Category: Insurance tips Release Date: 2006-08-01
The first is located in the scope of the insurance of property or deposit account location of the insured person or by special agreement, and in the insurance policy contained the following property locations for insurance of property:
(A) the insured person for all, with others there were, on behalf of the custody or lease for residential housing and house decoration;
(B) the insured person house furniture, in addition to mobile phones and portable computers, home appliances, bedding, clothing
The second other property not listed above, not within the scope of the insured property.
Insurance liability property damage insurance, Article III:
(A) In the insurance within the time limit for the following causes of property damage insurance, the insurer is responsible for compensation:
1, fire, explosions; 2, lightning, typhoons, storms, heavy rain, tornadoes, floods, snow, hail, ice run, the ground suddenly collapsed; 3, in the air to run objects falling; 4, buildings or other fixed object collapsed.
(B) As insurance, property insurance, an accident occurred which led to the insured person can not live in rented housing required on a temporary rental costs occurred, the insurer is also responsible for compensation. Rental fee-based insurance, the maximum compensation limit of single-family property insurance amount of 10%. (Rental fee: One million per insured, compensation limit of 100 yuan a day; per household, such as Triple million more than the insured, the cost of compensation limit of RMB 300 per day), but the fees and compensation for property damage portion of the family the sum of in order to not exceed their insurance policies part of the family property, the total amount of insurance limit.
(C) the occurrence of insured accident, the insured person on the insurance of property to take the necessary rescue, protection measures reasonable costs incurred by the insurer to pay compensation. However, the maximum compensation limit of the cost of the amount of the insurance limit.
Article IV of the third party's financial liability:
(A) In the insurance period, the insured person's home to install the subsidiary objects, hold objects, suspender, pipelines, due to accidents caused by collapse, falling, falls, burst led to a third party bodily injury or property damage, the insured person and members of their families in accordance with our laws should bear the financial liability, the insurer to pay compensation. Definition:
Accident is unpredictable, as well as the insured person and their family members were not able to control and result in material damage or personal injury or death emergencies.
Members of the family refers to the legal existence of kinship and long-term residents with members.
A third party is the insured person and their family members, the family hired staff, temporary personnel other than the person.
(B) With the prior consent of the insurer's legal costs, the insurer is also responsible for compensation.
Indemnification Article V of the following causes property damage insurance, the insurer is not responsible for compensation:
(A) process properly, raw material defects, design errors caused by any loss; (b) Insurance of property bad, rotten, damp, insect bites, spontaneous combustion, natural wear and tear; (c) due to improper use of household appliances, super-voltage, short circuit, arc flowers, leakage, self-heating, or the intrinsic defects caused by damage to itself; (d) theft and burglary.
Article VI of the following causes of third party bodily injury or property damage, regardless of whether the law should be insured and their family members to bear the liability, the insurer is not responsible for compensation:
(A) the insured person and their family members directly to a third party bodily injury and property damage; (b) the insured person and their family members, a major fault; (c) the insured person and their family members, mental disorders . Article VII of the following causes of the third party insurance for property loss or financial liability, insurance per capita is not responsible for compensation:
(A) the insured person and their family members of the violations, intentional acts or domestic violence; (b) war, military operations, armed conflict, nuclear explosion, nuclear radiation and nuclear contamination; (3) Earthquake; (d) illegal structures building or facility equipment, dangerous building as well as illegal possession, possession of property.
Article VIII of the accident because the insurance claims arising from any of the spirit as well as other responsibilities do not belong within the scope of the insurance losses and expenses, the insurer is not responsible for compensation.
Insurance amount, compensation limit, the insurance period, Article IX of the insurance premium rate fixed insurance, there are two kinds of insurance policies, each of the maximum compensation limit of One million yuan, respectively, Ng million: one family's property insurance, the maximum amount of insurance compensation limit of 70%; pairs of third-party liability compensation for the economic limit of the maximum compensation insurance policy limits of 30%. The first section of this article (1), (b) of the two listed in the insurance and property insurance accounted for the amount of the amount of household property insurance 70% and 30%.
Per household can have multiple copies of the above-mentioned insurance policy, its sub-limit amount of insurance or compensation may be cumulative basis, the amount of compensation or compensation in order to limit the amount of total insurance limit.
Article duration of insurance cover for the insurance on the starting date specified in the insurance after the start of the year.
Article XI annual premium rate for 1 αΎ?
The obligations of Article XII of the insured life of the contract of insurance, insurance, addresses are subject to change, the insured person in writing to the insurer shall promptly apply for marking procedures.
Article XIII took place within the scope of insurance liability accident, the insured person should be actively rescue, as far as possible to reduce the losses to a minimum, while in a timely manner to the public security, fire and other departments and reporting, and immediately notify the insurer.
Article XIV of the insured to the insurer to provide various documents to prove that to be true and reliable.
Article XV of the insured person who does not perform to Article XII of the obligations provided for in Article XIV, the insurer the right to refuse compensation or from the date of written notice of termination of the insurance contract.
16th of the compensation insurance and property insurance, accident occurred, the insurer based on the actual damages, not to exceed the insurance amount or the amount of the insurance sub-limit.
Article XVII within the scope of insurance liability occurs on the third-party financial liability accident, without the written consent of the insurer, the insured person shall not be a unilateral commitment to compensation or direct compensation to a third party, or the insurer the right to refuse compensation insurance one should bear part of the compensation amount. Insurance mediation under the court ruling or the amount of compensation or the amount of compensation authorized insurer in the insurance policy required to be within the compensation limit for compensation.
18th of occurrence of insured accident, according to the law of compensation by the other responsible parties, the insured person should be the responsible party first claim. If an insured person a claim for compensation to the insurer, the insurer can follow the relevant provisions of this article, be thoroughly compensation, but the insured must recover the right of the responsible party will be transferred to the insurer, and to assist the insurer to recover the responsible party . Caused by the insured person to abandon the request of the responsible party the right to compensation, resulting in the loss of the insurer rights of subrogation recovery, the insurer assumes no liability or insurance compensation is reduced accordingly.
Article XIX has been insured to the insurer for compensation, the loss should be provided a list of the necessary invoices, documents and relevant evidence.
Diershitiao occurred within the scope of insurance liability loss, the insured person should be repaired as much as possible. Repair before the insured is required to repair in conjunction with the insurer to determine the repair project, manner or fees. Otherwise, the insurer have the right to re-assessment or refused to compensate.
Article XXI rescue property, contains the insurance contracts are not insurance, property insurance, property insurance contracts shall be the actual value of the proportion of the cost-sharing rescue.
Other matters Twenty-second Article of the insurance policy is responsible for damages, costs or liability, if have other insurance exists to protect the same, regardless of whether the insured person or another person on behalf of the insured, and regardless of whether or not the insurance compensation, insurance who is only responsible for pro-rata share of the responsibility for compensation.
23rd of the insurance in whole or in part of the loss of property suffered by the insurer for compensation after the amount of its insurance should be a corresponding reduction in the amount of additional insurance recovery should be in back premiums accordingly.
Article 24th if the insured requests for surrender, the insurance rate table in accordance with the short-term period that have been responsible for the collection of premium.
25th of the insured knew or should have known from the occurrence of insured event to the insurer within two years does not claim that, as a voluntary renunciation of rights and interests.
26th of the contract dispute resolution agreed upon by the parties choose one of two ways:
(A) occurred because of the discharge of this contract dispute settled through consultation by the parties, the consultation fails, XXXXX submitted to the arbitration committee for arbitration; (b) occurred because of the discharge of this contract dispute settled through consultation by the parties, the consultation fails, the people's court according to law prosecution.
