中国大地车险理赔人员培训资料

中国大地车险理赔人员资料 中国大地车险理赔人员培训资料(2010_1) } 理赔委派经理考试参考目 一 填空: 1.机器损坏保险中,不论机器及其附属设备新旧程度如何,保险金额均按照 重置价值确定. 2.意外事故的构成必须具备意外发生的,外来原因造成的和突然发生的三个因素. 3.工程保险是(财产保险)和(责任保险)的综合保险. 4.安装工程一切险的保险期一般包括一个(试车期),它是安工险中最大的阶段. 5.建筑工程一切险只承保外来原因造成机器,设备,装置的损失,对本身原因造成的损失应由(机器损坏保险)提供保障 (外来风险)。 6.海上保险保障的海上风险有(自然灾害),(意外事故)和 7.(第三者责任险)挂车投保后与主车视为一体.保险人对挂车赔偿责任与主车赔偿责任所负赔偿金额之和,以(主车赔偿限额)为限. 二选择题 1.车险事故定损的基本要求包括(ABCD) A 修理范围仅限于本次事故所造成的车辆损失 B 区分事故损失和机械损失的界限 C 能修复的零配件,尽量修复,不要随意 D能局部修复的不能扩大到整体修理(主要是对车身表面漆的处理) 2.车辆的下列损失,在04版综合险条款中,保险人不负责赔偿的有: (ABC) A 人为刮损 B 轮胎单独损坏 C停放期间自行滑动所造成的损失 D 受保险车辆车上人员的意外撞击 3.对于水灾事故,下列说法不正确的是(BD) A 车辆在水中的浸泡时间越长,损失越重,同时也给合理定损带来难度,因此要突出一个”快”字. B 在涉水现场的车辆应尽快发动,及时驶入维修厂进行拆检定损 C 应重点检查发动机部分,主要有活塞,连杆,曲轴,缸套,缸体,缸筒 D 对机械运动件应该及时进行清洁干燥处理,对电气,电子元件和装饰部件应及时进行除锈,分解润滑处理 rational concept to allow network more in line with the objective laws of the future development of the city. 1.5.2 planning research areas: throughout the city, with an area of 13,000 km2, cover 2 districts and 8 counties of the city, including downtown and city levels. Planning range: main for City Center City, area for 1268km2, North to cases field Xiang, and Jin Pingzhen, and Gao Dian Zhen, and huangshazhen, and Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, South to horse home, and song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, West to baixizhen, and dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General target this items research to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center City, support city space of ordered expand for target, reference Yibin city integrated traffic planning (2014-2030 years) and the Yibin City City general planning (2013-2030 years) of research results, using science, and advanced of network research method, building more level, and more mode of track traffic system, Meet at different levels of the city's rail transportation needs and quality requirements. 1.6.2 target 1, refined urban development axis of urban development concepts, judgments, rail-guided downtown from solo to group-development of the network, from one Center to center city with axial development. 2, network planning adapted to Yibin City status and future development needs, demonstrates rational scale of rail transport to meet the needs 4.某外资企业在我国投保了涉外财产保险,并附加利润损失保险,财产的保险期限从1994年1月1日-1995年1月1日,估计企业受损后造成的营业中断期限为8个月.1994年6月30日,该企业发生火灾,于1995年6月30日生产全部恢复,则利润损失保险的保险期限是1年,赔偿期限是8个月 和实际赔偿期限是8个月(D) A、都是1年 B、 1年,8个月,1年 C 、1年,8个月,6个月 D、 1年, 8个月, 8个月 5车上责任险项下承运的货物发生保险责任范围内的损失,保险人按照(A)在赔偿限额内负责赔偿. A 起运地点价格 B目的地点价格 C 出险地点价格 D 合同规定地点价格 6比例再保险是以(A)为基础来确定分出公司自留额和接受公司分保额的再保险方式. A 、保险金额 B、 保险利益 C 、重置成本 D、 保险合同 7.以下属于逆选择的情况是(C) A 、损失概率低于平均水平的人急于购买保险 B、 低收入阶层的人急于购买保险 C、 损失概率高于平均水平的人急于购买保险 D 、高收入阶层的人急于购买保险 8.损失在免赔额之内,保险人不予赔偿,损失额超过免赔额时,保险人要赔偿全部损失,这属于(B) A 、绝对免赔额 B 、 相对免赔额 C、总计的免赔额 D、消失的免赔额 9.张三投保了家庭财产保险,室内财产的保险金额为20万元.在保险期间内发生保险事故,室内财产遭受损失,室内财产当时的实际价值22万元,重置价值25万元,当室内保险财产遭受全损和部分损失15万元时,因为家庭财产保险理赔按第一危险赔偿方式计算～在保险金额范围内可按实际损失偿付。所以保险公司应赔付的金额分别是(A) A 20万元和15万元 B 22万元和14.5万元 C 20万元和12万元D 22万元和15万元 10.下面属于安装工程一切险保险责任范围的是(C) A 设计错误造成的本身损失 B 纠正工艺错误所支付的费用 C 设计错误造成的其他财产的损失 D由于超负荷,超电压造成电气设备本身的损失 12.汽车刹车失灵会引起意外事故,这属于(D) A 、主观风险因素 B、 客观风险因素 C、 心理危险因素 D 、物质危险因素 2030 years) of research results, using science, and advanced of network research method, building more level-2030 years) and the Yibin City City general planning (2013-ace of ordered expand for target, reference Yibin city integrated traffic planning (2014ity sparch to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center City, support cnd dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General target this items reseen, aand song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, West to baixizhand Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, South to horse home, azhen,ge: main for City Center City, area for 1268km2, North to cases field Xiang, and Jin Pingzhen, and Gao Dian Zhen, and huangshy, with an area of 13,000 km2, cover 2 districts and 8 counties of the city, including downtown and city levels. Planning ranresearch areas: throughout the citrational concept to allow network more in line with the objective laws of the future development of the city. 1.5.2 planning status and future development needs, demonstrates rational scale of rail transport to meet the needsdevelopment of the network, from one Center to center city with axial development. 