When will the claim be settled after entrusting a third-party company to investigate?

Legal analysis: 1. In the event of an insurance accident, the insured shall report the case to the insurance company within two years from the date of the accident. Failure to report the case within two years shall be deemed as waiver of the claim for insurance money. The reporting period of life insurance products is 5 years.

2. After receiving the report from the insured, the insurance company shall verify the accident in time. Unless otherwise agreed in the insurance contract, the complicated accident shall be verified within 30 days.

3. If it does not belong to the insurance liability after verification, it shall issue a notice of refusal to pay compensation to the insured within 3 days from the date of verification.

4. In case of insurance liability, both parties shall reach an insurance compensation agreement as soon as possible. After reaching an agreement, the insurance company shall pay within 10 days. If the amount of compensation cannot be determined, if it can be determined, it will be paid in advance within 60 days from the date of receiving the report, and the difference will be made up after it is finally determined.

In fact, there are many situations that affect claims. The CBRC and the law cannot cover everything, depending on the situation of the insured and the insurance company. If the insured fails to report the case, the insurance company will not be able to determine the insurance liability, so it is not known whether the insurance money can be compensated. Or the insurance liability is recognized, but the compensation amount is not satisfied, so the time of insurance payment will be slower.

Under normal circumstances, as long as the insured does not cheat, the accident is reported immediately, the claim materials are fully prepared, the review is fast enough, and there is no objection to the claim, and the insurance money will arrive as soon as possible.

Legal basis: Article 10 of People's Republic of China (PRC) Insurance Law is an agreement between the insured and the insurer on insurance rights and obligations. The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract. An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract.