Insurance common sense in logistics process
1. What links in the logistics process will involve cargo insurance? What kind of insurance is there?
A: In the process of logistics operation, as long as cargo operation and supervision are involved, cargo insurance may be involved. The most important links of general insurance are warehousing, air transportation, sea transportation and land transportation. In many cases, the insurance of port operation process is insured as part of transportation insurance. The types of insurance in the process of shipping are divided into basic insurance and additional insurance, and the basic insurance is divided into three types: FPA, WPA and all risks. There are two kinds of insurance in the process of land transportation: land transportation insurance and land transportation all risks. Insurance in the process of air transportation is divided into air transportation insurance and air transportation all risks.
2. What should an insurance company pay attention to when exercising the right of subrogation in the case of damage or loss of goods?
A: In the legal relationship of logistics insurance, one party to a logistics contract enters into an insurance contract with the insurer. If the goods are damaged or lost due to reasons other than the parties to the insurance contract, the insurer shall first compensate the interested parties of the goods, and then obtain the status of interested parties of the goods, and have the right to recover from the responsible person. At this time, we should pay attention to the following questions. First of all, make sure in advance that the interested party of the goods has not given up any rights related to the damaged goods privately, so as to ensure that the insurer's rights can be fully compensated after the claim is settled. Secondly, the insurer should obtain all the evidence related to the subrogation right and litigation after the claim is settled, and should obtain the cooperation of the interested parties of the goods. Thirdly, pay attention to property preservation and evidence preservation. Logistics insurance contracts often have large targets, so it is necessary to exercise property preservation to ensure the interests of insurers. Finally, the legal relationship of logistics is complex and professional, so it is necessary to choose professional lawyers in logistics and maritime affairs for legal consultation before and after.
3 how to handle insurance claims?
Answer: When handling insurance claims for damage or loss of goods, you need to go through the following procedures: first, the claimant provides the insurance company with the following documents: original insurance policy or insurance certificate, transportation contract, invoice, packing list, letters and telegrams or other documents requesting compensation from third parties such as carriers, documents such as the insured's performance of due recovery procedures, inspection reports issued by foreign insurance agents or foreign third-party notary agencies, maritime reports, etc. Cargo losses caused by maritime affairs are generally paid by insurance companies, and the ship is not liable, such as proof of cargo damage and cargo difference, claim list, etc. After completing the relevant formalities and delivering the documents, the insured waits for the insurance company to review the responsibility and decide whether to pay and how to pay. If the insurance company decides to pay, the insurance company will eventually pay the insured.