1. Notification Obligation of Insurance Accident The insured shall immediately notify the insurer after the occurrence of the insurance accident, and notify the insurer and its agent of the occurrence of the insurance accident and the damage. (See Article 2 1 of the Insurance Law for details) Its purpose is to enable the insurer to investigate the cause of the insured accident in time, verify the loss and take appropriate measures to prevent the loss from expanding. It is used to avoid increasing the difficulty of investigation due to delay, and to prevent the insured from concealing or destroying evidence and other fraudulent acts. If the insured fails to notify the insurer and its agent within a reasonable time after the insured accident, it will violate this obligation, and the insurer has the right to refuse compensation.
2. Obligation of Rescue Although the insured can obtain the agreed compensation from the insurer for its losses, the insurance legislation stipulates this obligation for the sake of protecting social wealth and preventing the insured from seeking improper interests, that is, the insured should take necessary and reasonable measures to rescue the insured in order to prevent or reduce the losses of the insured subject matter. (Article 4 1 of the Insurance Law) In order to urge the insured to fulfill this obligation, China's insurance legislation gives the insurer the corresponding right of notification-the insurer has the right to notify the insured to take reasonable measures to prevent or reduce losses after the insured accident occurs. After receiving this notice, the insured shall handle it accordingly according to the notice requirements of the insurer. At the same time, correspondingly, the insured has the right to ask the insurer to bear the necessary expenses incurred in fulfilling the obligation of rescue. (Article 4 1 Paragraph 2 of the Insurance Law) In case of violation of this obligation, the insurer shall not be liable for the expanded losses caused thereby.
3. Obligation to provide claim documents In order to obtain compensation from the insurer, the insured shall submit relevant claim documents to the insurer in accordance with the relevant insurance legislation and insurance contracts to prove the facts of the insured accident and the amount of loss. (Article 22 of the Insurance Law) Otherwise, the insurer will refuse to accept its claim.