The lawyer occupation liability insurance

Co Discussion The book

 

Mesh     Record

 

The first partCooperation agreement................................. 2

        The second partUnderwriting list................................. 3

The third partSpecial agreement.................................... 4-9

 

★ service group mail list

            ★ accessories (lawyer occupation liability insurance clause, matters needing attention, list)

       

The first part The lawyer occupation liability insurance system security protocol

 

Party A: Zhuhai City Bar Association

B: Chinese Ping An Property Insurance Limited by Share Ltd Zhuhai branch

 

    In order to ensure the legitimate rights and interests of Zhuhai existing legal practicing lawyers and lawyers, guarantee the lawyer business smoothly, by the A, B both sides agreed, for professional liability insurance liability insurance in all Party A Party B licensed lawyers and lawyers, reached the following agreement:

(a) B according to the attached lawyer liability insurance policy terms or provisions, shall bear the liability for compensation to the occurrence of an insured accident.

(two) such as a, B both parties of insurance clause of any supplementary provisions, will appear in any way. Special agreement effectiveness will be greater than the original insurance clause.

(three) the agreement signed by both parties and Party B to issue an insurance policy in effect at the same time, the effective period of this agreement is one year, consistent with the policy set forth in the period of insurance.

(four) the party law firms and lawyers list if there are changes, should be submitted in writing to Party B for the record.

(five) this agreement is in two originals, the A, B both sides of a split, with the same legal effect.

 

Party A: Zhuhai City Bar Association         B: China Ping An Property Insurance Limited by Share Ltd

Zhuhai Center branch

 

Representative signature:                      Representative signature:              

 

In 2010 June 18 day              June 18, 2010

 

The second part Underwriting list

 

Insurance    A: peace lawyer occupation liability insurance

InvestmentPaulMan: Zhuhai City Bar Association

Applicant address: Zhuhai City, Mei Hua Road 96, the city Bureau of justice building five floor

The insured: group members and individual members in Zhuhai city law firm lawyers association of lawyers

The insurance period: June 18, 2010 12 noon to noon of June 18, 2011 when only 12

Compensation limits: every accident compensation limit: 3000000 yuan;

         Each individual lawyers aggregate limit of indemnity: 5000000 yuan;

          Cumulative each law firm compensation limit for 10000000;

         Aggregate limit of indemnity: 30000000 yuan

Insurance: fourteen million yuan.

Deductible: every accident deductible is RMB 5000 yuan or the amount of loss of 5%, with a high

Whichever.

Jurisdiction: the policy of the people's Republic of China judicial jurisdiction.

Special agreement:This insurance is limited to 650 persons. If the staff has the change, the first half of a written declaration, according to 200 yuan for each additional premium, duotuishaobu.

ChaseAbductivePeriod: self insurance period starting date back seven years.

 

The third part Special agreement

                

                             Insurance policy number                 

    It is agreed, in the "peace lawyer occupation liability insurance" basis, the following amendments and supplements:                                                                                                                                                      

  One, the insurance clause 1 mark: "in order to safeguard the client and the legitimate interests of the insured, the insurance special offer."

  Two, clause second mark: "where the legally established within the territory of the people's Republic of China law firm and hold a valid certificate of lawyer lawyers can be used as the insured insurance insurance."

  Three, clause third "insurance" in the relevant provisions of mark:

   In the policy specified in the schedule of the period of this insurance, where the insured within the territory of the people's Republic of China (except Hong Kong, Macao, Taiwan) to provide services for the principal occupation, due to negligence of work or negligence, causing the principal economic losses, in accordance with the law or the entrusted contract agreed by the the insured shall be the responsibility of economic compensation, insurance according to the insurance contract liability for compensation.

   The insured person to entrust a mental damage, in accordance with the law shall bear the liability for the economy of the insured, the insurer is responsible for compensation. The compensation limit per accident responsibility under the limit of indemnity is RMB 50000, and included in each accident. Under special circumstances, the consent of the insurer, unless.                 

   The insurer is responsible for the claim of clients in the period of insurance within the proposed insured, the insurance contract prior to the commencement of the two years of the insured caused the principal economic losses within the insurance responsibility for compensation.       

