保险业源于西方,在其300多年的发展过程中,因为欧美诸国的发展进程以及国情不同,导致其保险理赔的方式呈现出不尽相同的特点。美国在美国,为了减少在纠纷中的直接冲突,早在20世纪40年代,在处理保险理赔案件的过程中,就形成了利用独立的第三方处理理赔案件的方法。以汽车 Insurance originated in the West. During its 300 years of development, due to the development process of European and American countries and the different national conditions, the insurance claims have different characteristics. The United States In the United States, in order to reduce direct conflicts in disputes, as early as the 1940s, in the process of handling insurance claims, a method of using independent third parties to handle claims was formed. Take the car