How to calculate the insurance indemnity 20, how to calculate the insurance indemnity

Insurance Indemnity Loss Amount (Insured Amount Actual Value of Insured Property at the Time of Insurance) = Loss Amount * Bid Ratio.

The proportional compensation method is based on the ratio of the insured amount of the insured property to the insured value of the insurance to make the insurance compensation, and the partial loss compensation of the insufficient insurance in the indefinite value insurance can be calculated by hand, and the calculation formula is:

Indemnity = Loss Amount (Insured Amount Insured Value) (Insured Amount Insured Value).

The proportional compensation method can also be used to calculate the degree of loss of part of the loss in the fixed value insurance, and accordingly calculate the compensation amount of the fixed value insurance, the calculation formula is:

Indemnity = Insured Amount Degree of loss.

Degree of loss (local intact market value at the time of occurrence - residual value) local intact market value at the time of occurrence] * 100%.

The compensation method links the actual value of the insurance target with the insured amount, and if the determined insured amount is lower than the actual value of the insurance target, the compensation can only be obtained on a pro rata basis. Therefore, the proportional compensation method is generally used for some movable property insurance with large changes in market price or property insurance of some enterprises.

In principle, the claim payment can be assessed for all losses suffered by you in the insured event, and the assessment results will be calculated.

If the assessment results are not recognized, they may sue the court, and the court will separately entrust the assessment.

As for the claims that the insurance company itself tells you that the results are their claims, if they do not match the assessment results, you can sue for compensation.

Depending on whether the amount of compensation payable by the insured is higher than the compensation limit, the insurance company's compensation is calculated in two ways:

1. When the amount of compensation payable by the insured is higher than the compensation limit:

Indemnity = Compensation Limit (1 - Accident Liability Waiver) (1 - Absolute Waiver).

2. When the amount of compensation payable by the insured is equal to or lower than the compensation limit:

Indemnity = Liability Limit (1 - Accident Liability Waiver) (1 - Absolute Waiver).

The amount of compensation payable by the insured shall be the part of the economic compensation liability that should be borne by the insured according to law for the personal or property damage of the third party and the part above the sub-limit of the compulsory traffic insurance, multiplied by the proportion of accident liability.

Finally, note that the loss of a road traffic accident is intentionally caused by the victim and the insurance company will not compensate for it.

1. What is the liability limit of compulsory traffic insurance?

China's Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability clearly stipulate the scope of compensation for compulsory traffic insurance. If a traffic accident occurs in an insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the limit.

Compulsory liability insurance for automobile traffic accidents implements a uniform liability limit nationwide. The liability limit is divided into the death and disability compensation limit, the medical expense compensation limit, the property damage compensation limit, and the compensation limit for the insured who is not responsible in a road traffic accident.

The liability limit of compulsory traffic insurance refers to the maximum amount of compensation borne by the insurance company for the personal and property losses of all victims of each insured accident in the event of a traffic accident during the insurance period (usually 1 year).

2. What is the scope of compulsory traffic insurance claims?

The insurance company shall compensate within the limit of liability for the personal and property losses of the victims other than the vehicle personnel and the insured caused by a road traffic accident of the insured motor vehicle. Compulsory automobile traffic accident liability insurance is a uniform liability limit throughout the country. Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in road traffic accidents.

The liability limit of compulsory traffic insurance refers to the maximum amount of compensation borne by the insurance company for the personal and property losses of all victims of each insured accident in the event of a traffic accident during the insurance period (usually 1 year).

<> summary: Insurance subrogation refers to the fact that when the insurance beneficiary suffers a loss, the insurance company files a claim against a third party on behalf of the beneficiary to compensate the beneficiary for the loss. The advantage of insurance subrogation is that the beneficiary can save time and energy, and does not have to hold a third party accountable, and can get a better compensation effect.

Text: 1. What is insurance subrogation?

Insurance subrogation refers to the fact that when the insurance beneficiary incurs a loss, the insurance company files a claim against a third party on behalf of the beneficiary to compensate the beneficiary for the loss. The insurance company pays the amount of compensation to the beneficiary, and the beneficiary does not have to hold the third party liable on his own and can also receive a higher amount of compensation.

2. Advantages of insurance subrogation.

2) Save energy on front socks: Insurance companies can provide professional legal services for beneficiaries, and beneficiaries do not have to bother to hold third parties accountable.

3) Get better compensation results: Since the insurance company has a professional claims team, it can provide better compensation results for the beneficiary.

