How to negotiate with the insurance company after loan compensation?

Can China People's Insurance Company negotiate repayment?

Repayment cannot be negotiated after insurance compensation. The borrower needs to pay all the penalty interest, liquidated damages and other expenses shown on the credit information in one lump sum, and the money will be directly transferred to the account designated by the insurance company. Insurance compensation means that the insurance company pays the repayment for the debtor. After insurance compensation, the institution owed by the borrower becomes an insurance company. But this does not mean that there is no need to repay the arrears, but it means that the debtor needs to repay all the arrears at one time.

Insurance subrogation right

The right of insurance subrogation is a basic system in the insurance law, and its purpose is to provide double protection for the insured to ensure that the insured's losses can be fully compensated. At the same time, the insured will not benefit excessively because of insurance payment.

Insurance subrogation, also known as insurance subrogation, refers to the insurer's right to subrogate to the third party responsible for the damage caused by the insured. "The right of insurance subrogation is a kind of creditor's rights transfer system recognized by insurance laws of various countries based on the principle of insurable interest to prevent the insured from obtaining double interests." It is generally believed that the essence of insurance subrogation is the concrete application of civil subrogation system in the field of insurance law.

Loan guarantee insurance simply means that a loan bank or financial institution finds an insurance company as an intermediate guarantor in order to prevent the lender from not paying back the money. If the borrower fails to pay back the money within the time limit (usually 1-3 months), the insurance company will repay the money, and the lender has no loss, and the risk will be borne by the insurance company. The corresponding insurance company becomes the creditor of the borrower, and the repayment object of the lender becomes the insurance company.

How to negotiate repayment of PICC P&C insurance in Guangdong?

Apply to the loan Commissioner for repayment negotiation. After the People's Insurance Company of China made compensation, the user took the initiative to call the insurance company's customer service hotline, transferred it to the loan commissioner, and then applied to the loan commissioner for repayment negotiation. When applying, you must explain the reasons for overdue repayment and show the loan Commissioner that you have a strong willingness to repay.

Can I negotiate repayment after insurance compensation?

When an insurance company or guarantee company initiates recovery, it will adopt the principle of combining rigidity and flexibility. The repayment amount is generally non-negotiable, and the repayment time and method can generally be negotiated. Recovery refers to the insurer's claim for compensation from the responsible party outside the case after making compensation for the losses caused by the insurance accident. Several common recovery methods of insurance companies or guarantee companies require borrowers to repay in one lump sum; Require the borrower to repay in one lump sum through legal means; If the borrower's repayment ability is insufficient, he can repay the loan by installments or postpone the repayment.

Measures for the administration of compensation and recovery of guarantee business

Rule number one At the time of compensation, the company shall perform the guarantee responsibility in strict accordance with the cooperation agreement with the loan bank. Before the actual payment, the relevant responsible departments and personnel should fully carry out the risk mitigation work.

Rule number two Principle of risk disposal of compensation project

First, adopt the principle of bank support. Regardless of whether the risk-related projects are overdue or compensatory, it is necessary to strengthen information communication with banks, strive for their support and understanding, and make full use of their advantages to resolve risks, such as collecting loans in advance, freezing settlement accounts, and going to court in advance.

Second, the principle of combining rigidity with softness. Take corresponding measures according to the customer's business situation, cooperation degree and risk severity, and combine litigation recovery with non-litigation recovery.

Third, the principle of unity of efficiency and benefit. In order to reduce the loss of guarantee compensation, we should pay attention to the analysis of recovery cost and income. Generally, specialized personnel are mainly responsible for recovery and litigation, but for projects with complex creditor-debtor relationship, many legal disputes and difficult recovery, external lawyers can be used as risk agents.

Fourth, the principle of flexible and quick response. Form a regular and irregular risk reporting system, with smooth information from top to bottom, rapid decision-making, and a key to open a lock, paying attention to capturing the powerful opportunity to resolve risks.

5. Principle of confidentiality. A strict custody system shall be established for the data of risk-related projects, and relevant information shall not be disclosed, leaked or disseminated.

Rule three. Accident analysis and risk disposal investigation

First, risk-related projects, regardless of whether the project is in the stages of overdue collection, compensation, non-litigation recovery and litigation recovery. , the first responsible person, must be serious and responsible, and cooperate, implement and promote risk resolution according to the deployment of risk management, debt recovery and other competent departments.

Second, the disposal investigation includes:

(1) Legal documents such as guarantee and counter-guarantee. Check whether the signed contract is complete, whether the method is correct, whether the signing of legal documents conforms to the relevant national laws and regulations, and whether the mortgage (pledge) registration is within the time limit. If a legal document is found to be invalid or invalid, the inspector shall report it immediately.

(2) Assess customers and collateral. By consulting customer files such as project review report, post-warranty inspection report and financial statements, we can understand the historical relationship and credit status of customers and master the basic situation of their operation and financial status. Consult a professional appraiser for information about the mortgaged (pledged) property, including the obligee, the realization limit of the mortgaged (pledged) property, the realization market value, etc.

(3) On-site verification. Conduct in-depth field investigation according to the reflected information.

How to deal with the late compensatory loan?

The loan has been compensated and the user needs to pay it off. Compensation means that after the user loans overdue, the insurance company or the third-party company will return the overdue arrears to the lending institution, so that subsequent users need to return this part of the money to the insurance company or the third-party company. Since the essence of compensation is that the user is overdue, it is still necessary to pay off the overdue arrears in the follow-up.

Otherwise, the payment records will always be kept in the credit information. According to the analysis of the serious situation, the payment records and overdue records are serious, and there are payment records in the credit information. Before the record is deleted, you will not be able to apply for any credit business for credit inquiry.

What will happen if the applicant's online loan is compensated?

1. The borrower actually bears higher loan interest. Although the annualized interest rate stated in the loan contract does not exceed 24%, if the loan principal is used, the sum of management fees, interest, liquidated damages and other expenses far exceeds the annual interest rate of 24% and even reaches 70%.

At the same time, there is also a process of suspected violent collection. The compensation platform will urge the borrower to repay by phone or SMS bombing, which includes personal threats. At the same time, the penalty is very high, which may be 1% per day.

2. The borrower's loan is in doubt. Most of the loan content is installment consumption, which is actually the fact that cash is obtained and there is no consumption. At the same time, if you borrow 5,000 yuan, after deducting the management fees charged by relevant personnel and companies, you can only get 3,000 yuan in the end, and you have to pay 5,000 yuan or more.

3. Some compensation companies only provide the compensation statement issued by the online loan company to file a lawsuit to prove that they have repaid the money on behalf of the defendant. Although the compensation statement is stamped with the company seal, its authenticity cannot be verified.

4. The judging standards in Fiona Fang are not uniform. In the online judgment of judgment documents, the judgment standards are different. Some courts think that the loan principal is the commodity price, while others think that the loan principal is the commodity price plus management fee. Some courts all supported the plaintiff's claim, and some courts held that the sum of management fees, interest and liquidated damages exceeded the annual interest rate of 24%.

5. When the borrower is overdue, the platform that may lend you money may not have the right to report the credit information, but it can be reflected in the credit information through compensation, which will damage the borrower's credit qualification and thus enter the credit information blacklist.

If the borrower wants to erase this record, he needs to contact the insurance or guarantee company that compensated you to complete the payment, otherwise it will always be a credit black account.