Dalian man died in a car accident three days after being insured. Why do insurance companies fight back without losing money?

A man in Dalian died in a car accident three days after being insured. For this man's insurance policy, the insurance company presented a notice of refusal to pay compensation to the relevant beneficiary, clearly informing the other party that the insurance company would not pay compensation. Under normal circumstances, insurance companies have to pay. The reason why insurance companies don't pay claims is because after verification by many parties, it is found that the other party is suspected of fraudulent insurance.

The specific cause and effect is this: a man in Dalian bought an insurance policy three days before his death, and he died in a traffic accident in the first year of insurance, and the insurance company paid 500,000 yuan. Unfortunately, on the third day after buying insurance, the man died because his car hit the pier. So the beneficiary of the policy, the man's daughter, filed a claim with the insurance company.

After receiving the beneficiary's claim, the insurance company will start the procedure to make the claim. However, in this process, many doubts have been found. For example, when buying an insurance policy, the insurance company asks the man if he has bought insurance from other insurance companies. The man said no, but the fact is that the man was insured by a number of insurance companies for more than half a month, and the insured amount was as high as more than 7 million yuan. For example, the man has a history of drug abuse, but he didn't tell the truth.

According to its own investigation results, the insurance company finally made a decision to refuse compensation and showed the notice of refusal to pay compensation to the beneficiary. The beneficiary refused to accept it and sued the court. The court ruled that the insurance company must pay compensation. The insurance company refused to accept the results of the first instance and continued to appeal. As a result of the second instance, the insurance company does not need to pay for the cancellation of the first instance judgment.

Any industry has its own rules of the game. In the insurance industry, there are rules of the insurance industry. For the policies within the rules, the insurance company will pay, but it will not pay. But for insurance companies, insurance companies will not pay for policies that are not within the rules, nor will they resolutely pay. Like this thing above.

An insurance company is an enterprise. Enterprises are in pursuit of profit. For insurance companies, a no-loss policy is the best, which means more profits. Therefore, for insurance companies, as long as the insured violates the insurance contract, or the insured violates the insurance no-loss clause, the insurance company will refuse to pay compensation.

As an applicant, we must clearly understand the nature of insurance companies and the rules of the insurance industry. Only in this way, when you apply for insurance, you will not violate the rules of the game and insurance clauses of this industry. Unfortunately, the settlement will be smoother.