Users may need to buy insurance to borrow money, that is, insurance companies provide guarantee services. Some users asked, is it true that PICC sued for compensation? Then let's briefly talk about this problem for everyone, hoping to help after reading it.
Is it true that PICC sued for compensation?
If the user is overdue on the platform for more than 90 days, the cooperative insurance company will compensate. After the debt is compensated, it doesn't mean that you don't have to pay it back, or you need users to deal with it. If you don't pay it back all the time, not only will you leave a compensation record on the credit report, but the insurance company may also sue the user.
Therefore, if the user receives the news that PICC is suing for compensation, it is probably true. It is suggested to negotiate with the active life insurance company before the trial, so as not to breach the contract again, otherwise it will be troublesome once it is enforced by the court.
Of course, some platforms will send information to debtors in the name of credit reporting agencies or courts in the process of debt collection, so some information may be untrue. Users are advised to check it clearly first, and then find the docking personnel to handle it. Generally speaking, insurance compensation will be more serious than overdue, so don't take any chances and deal with it quickly after overdue.
The above is the answer about whether it is true to sue PICC for compensation. Generally speaking, there is still a great possibility and users need to deal with it. If the user purchases the guarantee insurance service on the loan platform, and it is overdue for more than 90 days, debt compensation will be made, and if it is still not handled, it will be prosecuted.
Will you be sued in court after insurance compensation?
Under normal circumstances, insurance compensation is generally not prosecuted, as long as the money is returned to the insurance company later. However, if you don't pay back the money to the insurance company, you will be constantly being collected. If you don't pay the money all the time, and the amount owed is large, you may be sued.
Legal basis:
People's Republic of China (PRC) insurance law
Article 10 An insurance contract is an agreement between the applicant and the insurer to stipulate the insurance rights and obligations.
The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract.
An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract.
Article 11 When concluding an insurance contract, consensus should be reached through consultation, and the rights and obligations of all parties should be determined according to the principle of fairness.
Unless insurance is required by laws and administrative regulations, an insurance contract is concluded voluntarily.
Article 31 An applicant has an insurable interest in the following persons:
(1) me;
(2) Spouse, children and parents;
(3) Other family members and close relatives who have maintenance or support relations with the applicant other than those specified in the preceding paragraph;
(4) Workers who have labor relations with the insured.
Except as provided in the preceding paragraph, if the insured agrees that the applicant will conclude a contract for him, it shall be deemed that the applicant has an insurable interest in the insured.
When concluding a contract, if the applicant has no insurable interest in the insured, the contract is invalid.
Article 48 In the event of an insured accident, if the insured has no insurable interest in the subject matter insured, he may not claim compensation from the insurer.
Will Jiufuwanka bring a lawsuit to the court after the insurance compensation?
Insurance payment is an insurance company's repayment, which belongs to the overdue behavior of the insured, which will affect personal credit information and may also be sued by the platform.
Legal basis:
People's Republic of China (PRC) Civil Procedure Law
Article 17 The basic people's courts shall have jurisdiction over civil cases of first instance, except as otherwise provided by this Law.
Article 18 The Intermediate People's Court shall have jurisdiction over the following civil cases of first instance:
(1) Major foreign-related cases; (two) cases that have a significant impact in the region; (3) Cases determined by the Supreme People's Court to be under the jurisdiction of the Intermediate People's Court.
Article 119 A prosecution must meet the following conditions:
(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) Belonging to the scope of civil litigation accepted by the people's court and the jurisdiction of the sued people's court.
Will insurance compensation be prosecuted?
Insurance compensation also means that the insurance company will repay the loan on its behalf. The money is the loan amount plus the overdue premium and liquidated damages during the 80-day period, in which the claimed amount and overdue premium are fixed, and the liquidated damages are calculated as one ten thousandth of the claimed amount per day.
At present, there are loan insurance services similar to Ping An Pratt & Whitney. The borrower takes China Ping An (namely "China Ping An Property Insurance Co., Ltd.") as the credit guarantee, and the bank lends money.
Then your monthly repayment amount includes loan principal, bank interest and Ping An premium. Once overdue, and the time is more than 80 days, it will enter the claim settlement procedure.
1, within 80 days overdue, the repayment shall be made in time during this period, and the insurance company will not enter the payment procedure;
2. If loans overdue lasts more than 80 days, the lender will apply to Ping An for compensation, then Ping An will compensate the lender with the remaining arrears and overdue interest, and then the lender of this loan will change from a bank to Ping An.
Insurance compensation belongs to the overdue behavior of the insured, which will affect personal credit information and may also be sued by the platform.
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