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Data:2009-12-12 2:34
If the claim was justified, one should first insurance company a statement of fact, and strive to reach a compensation agreement; if discussions fail, then the complaint to the CIRC; if still unresolved, can be resolved through legal means, which is three ways to resolve claims disputes .
"Into the insurance claims easier to hard" is insured on the evaluation of individual insurers, the insured when the insurance marketing staff to hype their products right, but really had the time claims are very difficult, sometimes to the order to settle the litigation point.
By chance, Ms. Sun met by the insurance company's insurance agents Tianmou in Tianmou referral under Ms. Sun for his daughter handled the nature of a life insurance dividends. Since then, the door for insurance renewals Tianmou learned that Ms Lau's daughter, who lived in hospital suffering from bronchial pneumonia, we strongly recommend a children's accident and hospitalization insurance paid, Miss Yu Shisun has handled a such insurance. Insured year later, Ms. Sun's daughter was hospitalized with pneumonia, in that an agent has resigned Tianmou circumstances, Ms. Sun Bian Jiang corresponding directly to the insurance claim information. Can insurance companies in settlement of claims, they were surprised to find the beneficiaries of the insured before the insurance by claiming pneumonia and stayed in hospital, so the insurance company issued a "Notice of changes to the contract," Ms. Sun does not accept the insurance company to change the contract requirements, insurance company then issued a "revocation of the insurance contract" notice.
Is obvious that the insurance company salesman insured under the guidance documents on the procedures required when the other party claims it unilaterally canceled the contract. In desperation, Ms. Sun had to help law firms. Counsel held that after an investigation, which is a malicious exclusions insurance companies as insurance agents deliberately induced, which leads to the related responsibilities, so it should be paid to policyholders by insurance companies after the first, and then recourse agents by insurance companies责任. Subsequently, counsel to the insurance company issued a "letter addressed to the Insurance Companies Law," and their customer service department and claims department to intervene. In the absence of consensus, a solicitor on behalf of the China Insurance Regulatory Commission submitted a complaint letter, and actively collect evidence for litigation reserves.
CIRC by the insurance companies and agents face to face verification, found that insurance agents Tianmou deliberately inducing the insured is the case, ordered insurance companies to re-identify the insurance. Ms. Sun ultimately rely on legal means of compensation should be made to safeguard their own legitimate rights and interests.
Counsel to remind everyone that we should not be encountered in insurance claims disputes, insurance company's word to listen to, if the claim was justified, one should first insurance company a statement of fact, and strive to reach a compensation agreement; if discussions fail, then the complaint to the CIRC; if still not be resolved, you can through legal means. This is the three ways to resolve claims disputes.