2, network planning adapted to Yibin City -roupguided downtown from solo to g-ments. 1.6.2 target 1, refined urban development axis of urban development concepts, judgments, rail, and more mode of track traffic system, Meet at different levels of the city's rail transportation needs and quality require2 13.在不定值保险合同中(C) A 、不列明保险金额 B 、约定好保险价值 C 、只规定保险赔偿的最高限额 D 、只规定保险赔偿的最低限额 14.下列属于我国企业财产保险的特约保险财产的是(C) A、专用基金开支,帐外财产 B、 成品,半成品,在制品,原 C、 金银,首饰,邮票,艺术品和其他珍贵财物 D、 土地,森林,水产资源及有价证券 15.在下列各种保险方式中,使用损失补偿原则的是(C) A、定值保险 B、重置价值保险 C、不定值保险 D、 人身保险 16.第一损失保险的保险金额通常是根据下列哪项确定?(C) A、 最大可能损失 B、 最大可信损失 C、 保险标的的实际价值 D、 保险标的的重置价值 17.存货的保险价值是指(A) A 出险时的账面余额 B 出险时的市场购买价 C 出险时的实际价值 18.某固定资产保险金额为20万元,出险时重置价值为25万元,财产实际损失8万元,保险人应该赔偿(B) A、 5.6万元 B、 6.4万元 C、 7.2万元 D、 8万元 19下列哪项不属于工程临时设施范畴(D) A 施工单位现场办公室 B 水泥仓库 C 临时道路 D起重机 20 责任保险主要承保被保险人在法律上应负的民事损害赔偿责任.民事责任包括(B) A 侵权责任和行政责任 B 过失责任和绝对责任 C 刑事责任和合同责任 D 契约责任和行政责任 21.营业额是指(B) A 损失前12个月的营业额 B 损失前12个月中相当于赔偿期间的营业额 C 发生损失之日前会计年度的营业额 22.以下属于我国的公众责任保险的除外责任的有(CDE) A、 诉讼抗辩费用 B 为减少赔偿责任支付的合理费用 C、被保险人的故意或者重大过失行为 D、战争 E、政府的没收,征用 23由于被保险人放弃对第三方的请求赔偿的权力或过错致使保险人不能行使代位追偿权力的,保险人有权根据实际情况采取(ACD) A 拒绝赔偿 B、 自书面之日起终止保险合同 pted to Yibin City status and future development needs, demonstrates rational scale of rail transport to meet the needsdevelopment of the network, from one Center to center city with axial development. 2, network planning ada-guided downtown from solo to group-uality requirements. 1.6.2 target 1, refined urban development axis of urban development concepts, judgments, railf track traffic system, Meet at different levels of the city's rail transportation needs and q2030 years) of research results, using science, and advanced of network research method, building more level, and more mode o-bin City City general planning (20132030 years) and the Yi-ity, support city space of ordered expand for target, reference Yibin city integrated traffic planning (2014his items research to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center Crget tWest to baixizhen, and dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General tato horse home, and song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, South n, and huangshazhen, and Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, . Planning range: main for City Center City, area for 1268km2, North to cases field Xiang, and Jin Pingzhen, and Gao Dian Zhelevels: throughout the city, with an area of 13,000 km2, cover 2 districts and 8 counties of the city, including downtown and city pt to allow network more in line with the objective laws of the future development of the city. 1.5.2 planning research areasrational conce3 C 已经赔偿的,保险人有权追回已经支付的保险赔款 D 相应扣减保险赔偿金 E 对被保险人行使代位追偿权 24.关于建筑工程一切险和安装工程一切险,以下说法正确的是(ACD) A 建筑工程一切险的保险标的从开工后逐步增加,安装工程一切险的保险标的变化不大 B 建筑工程一切险的标的遭受自然灾害损失的可能性比安装工程一切险的小 C 建筑工程一切险不存在试车风险 D建筑工程一切险和安装工程一切险对设计造成的错误都一律除外 25.雷击的破坏形式有(ACD) A 直接雷击 B 简介雷击 C 静电感应 D 电磁感应 26.下列污染引起的损失和费用属于建工险责任免除(ABCD) A 大气污染 B 土地污染 C 水污染 D核污染 27.”存货”项目包括的会计科目有(ABCDE) A、生产成本 B、库存商品 C、原材料 D、低值易耗品 E、委托加工物资 28.意外伤害保险的派生责任包括(ACD) A 医疗费用给付 B 残废给付 D 丧葬费给付 E 都不是 C 误工给付 29.产品责任保险的投保人和被保险人是产品的(AB) A、 制造者 B、销售者 C、 运输者 D、 消费者 30.道德风险是指与人的品德修养有关的无形因素。下列属于道德风险的有(ACED) A 建筑工程偷工减料 B 疏忽 C 欺诈 D 纵火 E 隐瞒 31.我司关于国内货运险代理理赔业务的规定中,实际损失金额在 3000 元以下的赔案,可以由代办公司全权处理,不必征求承包公司意见.