There are types of insurance that do not consider whether the insurance is fully insured when making

Insurance Benefits. It refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

Article 12 of the Insurance Law stipulates that the person is covered by the collapse of the body.

The policyholder shall have the interest of insurance registration to the insured when the insurance contract is concluded. The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Among the following types of insurance, the insurance may not have an insurance interest at the time of insurance, but the insured must have a large interest in the insurance subject matter at the time of the insured accident is (). Branches seep wildly.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

How to pay for undercover insurance.

First of all, you should consider what type of insurance you are insured, for example, home property insurance generally adopts the first hazard compensation method, even if there is a proportion of the insurance at the time of insurance, it is not large, but the compensation amount does not exceed this amount of insurance.

If it is key old car insurance and enterprise property insurance, it is to use the proportional compensation method: loss amount * (insurance amount property value draft increase (or new car purchase price)) = compensation amount.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Both types of insurance only apply to property insurance contracts:

1. The insufficient insurance contract refers to the contract where the insured amount is lower than the insured value, and the insurer shall not be liable for the part of the loss beyond the insured amount. If the value of the vehicle is 100,000 yuan, when you insure the insurance, you say that you only insure the amount of 50,000 yuan, this is insufficient insurance, that is, the insured amount is determined by the value lower than the insurance object, in this case, the insurance compensation is compensated in the proportion of the insured amount and the actual value.

2. Excess insurance is commonly said to be repeated insurance, the same 100,000 car, you with a limit of 200,000, in two insurance companies at the same time to insure car insurance, the final two insurance companies can only pay according to the average ratio of the two, or with a limit of 140,000 in one company, the final vehicle insurance company according to the amount of 100,000 compensation.

Both underinsured and overinsured will affect insurance claims, so it is better to get out of insurance as normal.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. Hello, because the salesperson did not give you a detailed explanation, there will be what you said when selling according to the insured amount, and when the claim is settled, it will be paid proportionally. The insurance critical illness insurance contract is now divided into more details, there are light, moderate and severe three levels of compensation, light and moderate degree is paid according to the proportion of the insured amount, the contract continues to be valid, generally critical illness will pay the sum insured, but the contract will be terminated, and the protection will end with the end of the <>

When you buy insurance, it is said that it will be paid according to the total amount, and when you make a claim, it will be paid according to a certain item.

Hello, because the salesperson did not give you a detailed explanation, there will be a time when you say that the sales of the cavity will be based on the insured amount, and the claim will be paid proportionally. The insurance critical illness insurance contract is now divided into more details, there are light, medium and severe three degrees of compensation, light and moderate are paid according to the proportion of the insured amount, the contract continues to be valid, generally critical illness will pay the sum insured, but the contract will terminate the loss of the shirt, and the protection will end with the end of the <>

If Wang Bi has evidence to prove that the salesperson is involved in misleading sales, you can directly call the customer service of the insurance company to ask for a refund, but it is recommended that you leave the contract for the insurance file, after all, the protection continues to be effective, and if the agreed critical illness occurs, the insurance company will pay <> of the sum insured

The insured does not have the interest of the insured Sail Insurance, and the insurance contract is invalid. Liang Cheng sued Article 48 of the Insurance Law that if the insured does not have an insurance interest in the subject matter of the insurance at the time of the occurrence of an insured event, he shall not claim compensation from the insurer. Article 12 The policyholder of life insurance shall have an insurance interest in the insured at the time of the conclusion of the insurance contract.

1. Causes of insufficient insurance.

A deficiency insurance contract is an insurance contract in which the insured amount is less than the insured value. There are three main reasons for the occurrence of a deficiency insurance contract:

1. The policyholder insures part of the value of the subject matter of the insurance based on its own intention or based on the agreement of the parties to the insurance contract. In the former, if the policyholder voluntarily bears part of the danger by himself in order to save insurance premiums or does not think that Zhichun has the ability to bear part of the loss. The latter, if in the case of coinsurance, retains part of the insurance at the request of the insurer;

2. Insufficient insurance caused by the policyholder not correctly estimating the value of the subject matter of the insurance;

3. After the conclusion of the insurance contract, the insufficient insurance due to the market **** of the subject matter of the insurance. Since the insured amount stipulated in the deficiency insurance contract is lower than the insured value, the dangerous policyholder of the shortfall part is not transferred to the insurer, and the shortfall part shall be deemed to be self-insured by the policyholder. In the event of a total loss, the insurer shall pay the insurance money according to the agreed insurance amount; When a partial loss occurs, the principle of proportional apportionment is usually applied, that is, the insurer and the insured share the loss in proportion.

In countries such as the United Kingdom and the United States, the first risk compensation method is mostly adopted, that is, the insurer first pays compensation within the limit of the insured amount, and if the actual loss exceeds the insured amount, the insured shall bear the excess part.

2. What is the payment method of deficiency insurance?

In a deficiency insurance contract, there are two ways for the insurer to pay for within

The first is the proportional compensation method, that is, the compensation is calculated according to the ratio of the insured amount to the value of the property;

The second is the first way of compensation for danger, that is, regardless of the ratio of the insured amount to the actual value, within the limit of the insured amount, according to the actual loss. These two types of compensation are agreed upon by both parties according to the different types of insurance contracts.

3. Precautions for insufficient insurance compensation.

When taking out property insurance, the policyholder should try to preserve the sufficiency. Preservation, which refers to the selection of appropriate additional insurance according to the needs while applying for the main insurance; Sufficient protection refers to the determination of a considerable amount of insurance based on the actual value of the property.

In addition, if the insurer still does not clearly stipulate the compensation method in the terms or special contract of the contract, then it is best to take the initiative to make relevant agreements with the other party when signing the insurance contract, so as to avoid unnecessary disputes.