Insurance Case Study 10, Insurance Case Study

1. The third opinion should be more reasonable. The pressure cooker's ** should be purely accidental, for a mung bean to block the air deflection hole resulting in excessive pressure, not a product design defect, or human error caused the accident (unless identified, it is confirmed that the pot design will indeed cause the situation, or artificially and deliberately use mung beans to block the air deflection hole). Compensation shall be made for the property losses directly caused by this **.

As for the medical treatment of the elderly, it depends on whether the personal accident insurance is attached at the same time as the home property insurance, otherwise it will not constitute a liability for compensation from a legal point of view. 2. According to the provisions of the Insurance Law, after the conclusion of the insurance contract, the policyholder and the insured have the obligation to pay the insurance premium. Sandeok's reasoning is not valid.

When Sande Company entered into the insurance contract, it was not sure whether the risk would occur, and it was in arrears of premiums, and it was obviously unreasonable to refuse to pay the premiums on the grounds that there was no accident and no compensation. 3. From a legal point of view, the insurance company does not bear the liability for insurance compensation. According to the relevant regulations, during road construction, obvious markings must be set up for pedestrians or vehicles to identify and avoid, and the proximate cause of the pedestrian accident is directly caused by the construction personnel's violation of the operation process or regulations, which is obviously an exclusion, and the insurance company can completely refuse to pay.

However, according to the actual situation I have encountered, the court will often favor the side of the insured, which is also allowed by the insurance law, and the degree of favoritism depends on the specific judgment of the judge.

1. If there is a statement on the pressure cooker that mung beans or related beans should not be boiled, the first opinion shall be followed. Otherwise, it should be the third opinion.

Second, this is very simple, the insurance company wins. Although no compensation occurred during the insurance period, the insurance company had already assumed the corresponding insurance liability, so Sande Company should pay off the balance.

3. The insurance company will pay 10,000 yuan. The rest is the responsibility of the construction party.

Categories: Business Banking >> Insurance.

Problem description: The director of an enterprise has insured a batch of newly purchased machinery and equipment stored in the warehouse of the factory with basic property insurance, with an insurance amount of 1 million yuan and an insurance period from 0:00 to 24:00 on the day. On the day, when the driver of a crane in the factory reversed, hung up the high-voltage line above the warehouse of the batch of machinery and equipment, caused a short circuit, led to a major fire in the warehouse, caused all the scrapping of the batch of insurance machinery and equipment, and also paid 300,000 for the rescue, rescue and this cost. After the incident, the director of the factory filed a claim of 1.3 million yuan against the insurer with the insurance policy.

How do I make a claim???

Analysis: What is the actual damage of the fire in the factory? What is the deductible?

The insurer will certainly not pay 1.3 million. Because the limit of their compensation is only 1 million, it is impossible to exceed this limit! Be clear about that.

Rescue Divine Rescue Expenses can be claimed.

If the actual loss + rescue cost of the factory exceeds 1 million, the amount of the claim should be less than 100, and the deductible needs to be subtracted!

The insurance company is not blind to pay as much as you say you will lose!

Case Insurance: Is the Hit-and-Run Insurance Refusal to Claim a Claim an Overlord Clause of the Insurance Company?

Clause. 1. According to the provisions of the Insurance Law, if the insurer purchases a life insurance contract with the loss of life as the condition for payment, then the insured does not have an insurance interest unless he is a close relative. 1. If the death is a condition of payment, the contract to which the insured does not agree is invalid.

However, the legal guardian does not apply for insurance for the ward.

If the contract is invalid, the insurer shall not bear the agreed insurance liability, and the policyholder may also request a refund of the insurance premium. However, other illegal or criminal acts are not constituted. Generally speaking, the premiums in this case you mentioned can be recovered, and whether to deduct what handling fee depends on how the insurance company operates.

Clause. (2) Because the husband has purchased insurance for his wife, he is a close relative, and the husband has not taken out insurance for him for a criminal offence. Therefore, the insurance company should pay for it.

There is no legally recognized relationship between them, so He does not have any insurance interest in Lin, and the insurance contract is invalid.

The policyholder of life insurance shall have an insurable interest in the insured at the time of the conclusion of the insurance contract. Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

Theoretically, the insurance company is not liable to pay the insurance benefits.

If the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, and shall not refund the insurance premium.

But there is a detail worth speculating, whether the insurance salesman knew that there was no legal relationship between them. If it's clear, it's a different outcome.

If the insurer is aware of the failure of the policyholder to truthfully inform the insurer at the time of conclusion of the contract, the insurer shall not terminate the contract; In the event of an insured event, the insurer shall be liable for compensation or payment of insurance money. According to this statement, it is necessary to find the ** person at that time and enter the procedure of civil litigation.