(C) A 500 B 1500 C 3000 D 5000 32.根据目前集中核赔的政策,各直属分公司对进口和国内货运险案件(除拒赔和通融外)的核赔权限为(C) A 10万美元或者等值的人民币 B 5万美金或者定值人民币 C 2万美元或者等值人民币 D 1万美元或者等值人民币 33.下列案件由总公司两核中心过程管理的有(ABCD) A 估损超过2万美元的进口货运险案件 B 通融赔付案件 status and future development needs, demonstrates rational scale of rail transport to meet the needsdevelopment of the network, from one Center to center city with axial development. 2, network planning adapted to Yibin City -roupguided downtown from solo to g-ments. 1.6.2 target 1, refined urban development axis of urban development concepts, judgments, rail, and more mode of track traffic system, Meet at different levels of the city's rail transportation needs and quality require2030 years) of research results, using science, and advanced of network research method, building more level-2030 years) and the Yibin City City general planning (2013-ace of ordered expand for target, reference Yibin city integrated traffic planning (2014ity sparch to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center City, support cnd dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General target this items reseen, aand song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, West to baixizhand Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, South to horse home, azhen,ge: main for City Center City, area for 1268km2, North to cases field Xiang, and Jin Pingzhen, and Gao Dian Zhen, and huangshy, with an area of 13,000 km2, cover 2 districts and 8 counties of the city, including downtown and city levels. Planning ranresearch areas: throughout the citrational concept to allow network more in line with the objective laws of the future development of the city. 1.5.2 planning 4 C 拒赔案件 D 估损超2万美金或等值人民币的国内货运险案件 34.在一般海洋货物运输保险理赔中,被保险人/收货人需要向保险公司提供的单证有(ABCD) A、 提单 B、保单正本 C、 承运人关于货损的证明或理货单 D、发票和装箱单 35.如果我司承保的货物在海外出险,收货人向我保单规定的代理检验机构报案,则代理人无需我司再次书面授权,就可以进行的工作有: (ABD) A 收集有关单证 B 对受损货物进行检验 C 向承运人提起诉讼 D 缮制检验报告提交我司审核 36、以下属于机动车辆传统险中车辆损失险保险责任的是:,,;,, ,、保险车辆行使中平行坠落, ,、雷击、暴风、雪灾, ;、火灾、爆炸、倾覆, ,、保险车辆出险时～被保险人采取保护措施所支出的合理费用, ,、地震、泥石流、滑坡。 37、以下可以在机动车辆传统险中第三者责任险项下得到赔付的是:,,,, ,、车辆行使中与他车追尾～致使他车受损部分, ,、本车上的人员伤亡, ;、非被保险人或非被保险人允许的驾驶员使用保险车辆造成事故, ,、车辆在测试中碰撞他人, ,、车辆在被保险人的单位内行使时碰伤本单位员工。 38、以下关于施救费的说法正确的是:,,, ,、保险车辆出险后～失去正常的行使能力～被保险人雇用吊车及其他车辆进行抢救的费用, ,、停车费、保管费, ;、若在施救财产中含有保险车辆以外的财产～则应按保险车辆的新车购置价占施救总财产的实际价值的比例分摊施救费, ,、施救费用与车辆的修理费用应合并理算～二者之和以车辆损失险的保险金额为限, ,、以上说法都正确。 39、在机动车辆综合险中～车辆发生部分损失时～应按以下规定计算赔偿: ,,;, ,、以新车购置价确定保额的车辆～赔款,,实际修复费用,残值,×事故责任比例×,1,免赔率,, ,、以新车购置价确定保额的车辆～赔款,实际修复费用×事故责任比例×,1,免赔率,,残值, ;、保额低于新车购置价的车辆～赔款,,实际修复费用,残值,×,保额 f track traffic system, Meet at different levels of the city's rail transportation needs and q2030 years) of research results, using science, and advanced of network research method, building more level, and more mode o-bin City City general planning (20132030 years) and the Yi-ity, support city space of ordered expand for target, reference Yibin city integrated traffic planning (2014his items research to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center Crget tWest to baixizhen, and dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General tato horse home, and song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, South n, and huangshazhen, and Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, . Planning range: main for City Center City, area for 1268km2, North to cases field Xiang, and Jin Pingzhen, and Gao Dian Zhelevels: throughout the city, with an area of 13,000 km2, cover 2 districts and 8 counties of the city, including downtown and city pt to allow network more in line with the objective laws of the future development of the city. 1.5.2 planning research areasrational concepted to Yibin City status and future development needs, demonstrates rational scale of rail transport to meet the needsdevelopment of the network, from one Center to center city with axial development. 