Through compensation processing, existing problems and loopholes in disaster prevention and loss prevention work can be discovered, which can be used as a basis for strengthening and improving disaster prevention and loss prevention work. The quality of claims settlement is also related to the reputation of the insurance company, thus affecting its business development. Therefore, the following principles should be adhered to in claims settlement work: (1) Implement the eight-character policy of “active, prompt, accurate and reasonable”. Among them, proactive and prompt means that the insurance company takes the initiative to understand the damage situation after receiving the report from the insured, and the claims staff rushes to the site to investigate and quickly compensate for the losses, and enthusiastically provides services to the insured; accurate and reasonable means that it When settling a claim, responsibilities must be clearly distinguished, the loss must be determined accurately, and the compensation payment must be reasonable. This requires claims staff to have rich insurance expertise, be familiar with various insurance subjects, and master methods of identifying the causes of losses and estimating losses. (2) Honor the contract and keep promises. That is to say, the insurer must strictly abide by the terms of the insurance contract and respect the legitimate rights and interests of the insured when handling claims. (3) Seek truth from facts. These are the basic principles and requirements that should be followed in insurance claims settlement. This principle requires claims adjusters to base their judgment on the cause and nature of the insured accident based on facts and evidence when analyzing the case and handling compensation or payment cases, and must not make subjective assumptions. After investigation and review, once it is confirmed that an accident within the scope of insurance liability has occurred, the claim should be settled in accordance with the contract.
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