3. Restrictions on insurance subrogation.

1) The beneficiary may need to pay a certain fee: When the insurance company files a claim against a third party on behalf of the beneficiary, the beneficiary may need to pay a certain fee.

2) The insurance company will not necessarily accept the beneficiary's claim: Since the insurance company has its own claim settlement rules, the beneficiary's claim may not be accepted.

3) The insurance company may reject the beneficiary's claim: The beneficiary's claim may be denied because the insurance company has its own claim rules.

4. Summary. Insurance subrogation refers to the fact that when the insurance beneficiary incurs a loss, the insurance company files a claim against a third party on behalf of the beneficiary to compensate the beneficiary for the loss. The advantage of insurance subrogation is that the beneficiary can save time and energy, and does not have to hold a third party accountable, and can obtain a better compensation effect.

However, the beneficiary may have to pay a fee, and the insurance company will not necessarily accept the beneficiary's claim. Therefore, before applying for insurance subrogation, the beneficiary should fully understand the insurance company's claim rules in order to get the maximum benefit.

1. In the event of an insurance accident, the enterprise will generally pay the expenses in advance

Borrow: Other receivables – insurance claims.

Credit: Bank deposits.

2. The enterprise shall apply for compensation from the insurance company according to the insurance policy.

After the enterprise receives the compensation:

Borrow: Bank deposit.

Credit: Other Receivables – Insurance Claims.

3. When the compensation is greater than the advance payment of the enterprise:

Borrow: Bank deposit.

Credit: Non-operating income.

4. When the compensation is less than the advance payment of the enterprise:

Borrow: Administrative expenses.

Credit: Other Receivables – Insurance Claims.

The compensation of property insurance follows the principle of loss compensation, and the insurance payment is mainly calculated by the following methods.

1. The first loss compensation method: within the limit of the insured amount, according to the actual loss compensation. The formula is, when the amount of loss is the amount insured: the amount of compensation is the amount of loss.

When the amount of loss is the amount insured: the amount of compensation is the amount insured.

2. The second is to calculate the compensation on a proportional basis, which calculates the compensation amount according to the degree of protection, that is, the ratio of the insured amount to the actual value of the insured property at the time of loss. The formula is: Amount of Compensation Amount of Loss Amount of Insurance The actual value of the insured property at the time of loss.

1. What documents are required for car insurance claims?

Car Insurance Claim Materials:

1. When I bought the vehicle insurance, the insurance company gave the original insurance policy, and the claim application form filled in when I went to the police station to report the accident after the traffic accident.

2. The traffic accident liability determination, traffic accident damage compensation mediation letter, and the compensation receipt and loss list of the three damaged vehicles provided by the traffic management department, the copy of the copy should be re-stamped with the official seal, so that the certificate is valid.

3. Make a copy of the driving license, a copy of the driver's license, and a copy of the driver's membership card. If the stamp of the copy is blurred, you will also need to bring the original document. When the insured receives the payment, he or she also needs to bring a sample of the compensation receipt given by the insurance company to the car owner.

4. In addition, when confirming the specific amount of compensation, the car owner needs to provide the information of the car insurance claim: the official invoice provided by the car repair shop, which should indicate the license plate number of the repaired vehicle. There is also a rescue fee bill, which should include the type of vehicle and the content of the rescue, etc., which is provided by the rescue unit.

2. How long does it take for car insurance claims to arrive.

According to the provisions of the new insurance law, after the occurrence of an insured event, the policyholder submits a claim, and if the materials are complete, the insurance company shall make an assessment within 30 days, and Haohui will notify the other party of the verification result in writing. If it is within the scope of the insurance company's liability, the insurance company shall pay the compensation within 10 days after the payment agreement is reached. If it is not within the scope of the insurance company's liability, the insurance company shall issue a notice of refusal and explain the reasons within 3 days from the date of verification.

However, in reality, the payout time of car insurance mainly varies according to the size of the accident, the insurance company, and the reporting procedure. If the accident is minor, the rights and responsibilities are clear, and there are not too many disputes, then the compensation given by the insurance company will generally arrive immediately, which is two or three days at the latest. If the accident is serious or the vehicle is seriously damaged, there is a large amount of compensation, then the insurance company will definitely do a detailed investigation of the accident itself, require certain evidence, or ask the relevant departments to make a damage assessment, in this case, the car insurance compensation will take more time, but the general insurance company will control the time within 10 working days.