2, network planning ada-guided downtown from solo to group-uality requirements. 1.6.2 target 1, refined urban development axis of urban development concepts, judgments, rail5 /新车购置价,×事故责任比例×,1,免赔率,, ,、保额低于新车购置价的车辆～赔款,实际修复费用×,保额/新车购置价,×事故责任比例×,1,免赔率,,残值, ,、以上计算公式中～都不应考虑残值～因为在实际修复费用中已经扣除了残值。 40、在机动车辆综合险中～关于全车盗抢险～说法正确的是:,,;, ,、仅车上零部件、附属设备被盗窃～保险人可予以赔偿, ,、保险车辆全车被抢夺～经县级以上公安刑侦部门立案证实～满3个月未查明下落的～由保险人负责赔偿, ;、保险车辆被盗窃未遂造成保险车辆的损失保险人不负责赔偿, ,、保险车辆与驾驶员同时失踪～保险人可以赔偿, ,、保险车辆全车被抢劫～被保险人在索赔时未能提供原车钥匙的～增加3,的免赔率。 41、冰雪灾害险的保险责任包括:,,,;,,, ,、雪崩,,、冰陷,;、雪灾,,、冰凌,,、以上都是。 42、在机动车辆传统险中～关于赔偿处理～说法不正确的是:,;,, ,、保险人依据保险车辆驾驶员在事故中所负责任比例～相应承担赔偿责任, ,、保险车辆因保险事故受损或致使第三者财产损坏～应当尽量修复, ;、第三者责任事故赔偿后～对受害第三者的赔偿费用的增加～保险人在实事求是的基础上核定, ,、对第三者责任事故的赔偿达到保单载明的限额后～保单自动失效, ,、以上所法都不正确。 43、投保了基本险不计免赔特约条款～保险人对以下免赔规定～负责赔偿: ,,,, ,、车辆发生保险事故～保险车辆负主责～按条款规定免赔15,, ,、全车被抢劫～按条款规定免赔20,, ;、车辆发生保险事故～驾驶员未尽到保护现场的义务～按条款规定增加的20,的免赔, ,、单方肇事～按条款规定免赔20,, ,、第三方造成的事故但无法找到第三方～按条款规定增加10,的免赔。 44、在机动车辆综合险中规定的保险人的义务～主要有以下内容:,,,,,, ,、订立合同时～向投保人说明保险合同的条款内容, ,、在合同期内～变更合同的有关内容时～保险人应当在原保单上附贴批单, ;、在合同期内～投保人依法要求终止合同时～保险人应及时办理退保手续,如保险人延迟办理～保险车辆在延迟退保期间发生保险事故～保险人不应承担赔偿责任, ,、在合同期内～保险人要求终止合同的～应当提前15天通知投保人, ,、保险人收到索赔请求后～对不属于保险责任的～应当向被保险人发出《拒赔通知书》。 2030 years) of research results, using science, and advanced of network research method, building more level-2030 years) and the Yibin City City general planning (2013-ace of ordered expand for target, reference Yibin city integrated traffic planning (2014ity sparch to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center City, support cnd dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General target this items reseen, aand song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, West to baixizhand Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, South to horse home, azhen,ge: main for City Center City, area for 1268km2, North to cases field Xiang, and Jin Pingzhen, and Gao Dian Zhen, and huangshy, with an area of 13,000 km2, cover 2 districts and 8 counties of the city, including downtown and city levels. Planning ranresearch areas: throughout the citrational concept to allow network more in line with the objective laws of the future development of the city. 1.5.2 planning status and future development needs, demonstrates rational scale of rail transport to meet the needsdevelopment of the network, from one Center to center city with axial development. 2, network planning adapted to Yibin City -roupguided downtown from solo to g-ments. 1.6.2 target 1, refined urban development axis of urban development concepts, judgments, rail, and more mode of track traffic system, Meet at different levels of the city's rail transportation needs and quality require6 三 判断题: 1.对于业务质量优劣不齐,保险金额高低不均匀的保险业务,往往也采用超赔再保险方式来分散风险.( ?) 2.企业财产保险综合险不承保由于地震所造成的一切损失,以及堆放在露天或罩棚下的 保险标的以及罩棚由于暴风,暴雨造成的损失.除此之外的一切损失风险,企业财产保险综合险都承保.(?) 3.最大诚信原则对保险合同双方都有约束力.( ?) 4.根据保险利益原则,财产保险在保险事故发生时,人身保险在保险合同成立时,被保险人或者投保人对保险标的必须具有保险利益.( ?) 5.投保人或被保险人未尽到保证条款中的义务,就算它不是导致保险事故发生的近因,保险人仍然不承担保险责任.( ?) 6.根据最新的集中核赔原则,所有分公司的出口货运险赔案都由总公司双核中心 ?)估损超过2万美元以上的货源险由总公司两核中心负责。 负责过程处理.( 7.海洋货物运输保险中的”水渍险”是”淡水雨淋险”的简称.,?, 8.在大宗散装进口货物发生短少的情况下,保险人应该要求被保险人提供装运港的重量证明.( ?) 9.一捷达车投保了04版综合险条款的车损险,并约定行驶区域为郑州市.在保险期限内,该车在北京发生事故,造成车辆损失.保险人应该按照省内和境内的保费比例对被保险人的车损进行赔偿.(?) 10、车辆在停放期间自行滑动所造成的损失不属于综合险保险责任。,?, 11、不明原因产生的火灾属于自燃损失险保险责任。 ,?, 12、新增设备发生损失～保险人不实行免赔～在保险金额内按实际损失计算赔偿。,?, 13、受保险车辆所载货物意外撞击所造成的保险车辆的部分损失属于综合险车辆损失险的保险责任。,?, 14、单方肇事事故是指不涉及与第三方有关的损害赔偿事故～包括自然灾害引起的事故。,?, 15、附加了救援费用特约条款的～保险人对保险车辆的救援以保险车辆能够脱离 pted to Yibin City status and future development needs, demonstrates rational scale of rail transport to meet the needsdevelopment of the network, from one Center to center city with axial development. 2, network planning ada-guided downtown from solo to group-uality requirements. 