A large number of import and export goods will be purchased when transporting freight insurance to ensure the safe delivery of goods, for some businesses who are new to freight insurance, you must understand some professional terms before filling out the freight insurance policy. Learning these is actually to prevent some accidents, how to compensate after the accident? What is the compensation process?
1. Stop the risk (especially in the event of an accident with property insurance).
The Insurance Law stipulates that "when an insured event occurs, the insured shall be responsible for taking the necessary measures to prevent or reduce losses." "If this obligation is not fulfilled, the insurance company may refuse to pay compensation.
2. Protect the site
After the occurrence of the insured event, the insured or beneficiary is obliged to protect the accident scene and wait for the insurer to check and verify the cause of the accident and the loss status without the insurer's investigation, damage verification or consent.
3. Report the case
The Insurance Law stipulates that the insured has the obligation to notify the insured of the insured event in a timely manner. After the insurance is terminated, the policyholder, the insured or the beneficiary shall immediately notify the insurer, so that the insurer can send personnel to the scene to investigate and inspect in a timely manner, and take rescue measures to avoid further expansion of losses.
The report of the accident should generally be in writing, or it can be notified orally or first, and then the written notice should be submitted. The general content of the notice of accident includes the name, address, insurance policy number, date of insurance, reason for the accident, items of damaged property or parts of the damaged person, amount of damaged property, etc.
4. Filing a claim
1. Submit a claim for compensation.
Except that according to the insurance contract, the right of claim is enjoyed by the beneficiary designated by the insured, and the insured himself has the right to make a claim. If the insured fulfills its obligations, it has the right to claim compensation and insurance benefits from the insurer for the losses caused by the insured event to the extent permitted by the insurance policy.
2. Accept the inspection of the insurer.
The insurer has the right to investigate and verify the cause of the accident and the status of the loss. The insured has the obligation to accept the inspection, accept the inspection of the insurer or other members entrusted by it (such as the insurer and the inspection authority), and provide convenient conditions for the inspection to ensure that the insurer timely and accurately ascertains the cause of the accident, and the insurance company confirms the degree of damage and the amount of loss.
3. Provide claim documents.
A so-called claim form is a document that proves the cause and nature of the accident and the amount of damage. The Insurance Law stipulates that the insured has the obligation to provide claim documents and supporting materials.
4. Receive insurance compensation or insurance money.
The insurance policy on which the insured or beneficiary is based may continue to be valid after the insured or beneficiary has received the insurance benefit or benefit, depending on the circumstances.