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在商业保险领域,保险合同纠纷已成为普遍现象。保险公司为防范法律风险,规定:在保险合同订立过程中,相关文书必须由投保人亲自签字;保险条款的内容应当明确、具体、详细;保险事故发生后现场勘察时,应由各方共同到场并对财产损失共同签字确认;投保人、被保险人或受益人提供的证明资料不完整的,应当以书面形式及时一次性通知提供;保险合同纠纷诉讼中应尽量通过调解解决。文章拟对保险公司业务操作中需要重点关注的几个问题进行初步探讨,以防范法律风险,维护投保人或被保险人、受益人和保险公司各自的合法权益。
In the field of commercial insurance, insurance contract disputes have become a common phenomenon. In order to prevent legal risks, the insurance company stipulates: During the process of establishing the insurance contract, relevant instruments must be personally signed by the applicant; the terms of the insurance clause should be clear, detailed and detailed; when the scene investigation after the insurance accident, all parties should be together And sign the property loss together. If the supporting information provided by the insured, the insured or the beneficiary is not complete, it shall be provided in time and in written form at one time. The litigation on insurance contract disputes should be resolved through mediation as much as possible. The article intends to conduct preliminary discussions on several issues that need to be focused on in the operation of insurance companies in order to guard against legal risks and safeguard the respective legitimate rights and interests of policyholders or insureds, beneficiaries and insurance companies.