1.6.2 target 1, refined urban development axis of urban development concepts, judgments, railf track traffic system, Meet at different levels of the city's rail transportation needs and q2030 years) of research results, using science, and advanced of network research method, building more level, and more mode o-bin City City general planning (20132030 years) and the Yi-ity, support city space of ordered expand for target, reference Yibin city integrated traffic planning (2014his items research to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center Crget tWest to baixizhen, and dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General tato horse home, and song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, South n, and huangshazhen, and Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, . Planning range: main for City Center City, area for 1268km2, North to cases field Xiang, and Jin Pingzhen, and Gao Dian Zhelevels: throughout the city, with an area of 13,000 km2, cover 2 districts and 8 counties of the city, including downtown and city pt to allow network more in line with the objective laws of the future development of the city. 1.5.2 planning research areasrational conce7 困境为限。保险车辆因保险事故而致救援的～应在本条款下进行赔付。, , 16、进口车辆可以按国产风挡玻璃投保玻璃单独破碎险～保险人按国产风挡玻璃承担赔偿责任。,?, 17、保险车辆发生全损～保险人按以下所列公式进行赔偿: 保险金额×事故责任比例×,1,免赔率,,残值 ,?, 18、保险车辆造成被保险人允许的驾驶员的人身伤亡可以在第三者责任险项下得到赔付。,?, 19、挂车投保第三者责任险后与主车视为一体～发生保险事故时～挂车引起的赔偿责任视同主车引起的赔偿责任。保险人对挂车的赔偿责任与主车的赔偿责任所负赔偿金额之和～不得超过主、挂车的赔偿限额之和。(?) 20.雷击造成公共供电系统断电,致使生产线上的在制品遭受损失是财产一切险的责任范围,而财产综合险属于除外责任.( ?) 21.弃权和禁止反言主要是约束保险人的.( ?) 22.水箱,水管爆裂属于机损险责任范围.( ?) 23.产品责任是产品在使用过程中因其缺陷而造成用户或者消费者或者公众的人 这里,承担赔偿责任的主身伤亡或者财产损失时应该负担的民事损害赔偿责任. 体可以是承运人.( ?) 24.利损险中的维持费用是指固定费用,如工资,水电费,广告费,租金等费用.(?) 25.保险合同中保险人是否对被保险人履行赔偿或给付保险金的义务,取决于约定的保险事故是否发生.( ?) 四 计算题: 1.一钢铁厂投保企业财产保险,固定资产保险金额300万元,流动资产保险金额100万元.在保险期间内发生保险事故,固定资产损失150万元,流动资产损失50万元.出险时,固定资产的重置价值280万元,流动资产的账面余额110万元,保险公司如何赔付? 答:固定资产赔偿:保险金额>保险价值,超额投保,应该按照实际损失赔偿:赔款=150万元 流动资产赔偿:保险金额<保险价值,不足额投保,应按照比例赔偿:赔款=100/110X50=45.5万元 五:案例分析: status and future development needs, demonstrates rational scale of rail transport to meet the needsdevelopment of the network, from one Center to center city with axial development. 2, network planning adapted to Yibin City -roupguided downtown from solo to g-ments. 1.6.2 target 1, refined urban development axis of urban development concepts, judgments, rail, and more mode of track traffic system, Meet at different levels of the city's rail transportation needs and quality require2030 years) of research results, using science, and advanced of network research method, building more level-2030 years) and the Yibin City City general planning (2013-ace of ordered expand for target, reference Yibin city integrated traffic planning (2014ity sparch to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center City, support cnd dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General target this items reseen, aand song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, West to baixizhand Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, South to horse home, azhen,ge: main for City Center City, area for 1268km2, North to cases field Xiang, and Jin Pingzhen, and Gao Dian Zhen, and huangshy, with an area of 13,000 km2, cover 2 districts and 8 counties of the city, including downtown and city levels. Planning ranresearch areas: throughout the citrational concept to allow network more in line with the objective laws of the future development of the city. 1.5.2 planning 8 1.某企业投保了机损险,在保险期限内,该企业一台价值50万元的机床在工作中被突发的洪水浸泡,损失率为30% ,企业向我公司索赔,请问应如何赔付? 答:按照我司机器损坏险条款除外责任中的第七款规定列明～突发洪水属于除外责任～所以本次事故不属机器损坏险责任范围～保险公司不应承担保险责任。应向客户讲明原因～加以拒赔。 2.某工程投保了建筑工程一切险及附加第三者责任险.在基坑开挖时发生意外事故,周围邻房(第三者财产)岌岌可危,承包商决定马上灌浆抢救.但是最终该房还是倒塌了.请问该事故中的灌浆费用是否属于保险责任?如果该邻房最后被成功的保护没有发生倒塌,灌浆费用是否属于保险责任?