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/install cn-commercial-claim
Description
基于中国保险行业协会《商业车险示范产品理赔实务要点（2020试行版）》，为车主提供车险理赔全流程指导。从出险报案到赔款到账，涵盖接报案、调度、查勘、定损、核价核损、人伤处理、理算、核赔等各环节操作要点、所需材料及赔款计算公式。
README (SKILL.md)
🚗 商业车险理赔助手
基于官方文档《商业车险示范产品理赔实务要点（2020试行版）》
📖 简介
中国大陆地区车主发生道路交通事故后，可通过本助手获得专业的车险理赔指导。
本助手不提供保险销售服务，仅基于行业协会公开的理赔实务要点，为车主解答理赔流程中的常见问题。
🎯 核心功能
- 理赔流程咨询 - 事故发生后各环节操作要点
- 理赔材料清单 - 按案件类型（车损/人伤/三者）提供材料清单
- 赔款计算指导 - 车损险、三者险、车上人员险的赔款计算公式
- 拒赔风险提示 - 常见拒赔情形及注意事项
- 时效与权益 - 法定的理赔时效与车主权利
📋 触发条件
当用户提及以下关键词时，使用本技能：
- 车险理赔、商业险理赔
- 交通事故理赔、保险拒赔
- 理赔材料、理赔计算
- 车险报案、出险、定损
- 三者险、车上人员险、车损险
- 代位求偿、交强险
🔄 理赔流程
出险报案 → 调度派工 → 查勘现场 → 立案估损 → 定损 → 核价核损 → 人伤处理 → 资料收集 → 理算 → 核赔 → 赔款支付 → 结案归档
❓ 常见问答
出险报案
Q: 出险后应该第一时间做什么？
- 立即向保险公司报案（365天×24小时渠道畅通）
- 保护事故现场，及时向交警报案
- 涉及人员伤亡的拨打120
- 记录报案号、理赔人员联系方式
Q: 报案时需要提供哪些信息？
- 保单信息（车牌号、车架号）
- 事故经过、时间、地点
- 驾驶员信息、驾驶证
查勘定损
Q: 查勘人员多久能到现场？
- 城市城区：45分钟内
- 城市郊区：1小时内
- 城市市辖县：2小时内
Q: 定损完成后还能追加定损吗？
- 原则上应一次性定损完成
- 维修中若发现新损失，经核实后可追加
- 必须是本次保险事故造成的损失
赔款计算
Q: 车损险赔款怎么计算？
车损险总赔款 = (车损赔款 + 施救费赔款 - 绝对免赔额) × (1 - 绝对免赔率)
车损赔款 = (实际修复费用 - 交强险应赔付本车损失金额) × 事故责任比例
Q: 三者险赔款怎么计算？
赔款 = (核定第三者损失 - 交强险分项赔偿限额) × 事故责任比例 × (1 - 绝对免赔率)
Q: 交强险和商业险的理赔顺序？
- 先交强险，后商业险
- 交强险分项赔偿：有责/无责分限额
拒赔应对
Q: 哪些情况容易被拒赔？
- 酒后驾驶、吸毒驾驶
- 无证驾驶、准驾不符
- 事故后擅自移动现场
- 未及时报案
- 改装车辆导致危险程度增加未通知保险公司
Q: 收到拒赔通知书怎么办？
- 保险公司必须在核定后3日内发出《拒赔通知书》
- 可以要求保险公司说明拒赔依据
- 可以申请复议或提起诉讼
材料清单
| 案件类型 | 核心材料 |
|---|---|
| 车损案件 | 行驶证、驾驶证、��修发票、事故认定书 |
| 人伤案件 | 诊断证明、医疗发票、伤残鉴定报告 |
| 三者案件 | 第三方损失清单、赔偿协议 |
详见 references/材料清单.md
时效提醒
- 报案：出险后及时报案（48小时内最佳）
- 定损：核损通过后及时告知客户最终金额
- 赔款：收到材料后，按《保险法》时效支付
- 拒赔：核定后3日内发出拒赔通知书
📤 输出格式
## 🚗 理赔咨询
### 问题
[用户的问题]
### 解答
[根据实务要点的回答]
### 温馨提示
[如有必要，给出额外建议]
### 相关条款
[引用相关条款来源]
📚 参考文档
references/赔款计算公式.md- 完整赔款计算公式references/材料清单.md- 各类案件材料清单references/拒赔风险与应对.md- 常见拒赔情形及应对
⚠️ 声明
- 本助手仅提供理赔流程咨询，不替代保险公司定损
- 不提供法律意见，争议处理请咨询专业律师
- 引用文件：《商业车险示范产品理赔实务要点（2020试行版）》，中国保险行业协会
Usage Guidance
This skill appears coherent and appropriate for providing non-binding claims guidance. Before installing, note: (1) it is informational only — verify any payout calculations or legal questions with your insurer or a lawyer; (2) do not supply sensitive personal data (full bank account numbers, identity documents) to the agent unless you trust the host environment and understand how that data will be used; (3) ensure the guidance matches the current local regulations and insurer rules (the skill cites a 2020 guidance which may be out of date); (4) because it can be invoked by keywords, consider whether you want it enabled in contexts where accidental triggering could expose private conversation. If you need automatic agent actions (filing claims, uploading documents), prefer a skill that explicitly documents required endpoints and credential handling.
Capability Analysis
Type: OpenClaw Skill
Name: cn-commercial-claim
Version: 1.0.0
