Key points of claim settlement

Point 1: Define the insurance liability.

An insurance policy is a contract and is legally binding. Generally, the back of the insurance policy will clearly print which disasters and accidents belong to the insurance liability and which do not. If the loss of the insured property caused by disasters or accidents after the insured is insured belongs to the insurance liability, you can claim compensation from the insurance company; Otherwise, no compensation can be made. For example, an applicant has insured his apartment building with family property insurance. Because he violated the relevant regulations of urban housing construction in the decoration, the housing management department required him to restore the demolished housing structure according to law, which naturally lost economic expenses. The insured mistakenly thinks that he can claim for compensation if he is insured, and reports the case to the insurance company for compensation. Insurance employees patiently explain insurance responsibilities one by one. The insured knows that personal decoration and destruction of the house are not insurance liability, and the bitter wine brewed by himself is only for himself.

There are many types of insurance, such as motor vehicle insurance and family property insurance. Besides the basic insurance, there are additional risks. For example, in addition to basic risks such as vehicle loss insurance and third party liability insurance, motor vehicle insurance also includes additional risks such as separate glass breakage insurance, vehicle liability insurance, auto theft insurance, spontaneous combustion loss insurance, no-fault liability insurance and vehicle cargo drop liability insurance. In addition to the basic insurance, the additional risks of family property insurance include family pipeline rupture and W.P.A. insurance, household appliance safety insurance, cash jewelry theft insurance, computer hardware loss insurance, household gas appliance liability insurance, bicycle third party liability insurance, family compensation liability insurance and family safety insurance, covering many aspects of family life.

Since both basic insurance and additional insurance have their own insurance responsibilities, the insured must confirm whether the insurance is within your insurance coverage when claiming. More specifically, you can get compensation only if disasters and accidents are covered by your insurance. Therefore, the insured should choose a good type of insurance when applying for insurance, so as to get reliable protection in the future.

The third point: understand insurance knowledge.

An insurance policy is a contract that bears the responsibility of protecting property. The insured shall keep the insurance policy properly. As the insured, it is necessary to know the relevant insurance knowledge, such as the insurance period, the contents of the insured property, the scope of insurance compensation, the relationship between the insured amount and the actual compensation amount, how to move during the family property insurance, how to go through the formalities for changing the address, and who owns the rights and interests of the insured property recovered after compensation. Only by "knowing why, knowing why better" can we better safeguard our legitimate rights and interests in the face of danger, otherwise it will not only waste manpower and material resources, but also make jokes.

The fourth point: understand the compensation procedure.

Insurance claim settlement is the most obvious feature that embodies the function of insurance economic compensation. Many units and individuals only take out insurance after seeing others get scientific, timely and reasonable compensation. However, insurance claims must go through necessary procedures, perform necessary procedures in accordance with relevant regulations, and provide necessary documents, which are indispensable. Like motor vehicle insurance, after an accident, the insured should immediately report the accident to the insurance company, truthfully reflect the accident situation, fill in the accident report, and assist the insurance company in exploring the accident site. After the public security traffic control department closes the case, the insured should also provide insurance policy, accident liability confirmation, accident mediation, judgment, loss list and related expense documents when handling claims, so that the insurance company can make compensation according to regulations.