The survey and loss determination of insurance claims are divided into two tasks. \x0d\ Reconnaissance is the investigation of the accident site, and the on-site investigation of auto insurance is mainly to verify the on-site situation of the subject matter of the accident, mainly including the following contents: verifying whether the vehicle driving license with the license plate and frame number of the subject matter is valid, whether the vehicle with the use nature of the subject matter in the accident is loaded with the standard subject matter in the accident, and whether the subject matter and accident losses of the three are preliminarily determined. Verify the driver's license of the accident party, verify the mental state of the accident party, verify the information of the main car and other personnel in the three cars at the time of the accident, verify the cause of the accident and the degree of the accident fault of the main party, initially determine the insurance liability, and mainly complete the survey task in the form of on-site photos, on-site measurements and on-site transcripts of the parties. \x0d\ Fixed loss refers to the determination of the specific cost of repairing or replacing the parts of the vehicle damaged by the accident in order to restore it to its pre-accident use state, which is also called fixed loss. \x0d\ Insurance claim requirements are as follows: site investigation requires technical loss determination, and artistic quotation and loss verification requirements count. Specific post understanding depends on individuals and cases.