Category: Insurance tips Release Date: 2006-08-01
Insurance policy is a complete content of the three stops for losses due to liability must also have the following three conditions: to be "insured person's own power supply, water supply, gas supply equipment" disaster losses caused by the accident ; must be "because the insurance within the responsibility of disasters and accidents (such as fire, explosion, lightning strike ... ... and so on) resulted in damaged equipment, causing power outages, water, stopping air" and a result of loss; insurer only for the above reasons , "resulting in the loss of insured property directly caused by" negative liability.
A city Caramel Frozen Food Co., a joint venture plant with gorgeous fabric printing and dyeing mill to buy equipment, common use of the power transformer, in a thunderstorm the night, due to lightning induced damage, resulting in a sudden blackout of the two plants, resulting in food freezing plants are under load operation of automatic equipment investment and material damage, while a longer time due to power outages, cold temperature inside; part of the frozen food out of losses. Weaving dyeing printing plant is functioning heat drying cylinder was forced to stop due to a sudden power failure transfer, drying tube was baked focus on the cloth. The two plants are all the property insured enterprise property insurance, accident insurance and property Next Morning, immediately notify the insurance company and in accordance with "Corporate Property Insurance Terms" on "the insured person's own power supply, water supply, gas supply equipment due to disasters or accidents listed in Article IV losses, causing power outages, water, and stopped the direct result of gas so that the insurance of property losses, but also liable to pay compensation "requirement, proposed compensation.
Insurance companies reported receiving notice immediately on-site survey, that the accident in full compliance with the above three conditions must also possess "the destruction of power transformers is a joint venture acquisition of two plants, should be for people in nature, equal ownership; this second accident was caused by lightning sensor, an insurance coverage; damage is the insurance of property machinery and equipment, in products and frozen foods. Thus, in the validation responsibility to verify the losses, and timely compensation.
However, not all three stops for losses resulting from, such as the electricity sector, power equipment, a problem; although the insured person's own power supply equipment, but not the disaster caused by the accident insurance coverage, but because of Other causes of the three stop losses are not an insurance liability is not responsible for compensation. If a bio-pharmaceutical enterprises to defend all the property investment and property insurance. One day, due to power supply input system failure caused by power outage, resulting in a cold store plant bio-products due to power outages and deterioration. Factory believe that this accident was a sudden blackout of the power plant three input system failure occurred, not the responsibility of the electricity sector, purely by accident, that compensation should be liability insurance. We know that the "accident" is a generic term, but within the scope of the insurance liability accident insurance policy is outlined in a particular accident, did not cover all the losses caused by accidents. Case blackout is due to power supply input system failure caused, not an insurance coverage does not meet the above three stops on the damages must have three conditions in the second condition "must be within the scope of insurance liability due to disasters or accidents caused by three stop loss. " Therefore, the case also does not pose a security responsibility, liable.
These two "three-stop" loss of case notes, insurance policy is a complete content, you must fully understand and correctly grasp. For the "three-stop" cases of damage caused to conduct an inquiry for a detailed analysis in order to be accurate and reasonable. (From; www.jilee.com)
