公共自行车人身意外伤害保险理赔问题研究(6)

crash of a plane, and so on. In addition, there are some accidents although can predict or avoid, but because they can not resist or perform their duties which is unable to avoid, should also be included in the scope of "accident", such as ship fire and forced to jump into the sea to escape, courageous fight with criminals and wounded. (4) non disease, disease caused by injury, although not what I can expect in advance, but this is the result of the human body itself, does not belong to an accident. For example, cerebral haemorrhage attack and become unconscious. (5) the body is injured, the object of accident injury must be the body of the insured person's part, and the fact that the injury was established (such as: electric shock but did not hurt the body, it is a fact that the injury was not established).

Two, public bicycle accident insurance claims the existence of the problem

Since 2008, China's first introduced public bicycle by the end of 2014, public bike system has spread all over the China's Anhui, Jiangsu, Shandong, Shanxi, Sichuan, Zhejiang, Hunan, Guangdong, Shaanxi, Gansu and other several provinces. Most of the city with a public bicycle are identified with the corresponding public bicycle accident injury insurance claims, such as (1) Hangzhou public bicycle after the insured cycling all personal accident injury insurance, leasing a third party liability insurance, members of the public during the use of urban public bicycle, if there is a road traffic accident, I injured, by the relevant personnel field survey and provide relevant proof can obtain the corresponding insurance compensation. At the same time, people in the use of public bicycles, accidentally caused by others.