken with a phone is acceptable) or report the accident to the local police.
• For collisions with third parties, reporting to the police is usually the best way to support the insured person in the compensation process.
• In case the insured person cannot take pictures or report to the police for minor scratches, he/she must immediately notify Fubon for specific instructions or take the vehicle to Fubon's garage system (garages that have signed a contract with Fubon) for repair consideration.
How to take photos at the scene:
The insured should take full pictures.
presently
accident scene including taking photographs of evidence that is believed to have led to the accident.
B3 . Notify Fubon and prepare relevant documents : Notify Fubon in any form (phone, fax, email , etc. ).Whatdocumentsneed to be prepared :
• Police report (if available or incident report)
work done
• Insurance certificate, insurance contract
• Vehicle registration (copy)
• Driver's license (copy but bring the original for comparison)
B9/ Confirmation of receipt of all necessary documents: After the person is
The insurance company has provided the claim documents.
related and signed the notice of acceptance
2.4.3 Current status of the company's appraisal and compensation work.
Compensation assessment is a part of after-sales service, which affects the competitiveness and reputation of the Company. Therefore, Fubon Binh Duong pays great attention to this work.
Loss assessment is carried out by assessors. In developed countries, assessors are directly appointed and selected by insurance companies. However, in most countries, assessors are employees of the insurance companies themselves. Therefore, assessors must ensure the following requirements:
Damage recording must be accurate, timely, objective and honest. Damage recording means recording the actual situation and re-determining the damage, severity and cause of the damage. The appraisal work is only carried out when the insured or the insurance company requests it. To ensure
To ensure objectivity, some insurance transactions during the appraisal process must be witnessed by relevant parties.
Proposing measures for preservation and prevention of damage must be timely and within the authority. When a risk of loss occurs, the surveyor has the obligation to intervene to minimize the severity of the loss and the increase in damage.
damage. If systematic loss is found, the assessor must find
understand the cause, how to resolve it and notify the insurance company that has appointed you as an assessor.
The information that the appraiser provides to the insurance company, although voluntary, includes all the details of the events that occurred and related issues such as: The actual situation at the scene of the accident, the theft situation, regulations of the police and local authorities, etc. This information will be worthless if provided too late, because it will not be discussed and used as evidence when making a record of loss appraisal.
Compensation is the final step of motor vehicle insurance, the milestone.
quality mark of insurance services. Can create trust, credibility and
Whether or not a customer wishes to renew depends mainly on the compensation stage. Motor vehicle compensation includes compensation for the Civil Liability of the motor vehicle owner to a third party and compensation for physical damage to the motor vehicle. Compensation and insurance payment are the core issues of the insurance business. Because when buying insurance, it means that the customer has paid for the insurance products and the insurance company commits to compensate quickly and fully if they unfortunately suffer a loss. At the time of loss, the customer often suffers great mental "shocks", especially in cases where the insured person dies or is permanently disabled. At this time, the capacity, honesty, efficiency, tact and humanity of the insurance company are recognized through its treatment of victims and insured events. If handled well, it is
is the best way to advertise for an insurance company. Therefore, Fubon Binh Duong always believes that "Commitments are guaranteed by gold".
Specifically, we have the situation of compensation for motor vehicle insurance operations at the company in the period 2011-2012:
Table 2.3: Compensation situation for motor vehicle insurance operations at Fubon Binh Duong in the period 2011-2012 (unit: million VND)
STT
Business | 2011 | 2012 | |
1 | Automobile liability insurance | 295 | 503 |
2 | Motorcycle liability insurance | 0 | 1 |
3 | Accidents for drivers and passengers sitting in the car | 0 | 19 |
4 | Car material | 1,342 | 1,970 |
5 | TNDS beyond mandatory limit | 11 | 14 |
Total | 1,776 | 2,507 | |
Maybe you are interested!
