| 1. | This is the basic principle that repeats insurance compensation
这是重复保险赔偿的基本原则。 |
| 2. | After the underwriter pays insurance compensation according to insurance contract agreement , can acquire the property that the incomplete of damage insurance mark is worth
保险人按照保险合同约定支付保险赔偿金后，可以取得受损保险标的残值的所有权。 |
| 3. | And the underwriter has the compulsory etc that pays insurance compensation accordingly a few special obligation , if pay , rescue them the obligation of cost and litigant expenses
而保险人则相应有支付保险赔偿金的义务及其他一些非凡义务，如支付施救费和诉讼费用的义务等。 |
| 4. | After the underwriter pays whole insurance compensation according to contract agreement , behoove acquires the property that the incomplete of damage insurance mark is worth , otherwise the double interest that insurant can acquire this part property
当保险人按照合同约定支付全部保险赔偿金后，理应取得受损保险标的残值的所有权，否则被保险人就会获得这部分财产的双重利益。 |
| 5. | According to our country " maritime law " regulation , marine insurance contract asks to the underwriter the request of insurance compensation counterpoises , 2 years are during effectiveness for a given period of time , from insurance the sun of accident happening rises consideration
根据我国《海商法》规定，海上保险合同向保险人要求保险赔偿的请求权，时效期间为二年，自保险事故发生之日起计算。 |
| 6. | Insurance compensation is a kind of compensation that compensates property , that is to say it undertakes compensatory to actual losing part only , comparative with the value of damage belongings at most , and forever won ' t over get the original value that maintains property
保险赔偿是一种补偿性质的赔偿，也就是说它只对实际损失的部分进行赔偿，最多与受损财产的价值相当，而永远不会多于受保财产的原有价值。 |
| 7. | This company shall respectively pay the insurance compensation for accidental disability in accordance with the stipulations no matter the insured suffers from accidental injury for once or several times , however the accumulative payment hereto shall not exceed the stipulated amount of insurance
被保险人不论一次或多次发生意外伤害保险事故，本公司均按规定分别给付意外残疾保险金，但累计给付金额以不超过约定保险金额为限。 |
| 8. | If the insured dies of the same reason within 180 days since the occurrence of accidental injury which results in any disability , this company shall be liable only for the difference between the stipulated amount of insurance and the insurance compensation for accidental disability ; if the insured dies after 180 days , this company shall pay the stipulated amount of insurance no matter the death is caused by the same reason
被保险人自意外伤害事故发生并导致残疾之日起一百八十日内由于同一原因死亡，本公司只给付约定保险金额与意外残疾保险金的差额；超过一百八十日死亡，不论是否同一原因所致，本公司按约定保险金额给付保险金，保险责任终止。 |
| 9. | When the dangerous level in insurance mark increases insurant , did not fulfil announcement obligation by contract agreement lawfully , inform an underwriter not in time namely , the interest that meets an underwriter probably is caused damage , ought to bear consequence of the following law : insurant did not fulfill danger to increase announcement obligation , the agree carries responsibility of breach of contract ; 2 be insurant did not fulfill danger to increase announcement obligation , the loss of the insurance symptom that the insurance accident place that increase because of dangerous level and happens causes , answer to assume responsibility by insurant proper motion , the underwriter pays insurance compensation to insurant no longer
被保险人在保险标的危险程度增加时，未依法按合同约定履行通知义务，也就是未及时通知保险人的，很可能会给保险人的利益造成损害，应当承担以下法律后果：一是被保险人未履行危险增加通知义务的，应承担违约责任；二是被保险人没有履行危险增加通知义务的，因危险程度增加而发生的保险事故所造成的保险标的损失，应由被保险人自行承担责任，保险人不再向被保险人支付保险赔偿金。 |
| 10. | A creative idea , insurance loss adjustment should become a legal procedure of insurance compensation , that is , when signing an insurance contract , what should be defined in insurance contract is that it is due to insurance loss adjustment to define insurance responsibility and evaluate the loss and money for compensation
而更为大胆的想法是保险公估应该成为保险理赔的一个法定程序,即在签订保险合同时,应该在保险合同中明确出现保险事故后应该由保险公估机构对保险事故是否属于保险责任以及保险标的的损失程度、损失金额、赔偿金额等进行公估。 |