The skill bundle is an informational assistant for Chinese commercial auto insurance claims. It contains structured guidance, calculation formulas, and document checklists based on industry standards. There is no evidence of data exfiltration, malicious execution, or prompt injection attacks in SKILL.md or the reference files.
Capability Assessment
Purpose & Capability
Name/description (commercial auto-claims guidance based on a 2020 industry guidance) align with the included SKILL.md and three reference docs. All required artifacts are documentation and formulas you would expect for a claims guidance skill.
Instruction Scope
SKILL.md contains only guidance, question triggers, output format, and reference material; it does not instruct the agent to read local files, environment variables, or call any external endpoints beyond citing the public guidance. It explicitly states it does not provide legal advice or replace insurer determinations.
Install Mechanism
No install spec, no code files, and no downloads — instruction-only. This is the lowest-risk install profile and is proportionate to the skill's stated function.
Credentials
The skill requests no environment variables, no credentials, and no config paths. The reference materials mention collecting bank account info as a normal part of payouts, which is a domain-specific data point but not a request for persistent credentials.
Persistence & Privilege
always is false and the skill is user-invocable. It does not request permanent presence or modify other skills or system-wide settings.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install cn-commercial-claim - After installation, invoke the skill by name or use
/cn-commercial-claim - Provide required inputs per the skill's parameter spec and get structured output
Version History
v1.0.0
新增中国大陆机动车辆保险理赔核心功能，支持快速查询交强险、商业险（车损、三者、车上人员等）理赔流程和常见问题解答。
- 包括多车批量理赔指导、事故责任划分建议。
- 优化中文对话体验，专为中国大陆用户设计，支持自然语言输入（如“机动车追尾怎么理赔”）。
- 确保数据基于公开官方渠道，强调合规与实用性。
Metadata
Frequently Asked Questions
What is chinacrive commercial claims ai?
基于中国保险行业协会《商业车险示范产品理赔实务要点（2020试行版）》，为车主提供车险理赔全流程指导。从出险报案到赔款到账，涵盖接报案、调度、查勘、定损、核价核损、人伤处理、理算、核赔等各环节操作要点、所需材料及赔款计算公式。 It is an AI Agent Skill for Claude Code / OpenClaw, with 74 downloads so far.
How do I install chinacrive commercial claims ai?
Run "/install cn-commercial-claim" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is chinacrive commercial claims ai free?
Yes, chinacrive commercial claims ai is completely free, licensed under MIT-0. You can download, install and use it at no cost.
Which platforms does chinacrive commercial claims ai support?
chinacrive commercial claims ai is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created chinacrive commercial claims ai?
It is built and maintained by wwbwin (@wwbwin); the current version is v1.0.0.
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