1. 他们对理赔的辨证认识、管理模式、服务，对通融赔款权的使用考虑、公估人制度以及成立保险索偿投诉局等多个方面都值得我们学习和借鉴。
Many of their practices are worth our attention and careful study such as their perception to claims settlement, management model, services and their application of " ex gratia payment ", their adjusters system and the establishment of insurance Claims Complaint Bureau.