请说明理由. 答: 3.某搬运公司投保了公众责任险.一天在工作中公司员工不小心将客户所委托搬运的货物从高处掉下损坏.请问是否应该在公众责任险保单项下赔付?为什么? 答:该事故不应在公众责任险保单项下赔付～因为搬运公司在为客户搬运货物时～实际上已经和客户形成了运输合同关系～负有将客户所委托物品安全运达目的地的义务。按照公众责任险除外责任第一条～被保险人根据与他人的协议应承但的责任～。。。。。～所以此事故不应在公众责任险项下赔付。 六 名词解释: 1单独海损:在海上货物运输中～由自然灾害、意外事故或人为过失直接造成的只与单独一方利益有关的船舶或货物损坏。 2.预约保险单:保险公司承保被保险人一定时期内所有进出口货物使用的保险单。凡属于其承保范围内的货物一开始运输即自动按照预约保险单的内容条件承保。一般被保险人要将货物的名称、数量、保险金额、运输工具名称种类、航程起点和终点、起航日期等信息以书面形式通知保险公司。 3.交通事故:交通事故是指车辆驾驶人员、行人、乘车人以及其他在道路进行与交通有关活动的人员～因违反《中华人民共和国道路交通管理条例》和其他道路管理法规、规章的行为～过失造成人身伤害或者财产损失的事故。 4.新车购置价:是指在保险合同签订地购置与保险车辆同类型新车,含车辆购置税,的价格。 5.单方肇事事故: 单方肇事事故指不涉及第三者损害赔偿的事故～但不包括自然灾害引起的事故。 6.保险车辆推定全损:是指保险车辆在保险事故中整体损毁～或者保险车辆受损严重～失去修复价值～被推定全部损失。 7.车险中的第三者:是指除保险人与被保险人之外的～因保险车辆发生意外事故而受到损害的车外的人员伤亡及其财产损失。 8. 道德风险:道德风险是指在信息不对称条件下～由于不确定或不完全的合约～使负有责任的经济行为者不承担其行为的全部结果。 9. 逆向选择 10. 重置价值保险: 是财产保险中确定保险金额的一种方法。一般的财产保险都是按保险标的的实际价值投保～当保险标的物遭受损失时～保险人只能按原来被保险人投保的实际价值赔偿。当保险标的,如建筑物或机器设备,在遭受损失后必须重建或重置时～被保险人从保险人所获得的赔偿就不能适应这种情况。被保险人可以选择按重置价值保险的方式投保～即保险人允许被保险人以超过当时 uality requirements. 1.6.2 target 1, refined urban development axis of urban development concepts, judgments, railf track traffic system, Meet at different levels of the city's rail transportation needs and q2030 years) of research results, using science, and advanced of network research method, building more level, and more mode o-bin City City general planning (20132030 years) and the Yi-ity, support city space of ordered expand for target, reference Yibin city integrated traffic planning (2014his items research to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center Crget tWest to baixizhen, and dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General tato horse home, and song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, South n, and huangshazhen, and Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, . Planning range: main for City Center City, area for 1268km2, North to cases field Xiang, and Jin Pingzhen, and Gao Dian Zhelevels: throughout the city, with an area of 13,000 km2, cover 2 districts and 8 counties of the city, including downtown and city pt to allow network more in line with the objective laws of the future development of the city. 1.5.2 planning research areasrational concepted to Yibin City status and future development needs, demonstrates rational scale of rail transport to meet the needsdevelopment of the network, from one Center to center city with axial development. 2, network planning ada-guided downtown from solo to group-9 市价的财产重置价值作为保险金额～允许以旧换新。保险公司在签发此类保单时～一般都须附加"重置价值保险条款"以明确双方责任。在我国较少使用. 11. 重要事实:是指那些影响保险双方当事人作出是否签约、签约条件、是否继续履约、如何履约的每一项事实。 12. 最大诚信原则:保险合同当事人订立合同及在合同有效期内～应依法向对方提供足以影响对方作出订约与履约决定的全部实质性重要事实～同时绝对信守合同订立的约定与承诺。 13.意外伤害:是指在被保险人没有预见到或违背被保险人意愿的情况下～突然发生的外来致害物对被保险人的身体明显、剧烈的侵害地客观事实。 14.不可抗力:我国民法通则第153条规定～不可抗力是指不能预见、不能避免并不能克服的客观情况。 15.保险价值:是指保险合同双方当事人订立保险合同时作为确定保险金额基础的保险标的的价值。 16 危险单位:是指一次保险事故可能造成的最大损失范围。 17.自燃: 自燃是可燃物质在没有火焰等火源的作用下～因受热或自身发热并蓄热所产生的自行燃烧现象。 18.追溯期: 19.事故发生制:事故发生制是在保险有效内发生的产品责任,在今后的任何时间都可以提出索赔,而保险公司承担相应的保险责任。 20赔款发生制: 赔款发生制是在保险一下期之前设置一个追溯期,在这个时间段加保险有效期内发生的产品责任,并在保险有效期内提出索赔,则保险公司回承担相应的赔偿责 任。 八 简答题: 1.火灾必须具备的三个条件.请简述. 火灾指意外发生的～在时间或空间上失去控制可能蔓延扩大并造成经济损失的燃烧。火灾的构成有三个条件～一是有燃烧现象～即有热有光有火焰～二是偶然、意外发生的燃烧～三是燃烧失去控制并有蔓延扩大的趋势。 2.简述财产险理赔的主要环节. 答:财产险理赔的主要环节有受理案件、现场查勘、损失确定、受理材料、理算缮制、复审核赔、赔案审批、赔付结案、赔案归档共九个环节。 3.简述防灾防损工作的意义和主要内容. 答:保险防灾防损的意义有,一, 能够减少社会财富的损失以及人员的伤害～提高保险的社会效益。,二, 能够有利于保险公司降低赔付率～提高经济效益。防灾防损工作的主要内容包括1、参加防灾有关防灾组织～2、参加防灾宣传。3、进行防灾检查。4、参与抢险救灾。5、参与灾情调查。6、预付防灾防损费用。 保险公司做好防灾防损，主要为以下几项工作: 1.参加社会防灾组织，推动防灾工作。 2(进行防灾检查，消除隐患。 3(合理使用防灾费，改善社会安全设备。 4(分析、积累灾害事故资料，研究灾害事故规律，提供防灾信 ments. 