   On the insured for treatment because of the principal claim litigation, arbitration process cost, insurance in accordance with the following terms responsible: litigation fees, arbitration fees, examination fees (costs include insurant himself to pay the legal costs and cope with the claimant's litigation expenses) according to the actual amount of compensation, the lawyer fees and other expenses shall be subject to the consent of the insurer. But the cost and the economic compensation for each claim compensation for the total amount shall not exceed the insured specified in the schedule of each claim indemnity.

   The insured within the territory of China (except Hong Kong, Macao, Taiwan) accept the Commission, the legal cases, due to need to handle legal affairs, overseas (including Hong Kong, Macao, Taiwan) investigation and handle related matters, as in the territory of execution.

   Four, the insurance clause "exemption" part the following correction:

   1, fifth mark:

  

(a) the causes of loss, expenses and liability, the insurer shall not be liable for;

   (1) by the intentional act the insurer or non occupation behavior;

   (2) the war, hostilities, armed conflicts, military action, riots, strikes, riots, theft, robbery;

   (3) the government authorities confiscated, requisitioned;

   (4) nuclear reaction, nuclear radiation or radioactive contamination;

   (5) the natural disaster, earthquake, storm, flood, lightning;

   (6) the fire, explosion;

  (two) the causes of loss, expense and responsibility, the insurer shall not be liable for:

   (1) the insured effectively without a lawyer's practice certificate, or fails to obtain the legal, regulations should hold the other qualification certificates for business;

   (2) without the insured (of a firm) agree, the insured registered lawyers privately commissioned or licensed in other law firms;

   (3) the insured person and the other party or the attorney of malicious collusion, damage the interests of the client;

   (4) the insured is accused of libel on the client, the court convicted;

   (5) occurred before the insurer listed dates specified in the schedule of this policy's carelessness or negligence;

  (three) the insured the following losses, expenses and responsibility, the insurer shall not be liable for:

   (1) directly or indirectly due to computer problems in 2000 loss;

   (2) the insured to the principal body injury and tangible property damage or loss;

   (3) a fine, and the punitive indemnity;

   (4) the provisions of this schedule of the policy or in the relevant provisions to be borne by the insured each claim deductible;

  (four) the other does not belong to the scope of the liability insurance of all losses, expenses and liability, the insurer shall not be liable for.

  (five) for the insured in the first copy of the insurance policy (including re insured in the insurance for a period of time after the first copy of the insurance policy) has been known before the entry into force, or could reasonably have been foreseen claims accident caused losses, expenses and liability, the insurer shall not be liable for.

   Rule 2, evidence missing files and other problems: extended coverage due to evidence, documents, account books, statements and other data loss, damage, theft, robbery, loss of the accident. But it must meet the following conditions: A) lawyers have good reason to hold the principal important evidence originals; B) lawyers find list of original evidence made by his law firm stamped confirmation. C) lawyers should copy on receipt of original evidence principal, then made a sign for the list, in the list and the copy stamped with official seal of law firms, together hand in hand the archives. Liability insurance from the date of receipt (excluding zero day) Eighth days automatic termination. If extension, shall obtain the consent of the insurer agreed in writing. Lawyers and law firms on the evidence should be reasonable guard duty. The insurer has the right to home checks to confirm. To be linked with the insured the insurer home checks, arranged by the insured. When claims are law firms must provide evidence and a copy of the list of evidence, otherwise, the insurer shall not bear the liability of compensation.

Other similar custody business (such as managing the insured in the course of practice, the principal property) refer to this paragraph.

   Six, the insurance clause "compensation" additional terms are as follows:

   1, liability insurance accident occurred, without the written consent of the insurer, the insured or their representatives to make any promises, the claimant declined, bid, contract, payment or compensation, insurance only assume insurance responsibility within the insurance responsibility. When necessary, the insurer may the name of the insured of the proceedings for the defense or processing on the compensation.

   2, the insurer to each claim compensation in accordance with the law to the court ruling, the arbitration organization or the relevant government departments or determined in consultation by both parties and the insurer shall be payable by the insured amount shall prevail, but shall not exceed the insured Dan Mingxi table specified in each claim compensation limit, many times in the period of insurance claims the cumulative amount of compensation shall not exceed the insured list aggregate limit of indemnity in Ming dynasty.

