Bride with 70 bracelets property insurance property
The news of a local wedding ceremony in Zhongshan was rumored on WeChat friends circle and Weibo. According to the news, on the evening of the 23rd, at a wedding in Zhongshan, the bride wore gold accessories weighing several tens of pounds. The bride was dubbed by some netizens as "Zhongshan Golden Bride." Yesterday, many reporters verified that the groom was a foreigner and did business in Zhongshan. The father of the bride used to be the general manager of Shaxi Water Supply Company and has now retired. Such a high-profile, luxurious, connotative wedding, do not know the bride after marriage will deal with these golden bracelets? It is better to buy another insurance for these bracelets! Property insurance is the most appropriate choice. In the process of understanding property insurance, we must understand its four principles: First, the principle of maximum integrity Insured family property insurance Like other insurance, policyholders must abide by the principle of maximum good faith. If the insured and the insured violate the “integrity principle”, the insurer has the right to terminate the insurance contract or not to be liable for compensation. When applying for family property insurance, the insured should explain to the insurance company “any important material that may affect the person's decision on whether to make a decision and affect the person's rate and insurance terms.” They mainly include: 1. The situation of the insured person and his family members. For example, if there are mental patients among family members, there have been cases of playing with fire and turning on gas switches. 2. The fact that the insurer is responsible for the greater risk. If some insured people buy commercial housing in areas with bad public security, they usually do not live, and there have been several thefts in the area. 3. Insured property beyond the normal range. If the house is located in a low-lying area, the drainage system of the road is not good. If it is raining a little bigger, it will enter the water. II. The principle of profitability In family property insurance, there are three types of basis for the generation and existence of benefits: ownership, possession, and benefits arising from contractual provisions. Ownership, including everyone. Regardless of whether the property is owned by the individual or shared with the person, it is beneficial; possession, including those responsible for the safety of the property, such as the goods of the warehouse clerk to the customer; lien on the property (the other is due to debt) The person who keeps the place. The benefits arising from the contract. For example, the tenant of a house has certain benefits for the rented house. Third, the principle of compensation consists of the principle of comprehensive compensation and the principle of actual compensation. The principle of comprehensive compensation: the insured person is compensated for the various economic losses caused by the risk accidents stipulated in the insurance contract. The principle of actual compensation: the insurer's compensation for the insured may not exceed the actual loss of the insured, and the insured may not obtain additional benefits due to the insurer's compensation. The specific content of the actual compensation principle includes the following points: 1. The insurer's compensation is only to restore the actual loss of the insured, which is the core of the actual compensation principle. In order for the insured's property to be compensated, three conditions must be met: the insured has actual insurance benefits for the insured subject matter of the loss. The reason for the loss of the subject-matter insured must be within the insurance liability specified in the insurance contract. The losses suffered must be measurable in currency. 2. The insurer has the right to choose the method of compensation for the insured. As long as the insurer can meet the purpose of compensation for damages, it can have the right to choose the specific method of compensation, such as payment of currency, repair and replacement. 3. The insurer controls the limit of compensation. When the insurer handles the compensation application for property insurance, after comparing the actual loss, the insurance amount and the insurance interest, the party with the smallest amount of actual money is the final compensation control limit. 4. The insured cannot make additional profits through compensation. 4. Subrogation principle The subrogation claim means that when the insurance accident is caused by a third party, the insurer has the right to replace the insured within the scope of the compensation amount after first performing the liability to the insured. The third party seeks compensation. There are three preconditions for “subrogation”: the damage caused by a third party to the subject-matter insured must meet the insurance liability scope stipulated in the insurance contract; the formation of insurance liability must be caused by a third party; the insurer must first be The insurer fulfills its liability for compensation. In the process of exercising the right of subrogation, the insurer's excess of the amount of compensation to the insured must be returned to the insured, that is, the insurer cannot use the subrogation right to obtain more than the amount assumed by the insurer. The actual liability of the liability. In this way, property insurance can be more clearly understood. Preparing for your future purchases can save you a lot of unnecessary trouble in the future purchase process.