I didn't sign the insurance contract, so I can't settle the claim. Because the insurance contract signed by the uninsured has no legal effect, it can be signed by its legal guardian in addition to insuring minor children.

China's "the Supreme People's Court on the application of

If the applicant or the agent of the applicant does not personally sign or seal it, but the insurer or the agent of the insurer signs or seals it on his behalf, it will have no effect on the applicant. However, if the applicant has paid the insurance premium, it shall be deemed as his approval of the act of signing or sealing on his behalf.

If the insurer or the insurer's agent fills in the insurance documents on his behalf, and it is confirmed by the applicant's signature or seal, the contents filled in on his behalf shall be regarded as the true intention of the applicant. However, unless there is evidence that the insurer or the insurer's agent has the relevant provisions of Articles 116 and 131 of the Insurance Law.

If the insurance contract is not signed by myself, you can apply for surrender. In principle, if the insurance contract is not signed by me, the guarantee will have no guarantee effect, and you can directly apply to the insurance company for surrender and return the full premium.

Test your anti-risk index, and experts will interpret it for you for free!