   3, the insurer according to "insurance" lawyer occupation responsibility, to each claim the insured has reduced or reduce the economic compensation liability to the client paid the necessary, reasonable costs and pre agreed to in writing by the insured costs compensation.

   4, the insured to the insurer for the compensation, shall be submitted to the original insurance policy, certificate of lawyer's liability for claims, losses, report list, registered lawyers "lawyer license", with the client signed a contract or agreement of agency and other necessary proof nature, cause and extent of loss documents.

5, when necessary, the insurer has the right to the name of the insured claim to the responsible party. Without the written consent of the insurer, the insured person to accept the responsible party for the loss making a payment or compensation arrangements or give up to the responsible party to the right of claim, the insurer undertakes the insurance liability in the insurance contract the responsibility scope.

   6, the insurance liability losses, shall be borne by the responsible party to be responsible for the compensation, the insured shall take all necessary measures to claim compensation from the responsible party, the insurer to the insured claims since the date of obtaining indemnity by subrogation, subrogation rights in the amount of compensation scope, the insured shall actively assist the relevant information, and provide the necessary files and know.

   7, the insured's principal claim for compensation, the Zhuhai City Bar Association disciplinary committee finds it is insured carelessness or negligence, the insurer that belong to the scope of insurance liability, the insurer shall bear the responsibility for compensation.

   8, the insurer shall be 30 working days after receipt of the insurer's claim to make: a written reply agrees to indemnify, no compensation, part of the compensation or for investigation. On the part of the insurance liability, in 10 working days a compensation agreement with the insured person within, to fulfill the obligation of reparation. The insurer shall invite the applicant to attend the insured claims service team.

   9, the insured due to negligence or fault compensation principal economic losses, the responsibility first by the insured and the insurer agreed that, if no agreement is reached through consultation, to a legally effective judgment, ruling as the basis, to a legally effective judgment, ruling, the insurer shall perform in the proposed insured obligation of compensation for 10 working days in the request for compensation.

    10, the insurer to pay the compensation, the compensation limit corresponding reduction. If an applicant requests the reinstatement of the compensation limit, shall be calculated according to the agreed insured an additional premium for the recovery from the date of loss to the expiry date of the daily number proportion of insurance premium.

    11, the principal claim events occurred in the period of insurance or retroactive period, but in the insurance expires, the court, the arbitration organization or the relevant departments of the government is not on the client to the insured's claim to make the final decision to the insured fails to provide the claims data to the insurer, the insurance after the expiration of the time period, when the court, arbitration institutions or the relevant government departments for the client to the insured's claim to make the final decision, the insurer shall continue to assume insurance responsibility within the insurance responsibility.

    12, the insurer to each claim compensation in accordance with the law to the court ruling, the arbitration organization or the relevant government departments or determined in consultation by both parties and the insurer shall be payable by the insured amount shall prevail, but shall not exceed the insured specified in the schedule of each claim compensation limit. The cumulative amount of claim many times in the insurance period shall not exceed the insured list aggregate limit of indemnity in Ming dynasty.

   Seven, the insurance clause "the insured and the insured obligations" to add the following:

   The insured shall according to the agreed schedule of premium, not agreed insurance payment, the insurer shall not be liable for.

   In the insurance period, the degree of risk insurance important changes or the subject matter of the insurance increased, the insured shall notify the insurer in writing promptly, the insurer shall revise procedures or the income of insurance premium.

   The scope of insurance liability occurs within the accident, the insured shall endeavor to take necessary measures, reduce or reduce losses; immediately notify the insurer, and a written explanation, the accident and the degree of loss, otherwise, the expanded part of the liability insurance is not responsible for compensation.

   The insured that may lead to litigation, it shall immediately notify the insurer in writing; received a court summons or other legal documents, should be promptly sent to the insurer.

   The insurance clause "the insured and the insured obligations" part of the increased agreed as follows:

   On the insured on the relevant legal affairs for inspection shall provide assistance, the reasonable suggestions for the insurer, the insured shall conscientiously implement.

   The individual lawyers such as does not fulfill the obligations of the insured and the insured, the insurer is only for the specific case is not liable for compensation.

   Eight, the insurance clause "other matters" increase agreed as follows:

   In the insurance period, any party may terminate the contract.

