Total number of valid within the sum insured according to the actual damages, and an insurance policy should not only consider the contract valid, due to duplicate other insurance, it is an invalid contract. Insured because the insured person is not in full and as a result, his property is in an unstable status, so a re-insurance; some new home property, the need for increasing the sum insured, some units in a collective insurance for employees a certain amount of home property insurance . This makes an increase in duplicate insurance reasons, this case is the last one of the reasons. Duplicate any insurance, so long as at an insurance company, losses amounted to a policy amount, after the cancellation of a payment can be. If insurance is a duplicate at two insurance companies, they should be proportional liability. There is a problem of other required special attention to the other, is to prevent the insured person with a property loss to be two or more claims. A motive for the insurance companies held in abeyance for this payment is correct, but in the course of a hearing or make their own earlier in the latter two programs, it is clear is two people of their own ruler, this is inappropriate. And B to the insurance company a tacit way, that is, "due to the implementation of the home property insurance risk is the first mode of compensation, not the proportion of compensation." This is a home and property insurance company insurance compensation insurance the same way as the forms of reparation duplicate confusion up.
Again, turn to the courts of the mediation results in this case is correct. Now, the insurance market has become, policyholders may be at two or more insurance companies, which for the payment brings a certain degree of difficulty, it is necessary to prevent moral hazard policyholders, but also between the insurance commitment reasonable duty, it must assume responsibility in proportion. Several insurance companies will cover the amount of property insurance are added together to calculate the proportion of each should be assessed after their loss on a pro rata basis. In this case, A insurance companies insured sum is 5,000, B insurance companies insured sum is 3,000 yuan, Lee's actual loss is 6400 yuan, then the ratio of the case compensation should be: 6400 / (5000 +3000) = 4 / 5. According to the ratio of the apportionment of liability, A number of insurance companies should be reparations are 5000x (4 / 5) = 4000 of $; B indemnity insurance should be the number of 3000x (4 / 5) = 2400 million, the courts of the mediation results in this case is the case .
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Again, turn to the courts of the mediation results in this case is correct. Now, the insurance market has become, policyholders may be at two or more insurance companies, which for the payment brings a certain degree of difficulty, it is necessary to prevent moral hazard policyholders, but also between the insurance commitment reasonable duty, it must assume responsibility in proportion. Several insurance companies will cover the amount of property insurance are added together to calculate the proportion of each should be assessed after their loss on a pro rata basis. In this case, A insurance companies insured sum is 5,000, B insurance companies insured sum is 3,000 yuan, Lee's actual loss is 6400 yuan, then the ratio of the case compensation should be: 6400 / (5000 +3000) = 4 / 5. According to the ratio of the apportionment of liability, A number of insurance companies should be reparations are 5000x (4 / 5) = 4000 of $; B indemnity insurance should be the number of 3000x (4 / 5) = 2400 million, the courts of the mediation results in this case is the case .
The article is reproduced from the worry-free test Net: http://www.51test.net/show.asp?id=272976&Page=2