Insurance should also consider the age Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Insurance magazine recently a number of often receive complaints from the public, often the first sentence is: "The insurance company deceived." But as we listened to, I discovered that a lot of people do not understand what they actually purchase insurance products: so long as there is to buy a Insurance all cases can be compensated. For example, only bought a dividend of travel insurance policy-holders to request an accident claim for the children to buy their children education, pension insurance, also called claims of illness ... ...

This lack of insurance knowledge and lead to unnecessary disputes that we should avoid.
Each bought insurance and will buy the insurance for all citizens should be aware of: insurance has its own timing. Increase with age, family development, and of its own insurance products, insurance rates should be adjusted accordingly. Responsible insurance agents will also grow as the customer's own design for a different insurance schemes.

Thus, buying insurance does not exist in one step, can not once and for all.
Current Insurance magazine will tell you four different ages of people to buy insurance, the true story of change for your reference, but also to remind you to always looking through the home insurance policy and understand their own coverage gaps in a timely manner compensate for the risk. If you are unsure in which the risk of their current environment, do not know what to buy insurance through fundweekly@163.com ask, we will employ insurance professionals to answer your questions.

Viewpoint insurers are frequently switched last week, took part in the opening ceremony of an insurance company had discovered this newly opened home insurance companies in more than half of middle-level officers and above all from the city to another insurance company, has been termed the presence of the industry the company's second. Although the insurance industry workers change jobs frequently heard so much about, but such a large-scale management of an insurance company from the same, this phenomenon is still cause for concern, of course, the market economy, the mobility of talents this justifiable, I believe that the movement of these persons also have to be through the normal way.

Shanghai Insurance Association, an elderly gave such an explanation, in recent years, the domestic insurance industry developed rapidly, the demand for talent is unprecedented, with the objective to change jobs for the insurers, provides a good platform for personal development, making a lot of insurers are hoping through this opportunity to upgrade themselves, prove their strength. From this perspective, the movement for the entire insurance industry, the rapid growth of talent has played a catalytic role.

It is understood that in Shanghai there are 25 life insurance companies, to the end of the year is estimated to reach 30 to 50 people per company back-office computing, the year of Shanghai's insurance market has created about 150 job-hopping opportunities. In the job-hopping staff, most of the posts have been upgrading the space to be expanded, it is probably the majority of those who dream of the results of job-hopping is also the temptation to jump ship lies. That opened on the company that has an executive, before another company had done a mid-level positions for several years, has not been the opportunity to upgrade, this has been hired as the new company-paid executives.

It is evident from the super-normal development of the insurance industry, insurance market, the rapid expansion of the insurance people quit objective reasons. However, the actual effect of view, not all those who are satisfied with the results of job-hopping, the author of a friend, an insurance company would have done well in good, but can not withstand the temptation of another company and obstinately determined to resignation quit their jobs because of corporate culture, management style differences, not only the short period of time doing nothing, but relationships also got very nervous, was forced to leave after six months, and now have not yet found a satisfactory location.

On the other hand, the insurance staff the consequences of frequent job-hopping may be a few happy some unhappy, when a favorable condition dug through talent, in the current insurance market, the case of limited human resources, inevitably there will be other companies loss of talent, jumping around, the whole rules of the game industry was destroyed. So some people come out to criticize such behavior, undermined the interests of others, challenging the principle of fair competition.

As we all know, insurance is a relatively specialized sector, the current domestic talents behind the development of the industry, but cultivate a talent to pay the corresponding costs of the training are concerned, of course, hope that he can very well for self-serving. However, those who do not think so by train, he felt as an individual talent to work hard for results, was dug is to be the industry agree that it is a sign of personal success, if this will happen, of course, no turning back, not to mention there are positions, remuneration, social status improved.

Although the temptation to switch to large, job-hopping of the justifications,人往高处�no one has the right to interfere. However, if large-scale switch to the whole industry is inevitable to occur feel insecure phenomenon, on the one hand the damage the industry rules of the game the other hand, disturb people's normal state of mind. Once everyone had put on the mind on the job-hopping, where there is temptation on the Wangnalizou, then few people can sink in mind to study the industry, research and development, research the market changes, study of response measures, large-scale job-hopping is a worry Hi, I am afraid that User Notes can be by the market.