   Nine, by the dispute between the insurer and the insured may adopt the following methods to solve:

   1, the insurer and the insured negotiated settlement;

   Ruled by the appraisal committee composed of 2 temporary, the insurer and the insured in the Bar Association (member of the Committee under the auspices of identification: Lawyers Association, 3 people, 3 people of insurance company, agreed a third as the referee person)

3, the consultation fails, the insurer and the insured as a common choice of Zhuhai Arbitration Commission to resolve the dispute arbitration

Institutions, there is no less than three people of the arbitral tribunal.

Ten, after the expiration of the period of insurance, insurance accident did not happen during the period of insurance, the insured to the insured, the insurer agrees to grant preferential, namely: according to the new insurance policy to give preferential year.

Eleven, both sides agreed, the number of lawyers this insurance policy insurance is limited to 650 people. If the staff has the change, the first half of a written declaration, according to 200 yuan for each additional premium, duotuishaobu. Lawyers association is responsible for the Law Firm lawyer register (including the new registered lawyers) and practice lawyers, paralegals and document staff list submitted in a timely manner to the insurer.

   Twelve, the "special agreement" is a part of the insurance clauses, and clauses conflict specifically agreed, from the special agreement.

Thirteen, the term of validity of the contract and the insured for the same.

                                 

                                                    Two 0 0 years in June 18th

      

Accessories: Zhuhai City Bar AssociationInsurance services group mail list

 

	Member list	Company	Contact telephone number	Fax
Collar The guide Small Group	He Xiaolong	The general manager of Zhuhai branch	3360098	3344609
Yang Yonglong	Zhuhai Center branch two nuclear director	3360009	3360080
Science Compensate Department	Yang Yonglong	Zhuhai Center branch two nuclear director	3360009	3360080
Huang Rongwei	Zhuhai Center branch of Surveying	3360029	3360080
Zhou Guowei	Zhuhai Center branch of Surveying	3360029	3360080
Cai Liwei	Zhuhai branch underwriting executor	3360803	3360080
Zhang Guangcheng	Zhuhai branch underwriting executor	3360803	3360080
Service Wu Department	ChenSaid	Zhuhai Center branch business department manager	Office telephone: 3360923 13697775656
Call to the police	95512

 

 

 

 

 

 

 

 

 

 

Chinese Ping An Property Insurance Limited by Share Ltd

Ping An insurance lawyer occupation liability clause

 

General provisions

Article 1Covered by insurance, the insurance contract, insurance policy, a single insurance certificate and endorsement. Relating to the insurance contract, shall be made in written form.

Article secondWhere in the China within the territory of China (not including Hong Kong and Macao) can be established in accordance with the law to the law firm as the contract of insurance of the insured.

 

Insurance liability

Article thirdIn the back stage during the period of insurance or insurance contract, the insured registration law (hereinafter referred to as the "registration law") in Chinese within the territory of China (not including Hong Kong and Macao) for legal business entrusted by the client, the responsibilities and obligations of negligent act not its business should do, cause the principal and interest the relationship between human economic losses, the principal and the interested parties in the insurance period for the first time to the insured the request for damages, in accordance with the laws of people's Republic of China (not including the legal Hong Kong and Macao) economic liability assumed by the insured, the insurer shall indemnify according to the contract of insurance.

Article fourthAfter insurance accident happens, the insured when the insurance accident and be brought to arbitration or litigation, the corresponding payment paid by the insured and the arbitration or litigation expenses in advance by the insurer the written consent of the other necessary, reasonable fees (hereinafter referred to as the "legal fees"), insurance according to the insurance contract is also responsible for compensation.

 

Exemption from liability

Article fifthHave any of the following circumstances, the insurer shall not be liable for:

(a) is the scope of legal business of insurance of people engaged in outside law firms practising license or business license approved;

(two) the insured and registered lawyers beyond the authorized scope of the principal handling business;

(three) the insured practice license, the business license of the law firm is cancelled, revoked during withdrawal, or registered lawyers before obtaining a law lawyer qualification or does not hold a valid certificate, or the certificate is the law business undertaking cancellation, revocation, withdrawal period;

(four) registered lawyers without the consent of the insured legal services legal services to host or join in the insured before the contractor.

