Then let's talk to you through a real case. What should I pay attention to in accident insurance claims? What are the special circumstances of accident insurance refusal?
First, the real case
20 17 At the end of August, Zou drove home. When passing a reservoir, he mistakenly used the accelerator as a brake and unfortunately fell into the river and drowned. After the accident, the relevant police immediately launched an investigation into the matter. After investigating the possibility of drunk driving and drug driving, investigators found that the vehicle that fell into the river did not take any braking measures when the accident occurred, but accelerated driving behavior, so it was considered that the accident was completed under the control of independent consciousness.
Zou's husband said before the accident that his wife had taken out six insurances in six insurance companies from April to June, 2065438+2007, including a life insurance with a coverage of 3 million, and a long-term accidental injury insurance with a coverage of100000. One is old-age security, with an insurance amount of 65,438+10,000. If a self-driving accident leads to total disability or death, you can get a claim of 654.38+0 million.
The other four insurances are 200,000, 300,000, 15 and10,000 respectively, with a coverage of 7.5 million. However, it is clearly stipulated in these four insurance contracts that if an accident leads to death, the insurance company will compensate according to 10 times the insured amount, that is, 7.5 million.
Subsequently, Zou's husband filed a claim with the insurance company with the contract, and the claim amount was 210.5 million.
However, according to the accident analysis issued by the traffic police department, six insurance companies finally claimed that "Zou did not die in a traffic accident, but committed suicide", which was an exemption clause in the contract, so he refused to pay.
Zou's family expressed deep dissatisfaction with the statement given by the insurance company, and at the same time took six insurance companies to court.
However, in court, Zou's family has never provided relevant evidence to overturn the accident analysis report issued by the traffic police. Therefore, the court held that "Zou Mou drove into the reservoir" was an act completed under the control of his own consciousness, not a traffic accident, and rejected Zou Mou's family's claim.
Second, the case analysis
In fact, in the above case, the main controversy lies in whether Zou committed suicide intentionally to "cheat insurance". However, from the accident analysis book issued by the traffic police, it can be analyzed that Zou did have accelerated driving behavior at the time of the incident, and according to normal thinking, I believe that not many people will buy more than 20 million insurance for themselves in just two months, not to mention Zou's family is not rich. Therefore, it is not difficult to understand that insurance companies will refuse to pay compensation.
Third, the case summary
There is no doubt that accident insurance is the most commonly used insurance in our life, which is not only cheap, but also very practical. After all, everyone's life will inevitably have a little accident. It is worth noting that although accident insurance is good, there are still some things to pay attention to, because it is before we take out accident insurance.
In order to make everyone better insured against accident insurance, I give you two suggestions:
( 1)? Read the exemption clause and claim clause carefully before taking out insurance.
Many people have a common misunderstanding before taking out accident insurance, that is, after buying accident insurance, as long as there is an accident, they think that the insurance company must pay. In fact, this idea is wrong. In fact, whether it is accident insurance, medical insurance or critical illness insurance, their claims have their own regulations.
So I remind you, before you take out insurance, you must read the exemption clause and claim clause in the contract clearly. Only when you know what your product guarantees and what it doesn't, will you know the true value of your product.
(2)? You must buy all the insurance liabilities of accident insurance.
There are three types of liability for accident insurance, namely, accidental medical liability, accidental disability liability and accidental death liability. At present, there are many different accident insurance products on the market, and the protection responsibilities are not the same. Some only contain 1 protection responsibility, while others only contain 2 protection responsibilities.
Although these products are very cheap, you can buy them for tens of dollars, but they really don't have much effect. If you really want your accident insurance to play a key role, I suggest you buy all three kinds of protection responsibilities when choosing products.