Insurance and law to prosecute you before I come to the settlement of claims?
┿Man Pui Masaaki early December last year, the consumer association Consumer Association jointly announced the field of insurance, Zhejiang, unequal terms of format, Comments views.
In the opinion clearly states: loss of vehicle insurance, the insurance company unilaterally imposed the terms of first third-party claims is "King clause." And the general terms of a typical formulation is: insurance vehicle insurance liability occurred within the scope of the loss shall be liable to pay compensation by a third party, the insured person should provide third-party claims, if a third party not paid, the insured person to be litigation or arbitration.
The Comments on this opinion: the insurance after the accident, to fall within the responsibility of the insurance compensation for losses or pay insurance premiums, is the insurer's statutory obligations. Accident insurance, are third-party liability, the insured person may also request a third party compensation. Who choose to seek compensation is the insured's rights.

The provision limits the insured to obtain insurance directly from the insurer the right to compensation; the same time, compulsory insured litigation, adding to the insured person's responsibility. Under the "Contract Law," provides the terms format, the other party to increase the responsibility of the main right to exclude each other, and the clause is invalid.

For the views of the Consumer Association, the author is well aware that it does. Two years ago I encountered such a case ---
Mr. Wang, the insured cargo car, its driver was Mr. Zhang driving on the highway collided with a minibus, causing significant damage to two vehicles, two vehicle major accident casualties. The Public Security Traffic Management Department finds that: small passenger car drivers (since deceased), a negative full responsibility for the accident; Chang live up responsibility for the accident.
However, cars are private cars, the owner is also a car crash. Mr. Wang and the vehicle is damaged, the driver Mr. Zhang was hospitalized injuries, the loss is great.

Mr. Wang from the public security departments that deal with traffic accidents: the little bus driver just to drive a new car just a few days, no one had time on the insurance, it has been an accident, his family being the funeral, over a period of time to help you doing the mediation work . Mr. Wang about the side down, throwing his wife and children the accident the owner, at home shape, very miserable. Mr. Wang, whose consciences are moved, I think of their own freight car is insured cast, that is based on the compensation standards for third-party liability insurance to the insurance company claims.
First you have to prosecute to the claims that I?
But the insurance companies ask Wang to a third party (ie, the responsible party) claim, the claimant submitted to the court not to prosecute and the court placed on file, to raise insurance company writing compensation claims. To be consistent with these conditions, the insurer based on insurance terms and specific losses, in order to fulfill the obligation of reparation Mr. Xiang Wang.

Mr. Wang to the insurance company on several occasions that he met the special circumstances, patient negotiation, but to no avail. Then angrily, the insurance company to court. A result, the Court of First Instance judgments be thoroughly compensation insurance company. Reasons of the Court are: the insured person's vehicle occurred within a period of insurance loss, the insured person either to the perpetrator (third party) claims can be filed with the insurance claim. Insurance companies agree with the first instance decision, filed an appeal after the second instance court, after hearing sentence upheld the conviction.
That insurance company had refused to claims based on what is it? Originally issued by the insurance supervision and administration department of the unified "(2000), motor vehicle insurance policy," the twenty-second article states: "Insurance of vehicles undergoing fundamental insurance provisions set out in Article I of the losses within the insurance coverage shall be by a third party is responsible for amount of compensation, the insured person shall claim to a third party. If a third party shall be paid, the insured person to be sued by the court case, the insurance under the insured person to the written request for compensation shall be part of the insurance contract or full compensation for ... ... "

If you deal with claims in accordance with these provisions, like the case of this situation, third parties have been killed in the accident in the insurance, the insured person must claim their heirs, if the heirs exclusions, but also the insured person heirs sue. As the complexity of the proceedings and placed on file relevant materials required by the integrity of evidence, litigation, and placed on file for the lack of experience in this area were concerned, is a very troublesome thing. The insured person had to go to a lawyer to pay legal fees; court case, the insured person had to pay legal fees, the insured person in order to meet the terms of pass awarded the requirements of Article twenty-bound to spend a lot of time, energy and costs, and these costs insurance companies in accordance with the provisions of insurance policy is no obligation for compensation. Therefore, the case of third-party liability insurance, accident, the insured person to be such a torment, it violates the original intention of policyholders seeking insurance.

Is seeking the views of the "Supreme People's Court to hear insurance dispute cases on the interpretation of a number of issues (draft)" in the 29th article stipulates: "(the insured person's legal obligations to third parties) for third party insurance the damage caused by the underlying insurance, accident insurance can be insured in accordance with the agreed requirements of the third party first court. However, the insurance the insured person shall not bear liability insurance refused to prosecute. "

Case, the Court's ruling, the Consumer Association's Comments and the spirit of the Supreme Court is consistent, and related insurance companies in the future how to deal with similar cases, cause for concern.
(Shanghai United Law Firm lawyer Masaaki Tony Choi Ye)