Article SixthThe causes of loss, expenses and liability, the insurer shall not be liable for:

(a) the insured, the insurer is intentional act or gross negligence of the, fraud, malicious collusion harm the principal's interests;

(two) the war, hostilities, armed conflicts, military action, riots, strikes, riots, terrorist activities;

(three) nuclear radiation, nuclear explosion, nuclear and other radioactive contamination;

(four) air pollution, land pollution, water pollution and other pollution;

(five) the legal policy administrative action, judicial action or state;

(six) earthquake, tsunami, volcano eruption, lightning, flood, storm, typhoon, tornado, storm, snow, hail, ice, mud rock flow, cliff collapse, landslides, sudden landslides, sudden ground subsidence and other natural disasters;;

(seven) registered lawyers are accused of libel or slander others, the court convicted.

Article seventhThe following losses, expenses and liability, the insurer shall not be liable for:

(a) the insured or the employee's personal casualty and property losses or management;

(two) by the contract liability insurer should bear, but still should be no contract exists when the insured bear the economic liability does not apply;

(three) a fine, and the punitive compensation;

(four) the spirit damage compensation;

(five) the indirect loss;

(six) the applicant, the insured or registered lawyers already knows or can reasonably foreseeable claim in insurance before;

(seven) is the occurrence of the insured and the trustor fails to conclude a written contract in case of claims;

(eight) the insured to the client or third party bodily injury and property damage or loss;

(nine) the deductible stated in the insurance contract.

Article eighthThe other does not belong to the scope of the insurance liability losses, expenses and liability, the insurer shall not be liable for.

 

The compensation limit and deductible

Article ninthLimit of indemnity including every accident compensation limit, aggregate limit of indemnity, shall be determined by the insured and the insurer, and specified in the insurance contract.

Article tenthDeductible per accident by the insured and the insurer negotiation when signing an insurance contract, which shall be stated in the insurance contract.

 

During the period of insurance

Article eleventhUnless otherwise agreed, the insurance period is one year, to the end of time specified by the policy prevail.

 

The insurer obligation

Article twelfthAfter the establishment of the insurance contract, the insurer shall issue an insurance policy or other insurance certificate to the applicant time.

Article thirteenthThe insurer in accordance with the twenty-fourth agreement, that the insured provide proof of the claim and incomplete information, it shall timely notify the applicant once, the insured person to provide supplementary.

Article fourteenthInsurance receipt of the insured's compensation insurance request, should be timely verification whether to belong to the insurance liability; complex, the insurer will determine the basic material collection is the insurance liability complete, make approved as soon as possible.

The insurer shall be informed of the results of the insured; belonging to the insurance liability, and ten days after the insured reached a compensation insurance agreement, perform the obligation of compensation insurance. The term of compensation insurance contract has an agreement, the insurer shall fulfill the obligations agreed compensation insurance. The insurer according to provisions of the preceding paragraph make approved, does not belong to the insurance liability, it shall make check within three days from the date of notice issued to the insured compensation insurance, and explain the reasons.

Article fifteenthThe insurer within sixty days from receiving compensation insurance claims and related evidence, the date information, determine the amount of compensation insurance can not, should be determined by the evidence and data amount to pay in advance; the insurer will determine the amount of compensation, it shall pay the balance.

 

The insured, the insured obligations

Article sixteenth In concluding an insurance contract, the insurer on the situation, the subject matter of the insurance or the insured's questions, the applicant shall truthfully inform.

The insured intentionally or through gross negligence fails to fulfill the obligation, enough to affect the insurer to decide whether or not to agree to accept the insurance or to raise the insurance premium, the insurer has the right to terminate the insurance contract.

Right to terminate the contract as prescribed in the preceding paragraph, since the insurer that has lifted the date, more than thirty extinguished. More than two years from the date of the contract, the insurer may not terminate the contract; insurance accident occurs, the insurer shall be liable for indemnity.

The applicant intentionally fails to perform his duty of disclosure, the insurer for the insurance accident occurred prior to the termination of the contract, shall bear no obligation for indemnity, and does not return the insurance premium.

The insured due to gross negligence, fails to perform the duty of disclosure, there are serious influence the occurrence of the insured event, the insurer for the insurance accident occurred prior to the termination of the contract, shall bear no obligation for indemnity, however, shall return the insurance premium.

