Category: Insurance tips Release Date: 2006-08-01
China Insurance Regulatory Commission on the 19th on the motor vehicle accident liability compulsory insurance (referred to as cross-strong insurance) insurance and claims matters related to the society are described.
CIRC said, to pay the insured or the insured person strong risk except in accordance with the terms agreed upon at the time of the accident compensation insurance, but also enjoy many rights, at the same time, it should be noted that some of the issues.
First, the insured may choose to engage with strong insurance business to pay qualified insurance companies, insurance companies can not refuse or delay. Currently 22 Chinese-funded property insurance companies are allowed to cross-strong insurance eligibility. Each motor vehicle only to pay the insured a strong risk. Insurance policies should be truthfully fill out and provide a copy of driving license and driver's license;
Strong insurance contracts entered into to pay the insurance company may compel the insured to make commercial insurance contract and to attach other conditions requirements. Insured should be a one to pay the full insurance premium to pay strong, nor shall the terms and rates of insurance, the other conditions to attach to the company's request;
Strong risk insurance company to pay does not relieve the contract (the insured failure to fulfill obligations to truthfully inform the exception). Strong cross-insurance contract expires, the insured should be timely renewal, and to provide the previous year's insurance policy.
Second, the insured vehicle road traffic accident occurs, the insurance company by the insured person to apply for compensation insurance. Insurance company shall receive the compensation the date of application a day, in writing inform the insured person will need to provide insurance and compensation-related certificates and information;
Insurance company shall receive the insured to provide proof of and information on the date five days to make as to whether the responsibility belongs to the insurance approved, and informed of the results have been insured. Right does not belong to insurance liabilities, it shall give reasons in writing. Belonging to the insurance liability, the insured person with indemnity insurance payments to reach an agreement within 10 days, compensation insurance.
CIRC also reminded, once the accident occurred, the insured shall promptly notify the insurance company, and actively assist the insurance companies on-site survey and accident investigation. Occurrence of insurance claims or proceedings relating to arbitration, the insured shall promptly notify the insurance company in writing.
In addition, not under any circumstances be able to advance by insurance companies to save costs. In fact, only some special cases only insurance company advances, such as the driver did not obtain a driver's qualifications or drunk, was looted during the insured motor vehicle accident, the insured person deliberately creating road traffic accidents, and advances the cost limit for 8,000 yuan. Cost of insurance for the advance of the rescue of people have the right to recover virulence.