1.6.2 target 1, refined urban development axis of urban development concepts, judgments, rail, and more mode of track traffic system, Meet at different levels of the city's rail transportation needs and quality require2030 years) of research results, using science, and advanced of network research method, building more level-2030 years) and the Yibin City City general planning (2013-ace of ordered expand for target, reference Yibin city integrated traffic planning (2014ity sparch to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center City, support cnd dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General target this items reseen, aand song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, West to baixizhand Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, South to horse home, azhen,ge: main for City Center City, area for 1268km2, North to cases field Xiang, and Jin Pingzhen, and Gao Dian Zhen, and huangshy, with an area of 13,000 km2, cover 2 districts and 8 counties of the city, including downtown and city levels. Planning ranresearch areas: throughout the citrational concept to allow network more in line with the objective laws of the future development of the city. 1.5.2 planning status and future development needs, demonstrates rational scale of rail transport to meet the needsdevelopment of the network, from one Center to center city with axial development. 2, network planning adapted to Yibin City -roupguided downtown from solo to g-10 息。 5(加强防灾工作理论研究，宣传和普及防灾知识。 6(与有关部门配合，积极开发防灾技术，推广有利于安全的新技术、新工艺、新设备。 4.简述医疗事故争议的处理途径. 答:根据《医疗事故处理条例》第十条、第十八条、第二十条、第二十二条、第四十六条～患方如果发现或怀疑医疗机构及其医务人员的医疗行为存在过失～并对患者造成了人身损害～可以有三种解决途径: 一是与医疗机构协商解决, 二是如果双方协商解决需要进行医疗事故技术鉴定的～或协商不成患方认为需要进行医疗事故技术鉴定的～前一种情况可以由双方共同向市级医学会申请医疗事故技术鉴定～后一种情况患方可以单方面向卫生行政部门提出医疗事故争议处理或医疗事故技术鉴定申请, 三是直接向人民法院提起医疗事故争议民事诉讼。 5.货物运输险被保险人有何义务? 答:.货物运输险被保险人义务包括1、投保人、被保险人应当履行如实告知义务，如实回答保险人就保险标的或者投保人、被保险人的有关情况提出的询问。 2、投保人在保险人或其代理人签发保险单(凭证)的同时，应一次缴清应付的保险费。 3、投保人、被保险人应当谨慎选择承运人，并督促其严格遵守国家及交通运输部门关于安全运输的各项规定，还应当接受并协助保险人对保险货物进行的查验防损工作，货物运输包装必须符合国家和主管部门规定的标准。 4、 保险货物运抵保险凭证所载明的目的地的收货人在当地的第一个仓库或储存处所时起，被保险人应在十天内向当地保险机构申请并会同检验受损的货物。 5、 被保险人获悉或应当获悉保险货物发生保险责任范围内的损失时,应立即通知保险人或保险人在当地保险机构,并迅速采取合理的施救和保护措施，减少货物损失。 6.一辆已经使用了10年的本田轿车,投保了车损险,三者险和基本险不计免赔险.在保险期限内,某天报案称该车在XX地点碰撞一棵树木后起火烧毁,有当地交警的事故证明.该案的疑点可能是什么?我司应如何进行火灾(含自燃)事故的现场查勘? 答:本案的疑点主要有三～1、本车年限较长～是否有故意制造事故～纵火骗保可能,2、本车年限较长～是否有因保养不善～机械故障引起事故的可能,3、车辆碰撞后起火～是否有酒后驾车的可能, 对机车险火灾现场的查看应按以下查勘的内容进行: ,1,对事故现场周遍环境进行勘验 ,2,对受损车辆进行勘验 查明车辆型号、车号、颜色、轮距～如果肇事后起火的车辆～还要查明前悬、后悬、接近角、离去角、车况、停放姿势、烧毁部位及程度～以及车内物品、油箱、操作台情况。 ,3,对火灾车辆行驶痕迹、燃烧痕迹及其他痕迹进行勘验查明遗留在现场物质或物品的来源、遗留时间、遗留方式～尤其对可疑物品的形态、特征、质量、气味、颜色、遗留原因～与事故车关系等。 重点勘查: 车辆底盘油管、油箱有无撞击痕迹～行车线路上有无妨碍安全行车的凸起物,车辆上的起火点和火势蔓延方向,检查记录事故车辆发动机号码、车架号码～以便确定是否属于保险责任。 -uality requirements. 1.6.2 target 1, refined urban development axis of urban development concepts, judgments, railf track traffic system, Meet at different levels of the city's rail transportation needs and q2030 years) of research results, using science, and advanced of network research method, building more level, and more mode o-bin City City general planning (20132030 years) and the Yi-ity, support city space of ordered expand for target, reference Yibin city integrated traffic planning (2014his items research to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center Crget tWest to baixizhen, and dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General tato horse home, and song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, South n, and huangshazhen, and Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, . Planning range: main for City Center City, area for 1268km2, North to cases field Xiang, and Jin Pingzhen, and Gao Dian Zhelevels: throughout the city, with an area of 13,000 km2, cover 2 districts and 8 counties of the city, including downtown and city pt to allow network more in line with the objective laws of the future development of the city. 1.5.2 planning research areasrational concepted to Yibin City status and future development needs, demonstrates rational scale of rail transport to meet the needsdevelopment of the network, from one Center to center city with axial development. 