The insurer in the contract already know the applicant did not truthfully informed, the insurer may not terminate the contract; insurance accident occurs, the insurer shall be liable for indemnity.

Article seventeenthUnless otherwise agreed, the insured shall pay the insurance premium when the insurance contract is established.

Agreed one-time delivery insurance premium, the insured shall pay in the future delivery insurance premium, the insurer is not liable to pay before the occurrence of an insured accident.

Agreement of installment premium, the insured accident insurance actually collect insurance amount and the insured shall deliver the premium proportional responsibility of insurance, the insured shall deliver the premium refers to as the insurance accident happens the insured according to the total premium should pay by installment.

Article eighteenthThe insured and registered lawyers should abide by professional discipline, occupation ethics, abide by the state laws and regulations, strengthen management, to take reasonable precautions, try to avoid or reduce the occurrence of accidents.

The insurer may of the insured to comply with the agreement of the inspection, to the insurant, be put forward written proposals to eliminate unsafe factors and risks of the insurer, the insured, the insured should conscientiously implement. But the examination does not constitute the insurer any admission to the insured by.

The insured, the insured has failed to perform the security obligations, the insurer has the right to demand for increase in the insurance premium or to terminate the contract.

Article nineteenthIn the period of validity of the insurance contract, the insured risk degree increased significantly, the insured shall notify the insurer, the insurer can increase the insurance premium according to the provisions of tariff or rescind the contract.

The insured fails to perform the obligations stipulated by the notice mentioned in the preceding paragraph, the degree of risk to the subject matter of the insurance increased significantly and the occurrence of an insured accident, the insurer shall bear no obligation for indemnity.

Article twentiethThe insured shall provide for the formal employment lawyer register and submit proof of employment insurance. In the period of insurance, the insured registration law changes, the insured shall be the date of change in three months will personnel lists available to the insurer. Registered lawyer qualification by the national legal department.

If the insured fails to fulfill the obligations under this article, because of the dangerous level of insurance mark significantly increased and the occurrence of accident insurance, the insurer shall not be liable for.

Article twenty-firstKnow the insurance after the accident, the insured should:

(a) to take the necessary, reasonable measures, to prevent or reduce losses, otherwise, for the loss so the enlarged, the insurer shall not bear the liability of compensation;

(two) the timely notice to the insurer, and a written explanation, the accident and loss; intentionally or through gross negligence is not timely notice, the property of insurance accident, reason, the extent of the loss is difficult to be determined, the insurer to determine the part, not bear compensation liability insurance, but by other people pathways have been timely knows or should know in time except insurance accident;

(three) to protect the scene of the accident, allow and assist the insurer for accident investigation; for to refuse or obstruct the investigation into the accident insurance people unable to determine the cause of the accident or check losses, to determine or verify part of the insurer, does not assume liability to pay compensation;

(four) involving illegal, crime, should be reported to the public security department immediately, otherwise, for the loss so the enlarged, the insurer shall not bear the liability of compensation.

Article twenty-secondThe victim's damage compensation request is received from the insurer, shall immediately notify the insurer. Without the written consent of the insurer, is any commitment, the insurer of the victim to refuse, bid, contract, payment or compensation, the insurer is not bound by the. For the amount of compensation for the insured to commitment or payment, the insurer has the right to re approved, does not belong to the scope of insurance liability or be beyond limit of indemnity, the insurer shall not bear the liability of compensation. Processing the claim, the insurer has the right to dispose of any claim by the bear the ultimate liability to pay compensation, the insured has the obligation to provide the available information and assistance to the insurer.

Article twenty-thirdThe insured that may occur litigation, arbitration, it shall immediately notify the insurer in writing; received a court summons or other legal documents, should be promptly sent to the copy of the insurer. The insurer has the right to the name of the insured the litigation or arbitration matters, the insured shall provide the relevant documents, and give necessary assistance.

Due to not timely provide the notice or necessary assistance led to the expansion of the losses, the insurer is not liable for compensation.

