Before carrying out the science popularization of relevant insurance knowledge points, you can take a look at this dry goods first: before buying insurance, you must first understand these key knowledge points!
According to Article 3 of the Insurance Law, if the insured or the insured's agent does not personally sign or seal the insurance contract, but the insurer or the insurer's agent signs or seals it on his behalf, it will have no effect on the insured. 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.
In principle, I need to sign the insurance, otherwise the insurance contract may not take effect, so the insurance company may refuse to pay the claim on this ground in the claim settlement link after the accident.
Generally speaking, the reasons why insurance companies refuse to pay compensation need to be reasonable and legal. If you encounter unreasonable rejection, this article can help you: If you encounter unreasonable rejection, you can do so!
But when the insured does not have civil capacity, such as the insured is a baby or a newborn, it is impossible for him to sign the insurance directly. In this case, the guardian can sign on behalf of him, but not by someone other than the guardian.
For example, to buy insurance for a newborn baby, because the baby does not have civil capacity, the guardian (usually parents) can sign for the baby, but grandparents are not allowed to sign (usually grandparents are not guardians of grandchildren).
In addition to the above situation, you need to pay attention to these precautions when you apply for insurance: super full! Everything you want to know about insurance is here.
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