Category: Insurance tips Release Date: 2006-08-01
1, why insurance is an effective means of risk transfer?
First, after the occurrence of the loss can be financial compensation. Insurance is a kind of economic security activity, the insured to pay premiums, and insurance enter into insurance contracts, insurers bear the risk;
Second, it could be risk management services, insurance people to take risks, the use of their own risk-management experience, with the help of society the power to serve the insured to provide Loss Prevention services, reduce accidents;
Third, high security insurance, insurance is a legal contractual relationship, it is based on mathematical calculation of operational risk, avoiding the blindness, to maximize the protection of the insured's economic interests.
2 What is the insurer? insurers, also known as the insurer is carrying on insurance business and the insurance premiums charged by insurance after the accident the person responsible for payment of insurance, to corporate business based, often referred to as insurance companies.
3, what is insured?
insured is insurable subject has an insurable interest, to the insurer for insurance contracts entered into and to bear the delivery of premium obligations. The insured may be natural, it can be legal. When the insured for their own benefit insurance, and the insurer accepted the insurance, the insured into the insured.
4, what is the insured person? insured person is subject to insurance contracts to protect people. Will use their property, life or body for the insurance subject, in the insurance after the accident, enjoy insurance claim. The insured with the insured for the same person.
5, what is the subject matter of insurance?
insurance, insurance coverage is the subject of the goals and entities, refer to the insurance contract rights and obligations of both parties by pointing to the object. Insurance may be the subject of property, and property-related interests or responsibilities can also be a person's life or body.
6 What is the insurance amount? insurance amount, referred to as "insured" is the monetary value of the performance of the insurance benefits, is insured, when the subject determined by the amount of the insurance, but also the insurance premiums were accrued income receipts and payments assume responsibility for the ceiling.
7, insurance, rights and obligations of the parties, what is?
based on China's "Insurance Law" stipulates that property insurance policyholders in insurance contracts have the obligation to pay insurance premiums to maintain insurance, the obligations of the underlying security, insurance and the underlying obligation to notify the increased level of risk and prevent or reduce the loss of Deng Xiang obligations. The insurers have to pay the corresponding compensation insurance obligations and other special duties, such as payment of rescue fees and court costs obligations. , Such as insurance side a breach of its obligations, then the other party has the right to take corresponding measures, such as premiums increase, suspension or solution of risk insurance contracts.
8, the insurance, "proximate cause principle" Proximate cause, is the subject-matter insured losses caused by the most direct, the most influential reason, it is because the effect occurs on the judge rather than from time to judge. Reasons that caused the loss of two or more, and the causal relationship between various reasons, and its first occurrence and cause of the accident shall be caused by a series of proximate cause. Directly from the insurance companies underwriting the risk of any loss arising from all liability; for non-directly from the underwriting risk of any loss arising are liable.
9, enterprises which can protect the property
Enterprises have a lot of property, but not all insurance business property insurance can be used as the subject of the following:
a. all or part of the enterprise itself and the other by the enterprise, there were the physical custody of property;
b. by the business management or custody of tangible property for another person;
c. other legally recognized interests in financial and business relations between the tangible property.
10, the basic relationship between the insurance and additional insurance
Basic insurance is individually underwritten insurance and other insurance. The additional insurance is underwritten alone can not insured and other insurance, the insured can only be basic insurance coverage on the basis of additional insurance coverage.
If the additional risks to the terms and provisions conflict with the basic insurance, so consistent interpretation of such terms and conditions with additional risk; if not specified in terms of additional risk, places the basic insurance provisions shall prevail.
11, not full insurance Insurance amount is less than the real value of the property insurance. Of its less than the sum insured should be considered as part of the insured to protect themselves in the event of losses, the real value of the property insurance company and insurance according to the ratio of the amount of paid losses.
12, Chuxian after the insured person what to do? Actively subjected to property insurance, accident rescue, and immediately notify the police, fire and other departments for assistance in rescue, and strive to put the loss down to the minimum.
Orally or by telephone promptly notify the insurance company, to report security incidents, and provide the policy number, name, address, Chuxian causes and losses.
To help insurance companies or other agencies to investigate the accident and fixed loss, determine the cause of the accident, liability and loss of the amount of size.
Not suffered a total loss of the property to repair or sell at a discount.
Complete the claim application, together with the policy required proof of the incident together with a list of materials and the loss to the insurance company to the insurance company to seek compensation.
13, it should be in what period of time claims There is a period of insurance claims, life insurance claim limitation of five years, compared with non-life insurance for two years, but there are some insurance claims for one year.
