Double insurance is an insurance in which the insured concludes insurance contracts with more than two insurers for the same subject matter, the same insurance interest and the same insurance accident, and the sum of the insurance amount is greater than the insurance value.
1. An insured has successively signed property insurance contracts with three insurance companies, A, B and C, for his own property (value150,000 yuan). The insured amount is 50,000 yuan,100,000 yuan and150,000 yuan respectively. After that, during the same insurance period, the insurance loss was 100000 yuan. Ask the insurance companies for compensation.
A: Generally speaking, there are three distribution methods of double insurance: proportional responsibility system, quota responsibility system and sequential responsibility system. Most countries use proportional sharing, and exam questions (except for special instructions) are generally calculated in this way, so I will use proportional sharing to solve this problem for you.
Liability shared by insurers = (insured amount of one insurer/total insured amount of all insurers) × loss amount.
Therefore, the compensation amounts of Company A, Company B and Company C are as follows:
A = (5 50,000/300,000) × 65,438+10,000 = 1.67 million; B =(65438+ million/300,000) ×65438+ million = 33,300; c =( 150000/300000)× 100000 = 50000。 A person's total compensation is 654.38 million, so he can't get additional benefits from insurance.
2. Someone signed a property insurance contract with two insurance companies, A and B, for his own property (worth 6,543,800 yuan+0,000 yuan), and the insurance coverage of the two insurance companies was 400,000 yuan and 500,000 yuan respectively. During the insurance period, the insurance loss was 600,000 yuan. Seek the compensation amount borne by the two insurance companies respectively.
A: This is not double insurance. Therefore, it can be seen that individual A has entered into inadequate insurance contracts with Company A and Company B.. Compensation amount = loss amount × insurance coverage degree (insurance coverage degree = insurance amount/insurance value), therefore,
a =(40/ 100)×60 = 240000； B = (50/100) × 60 = 300,000. The total compensation for someone is 540 thousand, not 600 thousand, because he didn't buy all insurance.
3. Someone insured the property insurance with the fire insurance company, with the insured amount of 900,000 yuan. During the insurance period, a fire broke out in a third party, resulting in a loss of 600,000 yuan. At the time of the accident, the overall appraisal value of the property was1100,000. How should the insurer compensate? What should the insurer do if it claims from a third party and recovers 500,000 yuan? What should I do to recover 600,000 compensation?
Answer: When the accident happened, the insured amount was 6.5438+0 million, while the insured amount was 900,000, so it was also insufficient insurance.
Compensation from insurance company = (90/100) × 60 = 540,000.
Because the accident was caused by a third party, the insurance company has the right to claim for compensation on behalf of the third party after settlement. If 500,000 is recovered, 500,000 will be owned by the insurance company. If 600,000 is recovered, the insurance company will get 540,000, and the remaining 60,000 will be owned by someone.
On May 9, 2003, Liu took out family property insurance from a property insurance company, with an insurance amount of 654.38+10,000 yuan. On July 5 of the same year, his unit insured the group family property insurance with a coverage of 50,000 yuan with B Property Insurance Company. On June 65438+1October 10, 2004, a fire broke out in the Liu family. The loss list States: 60,000 household appliances, 40,000 furniture, gold and silver jewelry 1 10,000, and 6,000 yuan in cash. How to compensate?
A: The first thing to be clear about this question is what is the insurable property of family property insurance (you can see these for yourself). Gold and silver jewelry and cash can't be used as insurable property of family property insurance, so only the loss of household appliances is 60 thousand, and the loss of furniture is 40 thousand, totaling 654.38+ 10 thousand.
Secondly, judge whether it is double insurance. There is no mention of the insured value of Liu's property, so I can't judge whether he is double-insured. Think of it as double insurance for the time being (the algorithm is the same as 1), then
a =( 10/ 15)× 10 = 66700； B = (5/ 15) × 10 = 33300。 Liu received a total salary of 654.38 million yuan.
5. A flour mill signed an insurance contract with an insurance company on March 1 1 2006 to insure 36 workers including Liu against group accidents. The insurance amount is 50,000 yuan per person, the insurance period is 1 year, and the insurance premium is on March 1 1 2006. On June 4, 2006, Liu was knocked down by a bus on his way to work, but he died on June 6, 2006, costing 8,000 yuan. The accident was investigated by the traffic police, and the responsibility for the accident lies in the illegal driving of the bus driver. The company paid Liu's rescue expenses in full, paying 1 ten thousand yuan. Afterwards, the flour mill paid the funeral expenses and pension of 20,000 yuan to Liu's family, and claimed compensation from the insurance company. After investigation and verification, the insurance company believes that Liu's death due to a car accident is an insurance accident within the scope of insurance liability. The insurance company should have paid Liu 50,000 yuan, but since the vehicle liability lies with Volkswagen * * *, since Volkswagen has already paid 18000 yuan, the insurance company should only compensate the difference between the insurance premium and the compensation amount of Volkswagen * * *. So he paid an insurance premium of 32,000 yuan to the flour mill. What do you think of this case?
A: 1. The insurance company's view is wrong. A person's body is priceless. Life insurance contract is not a compensatory insurance contract, and there is no right of subrogation. The bus company pays 18000 yuan, which has nothing to do with the amount paid by the insurance company. The insurance company needs to pay 50,000 yuan according to the insurance contract.
Insurance money should not be paid to the flour mill here. As the insured, the flour mill is not the beneficiary, but the beneficiary should be Liu's family, so the flour mill is not eligible to claim compensation from the insurance company, and the insurance company should not pay insurance money to the flour mill.
Hope to adopt
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.