-
Review of service process at Parkview restaurant of New World Saigon Hotel - 2 -
Quality Management Step by Step in the Aviation Service Supply Process: -
Third party civil liability insurance of motor vehicle owners at Petrolimex Joint Stock Insurance Company: current situation and solutions - 8 -
Factors Affecting the Quality of Motor Vehicle Inspection -
Car body electrical practice - 8
zt2i3t4l5ee
zt2a3gs
zt2a3ge
zc2o3n4t5e6n7ts
If the voltage is out of specification, replace the wire or connector.
If the voltage is within specification, install the front fog light relay and follow step 5.
Step 5 Check the front fog light switch
- Remove the D4 connector of the fog light switch
- Use a multimeter to measure the resistance of the front fog light switch.
Measurement location
Condition
Standard
D4-3 (BFG) -D4-4 (LFG)
Light switchFront Fog OFF
>10kΩ
D4-3 (BFG) -D4-4 (LFG)
Front fog light switchON
<1 Ω
- Standard resistor
D4 connector is located on the combination switch assembly.
If the resistance is out of specification, replace the combination switch (the fog light switch is located in the combination switch).
If the resistance is within specification, follow step 6.
Step 6 Check wiring and connectors (front fog light relay-light selector switch)
- Disconnect connector D4 of the combination switch assembly
- Use a voltmeter to measure the voltage value of jack D4 on the wire side.
Measurement location
Control modecontrol
Standard
D4-3 (BFG) - (-) AQ
TAIL
11 to 14 V
D4 connector for the wiring of the combination switch assembly
If the voltage does not meet the standard, replace the wire or connector.
If the voltage is within standard, there may have been an error in the previous measurements.
Step 7 Check the front fog lights
- Remove the front fog light electrical connector.
- Supply battery voltage to the fog lamp terminals
Jack 8, B9 of front fog lamp on the electrical side
blind first.
Power supply location
Terms and Conditions
Battery positive terminal - Terminal 2Battery negative terminal - Terminal 1
Fog lightsbefore morning
- If the light does not come on, replace the bulb.
If the light is on, re-plug the jack and continue to step 8.
Step 8 Check wiring and connectors (relay and front fog lights)
- Disconnect the B8 and B9 connectors of the front fog lights.
- Use a voltmeter to measure voltage at the following locations:
Measurement location
Switch location
Terms and Conditions
B8-2 - (-) AQ
Electric lock ON TAIL size switchFog switch ON
11 to 14 V
B9-2 - (-) AQ
Electric lock ONTAIL size switch Fog switch ON
11 to 14 V
B8 and B9 connectors on the front fog lamp wiring side
Voltage is not up to standard, repair or replace the jack. If up to standard, there may have been an error in the measurement process.
2.2.4. Procedure for removing, installing and adjusting fog lights 1. Procedure for removing
- Remove the front inner ear pads
Use a screwdriver to remove the 3 screws and remove the front part of the front inner ear liner
-Remove the fog light assembly
+ Disconnect the connector.
+ Use a screwdriver to remove 3 screws to remove the fog light cover
2. Installation sequence
-Rotate the fog lamp bulb in the direction indicated by the arrow as shown in the figure and remove the fog lamp from the fog lamp assembly.
-Rotate the fog light bulb in the direction indicated by the arrow as shown in the figure and install the light into the fog light assembly.
- Use a screwdriver to install the fog light cover
-Install the electrical connector
Attention: Be careful not to damage the plastic thread on the lamp assembly.
- Install the front inner ear pads
Use a screwdriver to install the front inner bumper with 3 screws.
3. Prepare the vehicle to adjust the fog light convergence. Prepare the vehicle:
- Make sure there is no damage or deformation to the vehicle body around the fog lights.
- Add fuel to the fuel tank
- Add oil to standard level.
- Add engine coolant to standard level.
- Inflate the tire to standard pressure.
- Place spare tire, tools and jack in original design position
- Do not leave any load in the luggage compartment.
- Let a person weighing about 75 kg sit in the driver's seat.
4. Prepare to check the fog light convergence
a/ Prepare the vehicle status as follows:
- Place the car in a dark enough place to see the lines. The lines are the dividing line, below which the light from the fog lights can be seen but above which it cannot.
