1 From scope of cover to claim duties
The product name is only an entry point; the answer depends on cover, cause and responsibility.
Five-field product map
- First identify whether the cover protects property, liability, income, expenses or a fixed benefit. Exam
- Read insured perils with exclusions; a product name does not prove that every similar loss is covered. Trap
- For liability insurance, establish legal responsibility to the third party before checking policy cover. Definition
產品卡
Give each product one five-field card: subject, peril, exclusion, settlement and evidence.
Claims timeline
- After a loss, protect people and take reasonable steps to mitigate damage. Exam
- Notify the insurer promptly, preserve evidence and provide information; do not admit third-party liability without authority. Trap
- Coverage, amount of loss and method of settlement are three separate questions. Compare
時間線
Place each option before loss, at loss, after notice or after payment; timing often removes a distractor.
