[China Glass Network] Q: Which date is the insurance coverage?
A: There are two dates on the policy, one is the date of departure and the other is the date of signing. Generally, the latter will prevail.
Q: What is insurance claim? What is the procedure?
Answer: Claims are the behaviors in which an equity person applies to the insurer after the occurrence of an insured event, and the insurance liability is recognized and paid according to the insurance clause. To put it simply, after the insurance was insured, an insurance accident occurred and the insurance company claimed. Claims are an extremely important part of the insurance business. They are the concentrated expression of the insurance compensation function. If the claims work is done well, it will enhance people's trust in the insurance company, and the insurance company's business will have greater development.
Claims have their strict procedures, and the case is checked. After receiving the insurance notice of the insured, the insurer will first file the case and number it, and send a special person to the scene to investigate and record the actual situation of the loss.
2. Review documents and review responsibilities. The insurer determines the liability for compensation through investigation and review of the documents. It mainly includes whether the insurance policy is valid, whether the documents provided by the insured are complete, whether the insured has insurable interest, whether it violates the principle of greater integrity (including notification, guarantee), whether the accident occurred within the insurance period. Whether the accident is an insurance accident covered in the policy, and whether there is a third party’s liability.
3. Accounting losses. Through the investigation, determine the size of the loss and the amount of compensation.
4. Loss processing. This is for property insurance, mainly for the use of residual materials.
5. The insurance company pays the indemnity.
6. The insurance company exercises the right of subrogation.
Q: The principles to be followed when claiming marine insurance claims: 1. The principle based on the marine insurance contract. After the occurrence of a marine accident, whether it is within the scope of insurance liability, whether it is within the insurance period, the amount of insurance compensation, the determination of the deductible, the responsibility of the insured, etc., are all determined according to the insurance contract.
2. Reasonable principles. When dealing with insurance compensation, the marine insurer should base on the insurance contract and pay attention to the principle of reasonableness, because the terms of the marine insurance contract cannot summarize all the situations.
3. Timely principles. The main function of marine insurance is to provide economic compensation. After an insurance accident occurs, the insurer shall promptly inspect, inspect, and determine the damage, and timely deliver the insurance compensation to the insured.
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