公共自行车人身意外伤害保险理赔问题研究(5)

accessibility of public transport; at the same time, the development of public bicycle transport, compared to the bus, subway has the advantages of low cost, remarkable results and save road resources, alleviate the pressure of the parking, advantageously alleviated the "driving and parking is difficult problem of urban areas have become increasingly prominent. In the mitigation of air pollution and national fitness has played an indispensable role, so more and more people in the choice of public bicycle travel has become a trend. As the saying goes, "Woe Fu Fu, Fu Xi disaster", every kind of things will have two sides, the public bicycle in the actual use of the process, but also brought a lot of problems. For example, in the course of the public in the ride of accidental injury, how to make claims? There is still a lack of relevant research, based on the above problems, in this paper, the people of public bicycle accident claims related matters were investigation analysis and look forward to in the future, the public bicycle system more reasonable operation and development to provide the beneficial reference.

One, the concept of public bicycle accident insurance claims

Public bicycles in existence in public bike system service site. The site is according to the planning of urban public traffic across a certain distance from the layout in the subway exit, the community gate, tourist attractions, such as people concentrated regional rental site, each site configuration 20 to 50 vehicles per public bicycle, through public bicycle system can service public bicycle rental management station. Every public bicycles individually configurable lock car and card reader, citizens by handling by car card public bicycle rental service, each site interoperability, the convenience of the public on loan at the same time is also convenient return service.

Accidental injury is an event that causes the body to be injured by accident, often used in the insurance industry. In accordance with the common definition of the insurance industry, accidental injury refers to external, unexpected, non - intended, non - disease causes the body to be hurt by the objective events.

It is generally believed that no matter the reason or the result, the accident is an accident. Life-insurance company in our country are often defined as "accidental injury" in the policy as "alien, sudden, non - original, non - disease - the objective fact that the insured" s body is suffering". Accident is accident injury insurance underwriting risk, only very clearly divided into what is accidental injury, in order to ensure insurer in business integrity, favorable and advantages, but also beneficial to the growth and development of accident injury insurance system.

In the person accident injury insurance, insurance usually will hurt is not insurable and accident harm, special insurance accident and general insurable and accident damage these three. If the insured in the insurance within the period of validity, because of suffer involuntary, exotic, accidents happen suddenly, causes the body to suffer harm or death and disability, the insurance company will be in accordance with the provisions of the insurance contract that pays insurance gold of insurance. Therefore accident must meet the following conditions: (1) external factors caused, that is the insurance people outside of the body caused by the accident, such as gunmen, car accidents, food poisoning, drowning and other (2) burst, refers to accidents resulting in a moment, no longer, such as electric shock, drowning, and dropping. Occupational disease is due to the gradual formation of damage, it can be predicted and prevented, so it is not an accident. (3) the accident happened, refers to be insurance of people did not expect and unintended accidents, such as the