What is the claim process of travel agency liability insurance?

In the insurance market, travel agency liability insurance belongs to the category of liability insurance and has strong social welfare. But many people don't know how the travel agency liability insurance claims process is. I will answer your questions in detail below. For the differences and claims of critical illness insurance, accident insurance, accident insurance and life insurance, I just sorted out the relevant contents, hoping to help you: a detailed introduction of critical illness insurance, medical insurance, accident insurance and life insurance! Claim guide

First, the meaning of travel agency liability insurance

Travel agency liability insurance is a kind of insurance that covers the legal liability of travel agencies for accidents caused by negligence or negligence in organizing tourism activities. The applicant of this insurance is a travel agency. After insurance, in the event of a liability accident, the insurance company will compensate the innocent injured passengers at the first time. Travel agency liability insurance has a strong social welfare. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Second, the coverage of travel agency liability insurance

Travel agency liability insurance covers tourists' personal injuries and property losses caused by the negligence of travel agencies, but this kind of insurance has many restrictions: high-risk tourism projects such as horse racing, rock climbing, rafting and surfing are not covered by travel agency liability insurance, and the maximum compensation for ordinary travel agencies in China is only 2 million yuan per year. Moreover, "the fault of the travel agency" is very limited in the actual situation. For example, it is not the fault of the travel agency, but the "fault of the scenic spot" for tourists to slip and get injured because there is no warning sign in the dangerous area; Accidents in hotels, trains and planes are not covered by travel agency liability insurance as long as the tour guide is not directly responsible.

Third, the travel agency liability insurance claims process

Travel agency liability insurance claim refers to the economic compensation liability (including litigation costs) that the insurer bears to the third party according to the provisions of the insurance contract and within the compensation limit stipulated in the insurance policy due to the negligence or negligence of the insured in management.

(1) Responsibility Audit and Guarantee

The insurer shall, according to the relevant documents provided by the insured, comprehensively analyze the subjective and objective reasons, abide by the terms and relevant regulations, and determine whether the accident belongs to the insurance accident in combination with its own investigation of claims. To review the insurance liability, it is necessary to determine whether to pay or refuse to pay according to the scope of liability and exemption reasons listed in the clause. Attention should be paid to the following aspects when determining responsibilities:

1. Whether the accident occurred within the validity period of the insurance. The insurer is not responsible for compensation for accidents that occur before or after the validity of the insurance.

2. Whether the insured has formally filed a claim with the insurer within two years since he knew or should have known about the accident. If it is more than two years, the insurer shall not be liable for compensation, except that the litigation activities occur within the effective claim period and the closing time exceeds the effective claim period.

3. The cause of the accident belongs to insurance liability or extended coverage.

(2) Compensation calculation

1. Compensation processing method. The compensation for travel agency liability insurance is based on the provisions of the travel agency liability insurance clause. Within the compensation limit stipulated in the policy, the amount to be paid by the insured shall be determined by the court or relevant government departments according to law or through consultation between the parties and the insurer. Under normal circumstances, accidents that have been confirmed to be within the scope of insurance liability should be resolved through consultation in time. If no agreement can be reached or there is a big disagreement, it will be resolved through legal channels, and the court decision will serve as the final basis for the insurer's compensation.

2. Compensation calculation. In the case of determining the insurance liability and verifying the loss, the insurer may calculate the indemnity according to the compensation treatment method stipulated in this article, as follows:

The amount of compensation for personal injury or property loss to a third party and the total amount of arbitration and litigation expenses with the prior written consent of the insurer shall not exceed the compensation limit for each accident or the additional insurance limit listed in the insurance policy schedule, and the compensation limit for personal injury or death shall not exceed the compensation limit for each person. The excess shall be borne by the insured.

(1) Property losses of a third party shall be determined according to the amount determined by the court or arbitration award, or compensation shall be calculated according to the list of property losses and the responsibilities that the insured shall bear in the accident. If there is a deductible, it is necessary to deduct the deductible for property losses in each accident, which is an absolute deductible.

(2) Compensation for personal injury or death of a third party shall be paid for the insured's responsibilities in the accident according to the amount determined by the court or arbitration award, or according to documents such as disability, death certificate and medical fee receipt issued by relevant departments, and referring to national laws and relevant regulations of relevant government departments.

(3) The compensation for litigation costs with the prior written consent of the insurer generally includes litigation fees, defense fees, attorney fees, evidence collection fees, etc. , according to the amount decided by the court or the actual arbitration fee.

After the insurance liability accident, the compensation for the necessary and reasonable expenses paid by the insured to reduce or reduce the liability for personal injury or property loss to a third party shall be calculated separately from the compensation for personal injury or property loss to a third party and the litigation expenses, and can be calculated according to two compensation limits per accident, and each limit shall not exceed the compensation limit per accident. The compensation for this expense should be based on the premise that the expense is really necessary and reasonable.

(3) Compensation for double insurance

When a claim within the scope of insurance liability occurs, if other insurance covers the same liability or any part of the liability, the insurer will pay the relevant compensation in proportion to the liability limit.

Four, travel agency liability insurance claims required information

1. claim application (signature and seal); 2. A copy of the original insurance policy; 3. The accident notice or accident is described in detail (it must be signed and sealed); 4. Personal basic information of tourists; 5. Basic information of travel agencies, etc.

Bao Ge Tip: To sum up, travel agency liability insurance includes three major claims procedures: responsibility review, indemnity calculation and repeated insurance compensation. In addition, because the travel agency liability insurance only protects the travel agency but not the tourists, it is very necessary for tourists to buy a travel insurance. I recommend the following products for your reference.