- Place the car perpendicular to the wall.
- Keep a distance of 7.62 m between the center of the fog lamp and the wall.
- Park the car on level ground.
- Press the car down a few times to stabilize the suspension.
Note: A distance of approximately 7.62 m is required between the vehicle (fog lamp center) and the wall to adjust the convergence correctly. If the distance of 7.62 m cannot be achieved, set the correct distance of 3 m to check and adjust the fog lamp convergence. (Since the target area varies with the distance, please follow the instructions as shown in the figure.)
b/ Prepare a piece of thick white paper about 2 m high and 4 m wide to use as a screen.
c/ Draw a vertical line through the center of the screen (line V).
d/ Set the screen as shown in the picture. Note:
- Keep the screen perpendicular to the ground.
- Align the V line on the screen with the center of the vehicle.
e/Draw the reference lines (H, V LH and V RH lines) on the screen as shown in the figure.HINT:
Mark the center of the fog lamp on the screen. If the center mark cannot be seen on the fog lamp, use the center of the fog lamp or the manufacturer's name mark on the fog lamp as the center mark.
H line (fog light height):
Draw a line across the screen so that it passes through the center mark. Line H should be at the same height as the center mark of the fog light bulb.
Line V LH, V RH (center mark position of left fog lamp LH and right fog lamp RH):
Draw two lines so that they intersect line H at the center marks.
5. Check the fog light convergence
a/ Cover the fog lamp or remove the connector of the other side fog lamp to prevent light from the unchecked fog lamp from affecting the fog lamp convergence test.
b/ Start the engine.
c/ Turn on the fog lights and make sure that the dividing line is outside the standard area as shown in the drawing.
6. Adjust the fog light convergence
Use a screwdriver to adjust the fog light to the standard area by turning the toe adjustment screw.
Note: If the screw is adjusted too far, loosen it and then tighten it again, so that the last rotation of the light adjustment screw is clockwise.
3. Self-study questions
1. Describe the operating principle of the lighting system with automatic headlight function
2. Describe the operating principle of the lighting system with the function of rotating headlights when turning
3. Draw diagram and connect lighting system on Hyundai Porter car
4. Draw diagram and connect lighting system on Honda Accord 1992
5. Draw the lighting circuit on a 1993 Toyota Lexus
LESSON 3 MAINTENANCE AND REPAIR OF SIGNAL SYSTEM
I. IMPLEMENTATION GOAL
After completing this lesson, students will be able to:
- Distinguish between types of signals on cars
- Correctly describe common symptoms and suspected areas causing damage.
- Connecting signal circuits ensures technical requirements
- Disassemble, install, check, maintain and repair the signal system to ensure technical requirements.
- Ensure safety in work and industrial hygiene
II. LESSON CONTENT
1. General description
The signal system equipped on cars aims to create signals to notify other vehicles participating in traffic about the vehicle's operating status such as: stopping, parking, braking, reversing, turning...
Signals are used either by light such as headlamps, brake lights, turn signals….. or by sound such as horns, reverse music….
Just like the lighting system. A signal system circuit usually consists of: battery, fuse, wire, relay, electrical load and control switch. Only some switches of the signal system are on the combination switch. The switches of other signals are usually located in different locations such as in the gearbox or brake pedal……
2. Maintenance and repair
2.1. Turn signals and hazard lights
The installation location of the turn signal is shown in Figure 3.1. The turn signal control switch is located in the combination switch under the steering wheel. Turning this switch to the right or left will make the turn signal turn right or left.
The hazard light switch is used when the vehicle has a problem while participating in traffic. When the hazard light switch is turned on, all the turn signals on the vehicle will light up at a certain frequency. The hazard light switch is usually placed separately from the turn signal switch (some old cars integrate the hazard and turn signal switches on the same combination switch cluster).
