1, Sunshine Driving Worry-Free Accident Insurance is the best-selling online insurance, and the insurance policy and invoice are officially issued by the insurance company.
Please read the health notice carefully when you apply for insurance, and please fill in the name, ID number, mobile phone number, email address and other contents accurately. The first premium of Sunshine Driving Worry-Free Accident Insurance supports WeChat or Alipay payment. After the payment is completed, you will receive the electronic insurance policy of Sunshine Driving Worry-Free Accident Insurance and the SMS reminder of successful insurance. In the second year of short-term insurance, the payment will be renewed according to SMS reminder, and in the second year of long-term insurance, the bank will directly withhold it. After successful insurance, long-term insurance requires a policy return visit. Please go to the insurance company official website in time to verify the accident-free insurance policy for sunshine driving.
2. Electronic insurance policy
Electronic insurance policy replaces the traditional paper insurance contract with electronic documents. Customers can query, download and print insurance policies through the official websites of insurance companies or insurance intermediaries, and can verify the validity of insurance policies online. Customers do not need to provide insurance policies when dealing with the security and claims of electronic insurance policies. Electronic insurance policy has unique advantages such as safety, high efficiency, worry-free, convenience and environmental protection. According to Article 11 of China's Contract Law and Article 13 of China's Insurance Law, data messages have been listed as the legal form of contracts. According to Article 14 of China's Electronic Signature Law: "A reliable electronic signature has the same legal effect as a handwritten signature or seal." It can be seen that qualified electronic signatures have corresponding legal effect. Therefore, electronic insurance policy and paper insurance policy have the same legal effect.
3. Insurance function
Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract. From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.