2, network planning ada-guided downtown from solo to group11 7.一次交通事故中,一辆本田车(投保了三者险)把李某撞成重伤,大腿截肢,可以安装假肢.出院一段时间后进行了评残 .在病史记录中发现受害人患有心血管疾病,在医疗费清单中有相关的药品费用支出.请问:在该案中进行人伤跟踪和核损应注意那些方面? 1、审核医疗费清单中原病史记录与这事故所有药的比例～防止伤者明显存在以 伤养成病的嫌疑。 2、注意防范医疗风险～由于存在医疗费用“买单”的心理～进行与本次事故无 关的超出普通检查的高额医学技术检查。 3、处理类似案件时～应严格按照“近因原则”区分医疗费是否则是由交通事故 引起合理的抢救治疗费用可以赔偿～但是常规的治疗费用不取决于交通事故 发生与否。 4、做好与医院的结合工作～使医生使用～普通药品进行治疗～减少以药养医现 象～降低医疗费用的支出。 5、在处理时～不能因为减少纠分～快速结案而走简易程序。 6、做好被保险人的思想工作～对于不应承担的责任要据理力争。 7、核定医疗损失时要确认单证的来源及单证的有效性～查询病历～防范欺诈现 象的发生。 8.作为理赔经理,对于夏季汛期财产险防灾理赔工作如何安排部署? (答案仅供 参考) 答:1.汛期防灾检查工作,对易出险的和上年出险地区和企业重点检查和关注. 2.汛期防灾检查整改意见(采取书面形式,送达被保险人签收) 3.做好汛期水灾理赔人员的培训,使其掌握理赔程序,能够胜任财产损失核定和查账工作. 4.水灾理赔要按照理赔程序操作(略) 5.成立现场理赔督导组,加强现场理赔指导. 6.及时汇总水灾中受损比较普遍和集中的保险标的情况,提出处理原则,便于理赔人员把握和操作. 7.加强与公估人的联系和沟通. 9.简述车险盗抢案件的查勘处理要点?(答案仅供参考) 答:1.现场查勘和走访2.询问笔录:重点,先准备好询问提纲3.与公安及其他相关部门的联系:确认盗抢事实,了解车辆报停情况4.随时跟踪,了解案件进展 10.简述人伤案件要求查勘处理要点? (答案仅供参考) 答:1.动态查勘(损失随着时间推移而变化) 2.提前介入,过程跟踪,参与协商,多方取证. 3.掌握事故经过及有关方面的事故记录 4.了解伤亡人员的个人情况和家庭情况 5.调查伤者伤势情况及住院地点 6.相关人员的调查笔录. 11.作为理赔经理,您认为做好中支理赔工作(客服)应从哪些方面进行管控? 答:作为理赔客服经理应从以下方面进行管控。 status and future development needs, demonstrates rational scale of rail transport to meet the needsdevelopment of the network, from one Center to center city with axial development. 2, network planning adapted to Yibin City -roupguided downtown from solo to g-ments. 1.6.2 target 1, refined urban development axis of urban development concepts, judgments, rail, and more mode of track traffic system, Meet at different levels of the city's rail transportation needs and quality require2030 years) of research results, using science, and advanced of network research method, building more level-2030 years) and the Yibin City City general planning (2013-ace of ordered expand for target, reference Yibin city integrated traffic planning (2014ity sparch to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center City, support cnd dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General target this items reseen, aand song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, West to baixizhand Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, South to horse home, azhen,ge: main for City Center City, area for 1268km2, North to cases field Xiang, and Jin Pingzhen, and Gao Dian Zhen, and huangshy, with an area of 13,000 km2, cover 2 districts and 8 counties of the city, including downtown and city levels. Planning ranresearch areas: throughout the citrational concept to allow network more in line with the objective laws of the future development of the city. 1.5.2 planning 12 1、 根据公司的经营服务理念～研究及开发适合公司实施为客户服务的项目～ 确保公司客服的规范性、高效性。 2、 研究统筹公司客户服务资源～提高客户服务品质～以有效维护客户资源。 3、 分析公司客户服务实施情况～检测服务水平面～为改进服务和决策提供 依据。 4、 直辖市95500及和其它各部门联系～使其不仅是一个服务平台～也将成 为一个销售平台。 5、 维护畅通的客户投诉渠道直接或间接提高客店满意度。 6、 定期或不定期组织查勘人员及客服人员进行学习～提高公司员工的专业 技能素质。 12.应从哪些环节规范未决案件的管理?如何控制估损差异率? 2030 years) of research results, using science, and advanced of network research method, building more level, and more mode o-bin City City general planning (20132030 years) and the Yi-ity, support city space of ordered expand for target, reference Yibin city integrated traffic planning (2014his items research to will Yibin city built Yangtze River upstream chuan Yunnan Guizhou combined Department Regional Center Crget tWest to baixizhen, and dish dam town, and thought slope Xiang West Township territories. 1.6 planning target 1.6.1 General tato horse home, and song home, and Li Zhuang Zhen, and South wide town, and Zhao field Street do South administrative border, South n, and huangshazhen, and Liu home town North Township territories, East Nan XI Zhen, and Jiangnan East Township territories, . 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