Figure 3.1 Turn signal switch Figure 3.2 Hazard switch
The part that generates the flashing frequency for the lights is called a turn signal relay. The turn signal relay usually has 3 terminals: B (positive power supply); E (negative power supply); L (providing the turn signal switch to distribute to the
lamp)
2.1.1. Circuit diagram
To generate the frequency for the turn signal, a turn signal relay is used in the turn signal circuit. The current from the turn signal relay will be sent to the turn signal switch assembly to distribute the current to the turn signal lights for the driver's purpose.
Figure 3.3. Schematic diagram of a turn signal circuit without a hazard switch
1. Battery; 2. Electric lock; 3. Turn signal relay; 4. Turn signal switch; 5. Turn signal lamp; 6. Turn signal lamp; 7. Hazard switch
Figure 3.4 Schematic diagram of turn signal circuit with hazard switch
1. Battery; 2. Combination switch cluster; 3. Turn signal;
4. Turn signal light; 5. Turn signal relay
Today's cars no longer use three-pin turn signal relays (B, L, E) but use eight-pin turn signal relays (figure 3.5) (pin number 8 is used for hazard lights).
For this type, the current supplying the turn signal lights is supplied directly from the turn signal relay to the lights.
div.maincontent .p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; } div.maincontent p { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; margin:0pt; } div.maincontent .s1 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13pt; } div.maincontent .s2 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; text-decoration: none; font-size: 14pt; } div.maincontent .s3 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; } div.maincontent .s4 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13pt; } div.maincontent .s5 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 13pt; vertical-align: 1pt; } div.maincontent .s6 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; } div.maincontent .s7 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; vertical-align: -9pt; } div.maincontent .s8 { color: black; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 11pt; } div.maincontent .s9 { color: #008000; font-family:"Times New Roman", serif; font-style: normal; font-weight: normal; text-decoration: none; font-size: 14pt; } div.maincontent .s10 { color: black; font-family:"Times New Roman", serif; font-style: italic; font-weight: normal; te
Source: Fubon Binh Duong Compensation Appraisal Department.
Analyzing the data table above we see:
The automobile physical damage insurance business has the highest compensation amount among all businesses, which is understandable because the automobile physical damage insurance business has the highest revenue among all businesses. While the premium revenue of the automobile physical damage insurance business increased by 1.28 times, the figure for automobile physical damage compensation expenses was 1.48 times; this shows the difference between the growth rate of revenue and the growth rate of compensation expenses of this business. This is the main business, but the compensation situation is not very positive, with an increasing trend in the number of compensation cases and the scale of each case.
Automobile TNDS insurance is a business with a high compensation amount.
rank
two of the operations
motor vehicle insurance. And the amount of compensation
This business is always larger than its total fee revenue. The above figures show that the business efficiency of this business is not high.
Motorbike traffic accident insurance, accident for driver and passenger, traffic accident exceeding the compulsory limit has a modest compensation amount, due to the nature of the compulsory service, the vehicle owner only buys it to deal with the authorities. Only when an accident occurs do they know that they have insurance in their pocket, therefore, in minor collisions, vehicle owners often negotiate and settle without informing the insurance company, but in serious accidents, the company only knows and
proceed with compensation. Therefore, in the coming time, we must organize propaganda
Let everyone understand: buying insurance is not mandatory but also has many other great meanings.
Accident insurance for drivers and passengers, compulsory excess liability insurance has insignificant compensation amount. Fubon Binh Duong is only responsible for compensation for vehicle physical damage insurance and a small number of auto liability insurance, while some other insurance lines are insignificant.
We continue to examine the company's main insurance business - vehicle physical damage insurance through the following table:
Table 2.4: Status of appraisal and compensation expenses at Fubon in the period 2012 - 2013
Year
2012 | 01/01/2013 => 07/03/2013 | |
Contract number | 891 | 628 |
Insurance fee (VND) | 3,189,915,361 | 648,907,560 |
Claim file number | 291 | 70 |
Compensation amount (VND) | 1,970,244,790 | 565,523,066 |
Frequency (%) | 32.66 | 11.15 |
Severity (VND) | 6,770,601 | 8,078,901 |





