Issues that should be paid attention to when handling insurance claims for international freight
1. Submit a claim. Import and export cargo insurance claims can be divided into the following two situations:
1. If the export goods of international freight have suffered losses, the other party (importer) shall apply for a claim to the foreign claims agent stated in the insurance policy. The People's Insurance Company of China has established two agencies, which entrust foreign inspection agents and claims agents in major ports and cities in the world. The former is responsible for inspecting cargo losses. After the consignee obtains the inspection report, attach other documents and claim compensation from the issuing company. The latter can directly process the compensation case within the authorized amount and pay the compensation on the spot.
When an international cargo importer submits an import and export cargo insurance claim to our foreign claims agent, it must provide the following documents at the same time:
(1) Original insurance policy or insurance certificate;
(2) Transportation contract;
(4) Packing list;
(5) Letters, telegrams or other documents requesting compensation from the carrier and other third party responsible parties, as well as documents proving that the insured has fulfilled the required recovery procedures;
(6) An inspection report issued by a foreign insurance agent or a foreign third-party notary institution;
(7) Maritime report. Cargo losses caused by maritime accidents are generally paid by insurance companies, and the shipowner is not liable;
(8) Proof of damage to goods;
(9) Claim list; etc.
2. The import goods belonging to international freight have suffered losses, and the importer of our country shall file an import and export freight insurance claim application to the insurance company. When imported goods are found to be damaged or short after they arrive in our country’s ports, airports or inland, they should immediately notify the local insurance company and conduct joint inspections with the local national commodity inspection authorities. If it is determined that the loss falls within the scope of insurance liability, the local insurance company will issue a "Imported Cargo Defect Inspection Report." At the same time, for cargo damage accidents caused by foreign shippers, carriers, port authorities, railways or other third parties, as long as the consignee completes the recovery procedures from the above responsible parties, the insurance company will pay compensation. However, for the quality and specifications of the foreign consignor, the insurance company is not liable for compensation according to the terms of the insurance company. Instead, the consignee should ask the national commodity inspection agency to issue a notarized inspection certificate, and then the consignee will pass the foreign trade The company filed a claim against the shipper.
When the consignee of imported goods lodges a claim with the insurance company, the following documents shall be submitted:
(1) Import invoice;
(2) Bill of lading or import and export goods arrival notice, waybill;
(3) The unloading record and the weighing list at the later destination.
If the loss involves the responsibility of the shipper, an order contract must be provided. If there is a shipper’s letter of guarantee and the ship’s endorsement, they should also be provided together. If the loss involves the ship’s responsibility, a tally visa at the port of discharge must be provided. If there is an endorsement by the ship, it is also provided. Where the responsibility of the shipper or the ship is involved, the State Commodity Inspection Department shall conduct identification and certification. If the loss involves port loading and unloading and the responsibility of the inland, inland river or rail transport party, the freight records (business records) and joint inspection reports issued by the responsible party must be provided.
The consignee can file an import and export cargo insurance claim with the insurance company through the following channels: claim against the insurance company at the port of discharge for the loss of imported cargo by sea; claim against the destination insurance company specified on the international waybill for the loss of imported cargo by air ; Loss of imported goods by post shall be claimed to the destination insurance company indicated on the international parcel slip; loss of imported goods by land shall be claimed to the destination insurance company indicated on the international rail waybill.
2. Examine the responsibility and pay compensation. The insured can wait for the insurance company to verify the liability and pay the compensation after completing the above-mentioned related claims procedures and providing complete documents. In my country, there are two ways of indemnity for insurance companies:
One is to pay directly to the receiving unit;
The second is to centrally pay the relevant foreign trade companies, and then the foreign trade companies and the ordering units will settle the settlement.