Not long ago, the domestic valve manufacturer has been a consumer of foreign prosecution, claim the amount as high as several million euros, due to the production of valve leakage caused by the high-end villa with furniture, carpets, floor, and other property losses. Since the insurance of export product liability insurance, the valve business to the insurance company reported the receipt of insurance companies in the report, immediately start the claims process: on the one hand, require the manufacturer to provide valve-related products, in order to determine the cause The valve whether the accident was the responsibility of the insurer; On the other hand, commissioned at the country's claims, legal and third-party inspection agencies to investigate the cause of the incident and the actual loss. This greatly reduces the cost of export enterprises to deal with.
Insurance companies to provide legal services
Products that may exist in the design, manufacture, description, and other defects, leading to accidents. Domestic manufacturers to export products to deal with foreign-related litigation, will face justice abroad unfamiliar communication environment, dealing with events in life inevitably sparse. At this time on the need to export product liability insurance for legal aid to play.
And general property insurance, liability insurance products is not only responsible for damages as a result of the insured products, services deficiencies caused by a third party personal injury or property damage arising from legal liability; and insurance companies on behalf of the insured will defend, And bear the corresponding investigation and litigation costs.
It is understood that the insurance companies will be commissioned to investigate the case, including products, and the responsibility for the loss approved, but in the end will be the case on the basis of past incidents, recommend compensation. Product liability litigation, the court adopted abroad, the proportion of cases are relatively low, the proportion of out-of-court settlement is much higher. In the United States, the ratio between the two for six ninety-four.
However, not all customers are willing to accept the recommendation of the insurance companies, insurance companies may have misjudged their own price. In October 2002, the plaintiffs charged in the United States a roll of large-scale supermarket to buy the power cord caused by a home fire, resulting in the death of two babies. Although there is no evidence to confirm that the fire was caused by the power cord or the power cord is to buy from the supermarket, but plaintiffs still sue. At that time, the proposed insurance customers to 1,000,000 U.S. dollars to carry out-of-court settlement, but the proposal was not adopted by the customer. After two years, finally won the lawsuit supermarket, but this defense spending was as high as the cost of 1,600,000 U.S. dollars. As the insurance companies insist on litigation, insurance companies not to increase compensation for the cost of their own enterprises need to pay 600,000 U.S. dollars.
In 2004, a Home hanging equipment manufacturers in the United States are subject to prosecution. Insurance survey found that the plaintiff did not work in strict accordance with the operating manual, it raised 200,000 U.S. dollars-of-court settlement, the plaintiff always adhere to the 900,000 U.S. dollars of the amount of the claim. Finally announced that the jury was not at fault in favor of insurers, defense lawyer fees cost 140,000 U.S. dollars.
Lack of domestic product liability
It is reported that export product liability insurance claims service attaches great importance to the provision of legal aid, many insurance companies have this kind of strength. AXA Insurance in France as the world's more than 60 countries have set up a branch network of up to claim the world's 484 regions and cities; at the same time, with a number of well-known law firms, public assessment survey to establish cooperative relations.
Foreign assets of foreign insurance is usually the parent company of the business, or own businesses in China as a starting point for the development, in fact, domestic enterprises and foreign organizations which are the real target. Winterthur Insurance Hui Yuan Ying, deputy general manager of the view that foreign-funded insurance institutions to choose their own insurance understandable, but the Chinese market, the biggest attraction is its large number of enterprises and therefore do not have to worry about not doing business.
If the auto insurance than it is a price, product liability insurance fight is the strength of insurance companies. At present, the domestic product liability issues related to the amount of compensation is relatively low, at a lower cost manufacturers, insurance enthusiasm was not high. However, a meeting of product safety incidents, the Government has drawn attention to the safety of products, which is to promote the product liability insurance is essential.
"Sanlu milk powder incident" once again for the safety of products, a wake-up call. As at 8 o'clock on Sept. 15, the country diagnosis in children's milk consumption Sanlu 1253, 2 deaths. San Lu, and other companies will face a huge claim. If the insurance product liability insurance, insurance companies will Nantuo claims responsibility.
Yuan Ying-hui said that the manufacturers may claim only one part of the chain, but also involves wholesalers, retailers, importers, and so many ways. As a result, product liability insurance coverage of more and more objects, especially large-scale supermarkets, chain convenience stores, the types of goods, big difference in the quality of products, insurance is an urgent need to escort.
However, very few domestic product liability insurance to export products such as the provision of legal aid, this is a huge market to be developed.
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