Article twenty-fourthThe insured claims for compensation, should provide the following proof to the insurer and the data:

(a) the original insurance policy;

(two) the insured or their representatives fill out a claim form;

(three) the insured's copy of the business license and the relevant documents;

(four) the insured signed a contract with the client and claims about the contract;

(five) was signed by insurance and the trustor and the interested parties of the compensation agreement or settlement agreement; the judgment or arbitration, should provide the written judgment or arbitral documents;

(six) the insured, and confirm the insurer can offer accident insurance of the nature, causes, extent of damage and other relevant certificates and materials.

If the insured fails to perform the obligations agreed claim material, leading to the insurer cannot verify losses, the insurer of unable to verify part does not assume liability to pay compensation.

 

Treatment of claim

Article twenty-fifthOne of the insurer's compensation in the following manner determined by liability insurance is based on human:

(a) the negotiation to the insured and the request for damages and the insurer confirmed;

(two) the award of arbitration agency;

(three) the decision of a people's court;

(four) other methods approved by the insurer.

Article twenty-sixthThe insured caused harm to the third party, the insured to the third party without compensation, the insurer is not liable to the insured to pay the insurance money.

Article twenty-seventhOccurrence of the loss of insurance coverage, insurance compensation calculated in the following way:

(a) for each of the losses caused by the accidents, the insurer compensation calculated in each accident compensation within the limit, the amount of compensation shall bear the expenses for each accident does not exceed the limit of indemnity of 10% per accident, unless otherwise stipulated in the contract.

(two) on the basis of this article (a) based on the calculation, the insurer compensation after deducting deductible per accident after;

(three) in the insurance period, third, the terms of the insurer undertakes the accidents of the provisions of article four of the amount of compensation and does not exceed the total aggregate limit of indemnity.

Article twenty-eighth When insurance accident happens, if the insured losses in the same security of other insurance under can also obtain compensation, thenThis insurance in accordance with the sum of compensation quota limit compensation to the insurance contract and other insurance contract and the contract of insurance of liability ratio.

The amount of compensation to the insurer shall be liable for the other, the insurer is not responsible for finance. If the insured fails to truthfully inform the insurer to pay damages caused, the insurer has the right to recover the insured to pay part of.

Article twenty-ninthPlace within the insurance loss, shall be borne by the responsible party to be responsible for the compensation, the insurer to the insured indemnity insurance gold date, the amount of compensation scope of subrogation insured to the responsible party to request the right to compensation, the insured shall provide the necessary documents related to the insurer and know.

The insured person has from the responsible party to obtain compensation, the insurer pays the insurance money, deduct the amount of compensation the insured has been made from the relevant responsible party.

After insurance accident happens, before the insured does not compensation insurance, the insured waives the right of indemnity to the responsible party, the insurer is not liable for damages; if the insured after compensation insurance, the Insured agrees to give up on the responsible party of compensation request right without insurance, the invalid; due to the insured intentionally or through gross negligence causes the insurer is unable to exercise the right of indemnity by subrogation, the insurer may be deducted or request the return of the corresponding insurance gold.

Article thirtiethThe insurer accepts the report, field mapping, nuclear damage pricing, participate in litigation, to provide advice behavior does not constitute the insurer, insurance liability for commitment.

Article thirty-firstThe period of limitation of action the insured indemnity insurance for two years, since it knows or should know the insurance accident date calculation.

 

Dispute settlement and legal application

Article thirty-secondDue to the performance of the insurance contract disputes, settled by the parties through consultation. If no agreement is reached through consultation, to submit to arbitration agency specified by the policy; policy does not specify arbitration and dispute after the failed to reach an arbitration agreement, to a people's Court of the people's Republic of China in accordance with the law.

Article thirty-thirdThe people's Republic of China law dispute handling the insurance contract (not including the laws of Hong Kong and Macao).

 

Other matters

Article thirty-fourthThe applicant and the insurer may change the contents of the contract negotiation.

Any amendments to the insurance contract shall be made by the insurer, the insurance policy or other insurance certificate notation or attach a rider, or the insured and the insurer a written agreement of amendment.

Article thirty-fifthThe applicant may at any time terminate the insurance contract in written form, the contract of insurance the insurer from the receipt of the written request for the insured date when twenty-four termination. Before the commencement of the insurance liability, the applicant requests the termination of the contract, the insurer to deduction of 3% handling fee, the remaining part of the insurance premiums shall be returned to the applicant; after the commencement of the insurance liability, the applicant requests the termination of the contract, the insurance fees during the period of insurance liability to the date to the date of termination of the contract, according to the short-term rate of admission, the remaining part shall be returned to the applicant.

