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所在平台: Udemy |
课程主页: https://www.udemy.com/course/duties-of-an-insured-presenting-a-property-claim/
课程评论：没有评论
课程名称：投保人提交财产索赔的责任 课程概述：本课程阐述了第一方财产保险政策对投保人或实体施加的多项条件，要求投保人至少要与保险公司的调查合作，并以诚信和公平的方式对待保险公司。投保人的职责包括但不限于：及时通知保险公司，保护财产免受进一步损坏，允许保险公司检查财产，提供账簿和记录，协助保险公司确定损失范围，出具文件并提交带誓言的损失证明。如果投保人和保险公司无法就损失金额达成一致，必须进入“评估”，这是一种限于确定损失金额的仲裁形式。课程内容涵盖以下几个方面： 1. 第一方财产保险政策对投保人施加的责任。 2. 投保人必须履行政策条款的基本要求。 3. 使用“评估”解决损失金额争议的方式。 4. 政策中关于“隐瞒、误报或欺诈”条件的认知，以及投保人为避免其影响索赔的方式。 5. 未能履行政策条件的投保人可能面临的风险。 6. 投保人需证明其损失的必要性。 7. 公共保险理算师的使用。 8. 良好的信义和公平交易条款如何帮助那些未完全遵循政策条件的投保人。 此课程旨在帮助投保人理解和履行其保险契约中的义务，从而有效地处理财产索赔事务。
This course explains that the first party property insurance policy places multiple conditions on the person or entity insured to, at the very least, cooperate with the investigation of the insurer and to treat the insurer with good faith and fair dealing. The duties include, but are not limited to, giving prompt notice to the insurer, protecting the property from further damage, permitting the insurer to inspect the property, producing books and records, assisting the insurer in creating a scope of loss, producing documents and submitting a sworn statement as proof of loss. If the insured and the insurer cannot agree on the amount of loss, they must submit to "appraisal" a form of arbitration limited to establishing the amount of loss. The course covers the following: The duties a policy of first party property insurance imposes on the insured.The duties are basically a requirement that the insured fulfill all policy conditions.The use of an "appraisal" to resolve disputes over the amount of loss.The "Concealment, Misrepresentation, or Fraud" condition of the policy and how the insured can avoid its use to defeat its claim.The hazard faced by an insured who fails to fulfill the conditions of the policy.The need of the insured to prove his or her loss.The use of a public insurance adjuster.How the covenant of good faith and fair dealing assists the insured who does not fully comply with policy conditions.
