The greatest integrity of an insurance company is that when you lose normally, you will definitely pay for it.
Your situation is very strange. Why did Yang not make a claim because of something temporary, but Cheng, who went to the insurance company to make a claim, was arrested by the police on the spot.
There are n steps that have not been mentioned in this regard. For example, if he goes to court, does he know that 100% can't be compensated? Is it a "sin" to go to the insurance company to settle claims?
Let's explain the meaning of the mentioned words according to your question:
1, insurable interest principle This is the basic principle of insurance, and its essence is to require the applicant to have insurable interest in the subject matter insured. If the subject matter insured by the applicant has no insurable interest, the insurer may unilaterally declare the insurance contract invalid; When an insurance liability accident happens to the subject matter insured, the insured shall not obtain additional benefits beyond the scope of insurance benefits due to insurance. Insurable interest refers to the legally recognized interest of the insured in the subject matter insured. There are two meanings:
1, a person who has an insurable interest in the subject matter insured has the qualification of the insured. This is why at the beginning of the case, evidence was used everywhere to create false appearances, with the intention of evading legal responsibility.
2) Insurable interest is the basis for determining the validity of insurance contracts. The connotation of this so-called insurable interest principle. This must be true, otherwise he wouldn't be so stupid-hehe.
2. The meaning of utmost good faith means that the parties sincerely inform the other party of all important facts about insurance fully and accurately, and there is no hypocrisy, deception or concealment. In addition, this principle should be observed not only in the conclusion of the insurance contract, but also in the whole period of validity and performance of the contract.
At this point, the word "fraudulent insurance" has been completely made public, which is legal and can definitely be resolved through litigation or arbitration. I have seen this case, which is also a typical case of insurance fraud.
3. The principle of proximate cause This is the proximate cause in the insurance relationship. It doesn't mean the closest cause of loss in time or space, but the most direct and effective leading or leading cause of loss. The principle of proximate cause refers to the occurrence of dangerous accidents and the formation of loss results, which must have a direct consequence relationship, and insurance talents have the responsibility to compensate for the losses.
4. The principle of compensation for losses. I don't need to say this. Simply put, it is a direct loss. For example, if the car is parked outside, the thief breaks the glass, takes the wallet inside and runs away. The insurance company will not lose money, but only the glass. Understand?
In the definition of these four principles, Chen Mou is definitely guilty. As you mentioned, the second principle of utmost good faith is the responsibility of each insurance company to the whole society.
It is also the key to their whole business and sales, but from this case, it is difficult to see the words that embody the insurance company. Why? Because "customers know insurance very well"
As long as the profit is 1 times, they think they have fully understood the whole insurance law, but often the greedy desire in human nature leads them astray.
Surely you have figured out which of the four principles to analyze? If you want to hand it in, just copy what I said and add your own understanding to make it yours.
All right, here you are. Thank you.