The insurer may terminate the insurance contract. The commencement of the insurance liability, the insurer to terminate the contract, shall not charge a handling fee to the applicant and shall be refunded the insurance premium; after the commencement of the insurance liability, the insurer can be fifteen days in advance notice to the insured cancelling the contract, the insurance liability to the date of termination of the contract the date of the period of insurance, daily the proportion of land, the remaining part shall be returned to the applicant.

Article thirty-sixthThe accident occurred insurance and the insurer has to assume liability to pay compensation, within thirty days from the date of compensation to the insurer, the insured may terminate the contract; unless otherwise agreed in the contract, the insurer may terminate the contract, but shall notify the applicant fifteen days in advance.

On the basis of the provisions of the preceding paragraph shall terminate the insurance contract, the insurer shall deduct the aggregate limit of indemnity has compensation insurance remaining amount after the deduction, in accordance with the contract, since the beginning of insurance responsibility to the date of termination of the contract date receivable part, shall be returned to the applicant.

 

Interpretation

[] registered lawyers that have legally obtained lawyer qualification and certificate, the insured hired lawyers.

[back] refers to the period from the insurance period specified back date to the date of the initial period of insurance.

[] during the period of insurance refers to in order to determine the principal for the first time to the insured claims time range, a period as agreed by the applicant and the insurer and the insurance policy in general, for a year.

[principal] refers to the insured and commissioned by the signing of the contract, the insured shall entrust legal business people.

The intentional act] [in this clause, indicating the behavior know their causes the principal economic losses, there is still causing or allowing the behavior.

[] each accident which the client for the insured due to negligence of the principal economic loss in undertaking the same legal business process and to individual claims or series of claim the proposed insured.

In addition to the above definition, for other professional terminology understanding of relevant laws and regulations, with the interpretation of.

      Tracking service personnel: Chen      Tel: 13697775656 3360923

 

 

 

 

 

 

 

 

Matters needing attention

 

1, there are assistant lawyer law firm shall provide legal assistant identity cards, academic certificates, labor contract, lawyers association proof copies. Those who need a lawyer assistant signature or ratification of lawyers work efficiency, a lawyer handwritten signature and stamp. Change assistant list data, in providing the above the zero effect.

At the end of 2, a lawyer by his law firm agreed, to accept authorization or practice does not belong to the responsibility of insurance.

3, law firms and lawyers should pay attention to the reasonable suggestions for people of insurance, and to be improved, to prevent the accident risk, accident or accident may occur shall timely notify the insurer.

4, the period of insurance to claim, that is due to the fault of the insured, make client suffered economic loss cases, both in the insurance period occurred in the back period, the client must be in the first period of insurance to the insured claims, insurance personnel responsible for compensation.

5, back for a period of five years.

6, free legal services not covered, except for the administrative department in charge of the lawyers' Association Legal Assistance mission.

7, a lawyer should copy on receipt of original evidence principal, then made a sign in the list, list and copies stamped firm seal, together to personal archives, the important evidence, firms and lawyers should be reasonable guard duty. The insurer has the right to home checks to confirm. Contact with the applicant in advance, arranged by the insured. When claims law firm has the obligation to provide a copy of the list and the evidence.

8, the claim, the insurer required to produce relevant original documents (clause seventh), such as false information, sufficient to cause the contract is not established or increase the insurance companies underwriting risk, the insurer may reject or partial compensation. Therefore, firms usually should work registration, account registration, custody and the principal contract.

9, the lawyer to assist in the power of attorney assistant work, should fully consider the assistant responsibility and ability.

10, lawyer and client colluding to defraud insurance compensation insurance accident event, we reserve the right to the media exposure.

11, service commitment: if the place within the insurance accident, the company will send personnel to provide full tracking service,

To ensure that every accident is solved properly. The self insurance company Lawyers liability insurance law, according to the format of the terms of charges, and do not enjoy special agreement.

      Tracking service personnel: Chen      Tel: 13697775656 3360923

12, the insurer of insurance related affairs of the insurer for inspection, must first contact with the applicant, arranged by the insured.

13, complaints Tel: 3360009   Yang Yonglong