해상 적하 보험의 구상 절차(Marine Cargo Insurance Claims Procedure) - 해상 손해 및 보험 청구 3
해상 적하 보험의 구상 절차(Marine Cargo Insurance Claims Procedure)
구 분 |
클레임 절차 |
피보험자의 클레임 통지 및 손배방지·경감 |
손해발생 즉시 보험자에게 클레임을 통지(Claim Notice)하고 운송회사에도 클레임을 제기하며 화물의 손해방지·경감조치를 하여야함 |
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보험자의 클레임 임시접수 및 손해 검정인 지정 |
피보험자로부터 클레임을 통보 받은 보험자는 클레임을 임시로 접수하고 손해 검정인(surveyor)을 지정하여 손해조사를 하도록 함 |
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피보험자 및 보험자의 정식클레임 신청 및 접수 |
피보험자는 Surveyor의 손해조사 결과에 따라 다음과 같은 서류를 구비하여 정식클레임 신청을 하고 보험자는 클레임을 정식으로 접수함 ※ 클레임 신청시 구비서류 - Letter of Claim(보험금 청구서한) - Insurance Policy(Original)(보험증권 원본) - B/L(분손시는 사본, 전손시는 원본 모두) - Commercial Invoice(상업송장사본) - Letter of Claim against Carrier and Their Reply (운송인에 대한 클레임 청구서 사본 및 이에 대한 회신) - Sea Protest(해난보고서 : 해난이 있었을 경우) - Letter of Abandonment (위부장 : 추정전손시) |
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보험금 수령 |
보험자는 상기 클레임 신청서류를 검토하고 담보위험으로 위험으로 인한 손해일 경우 보험금을 지급하고 피보험자를 대위하여 운송인 등으로부터 지급보험금을 회수함 |
Marine Cargo Insurance Claims Procedure
A. Duty of the Insured / Consignee / Its Agent or Representative
In case of any loss or damage to the cargo, it is a duty of the Insured / Consignee / Its Agent or Representative to take following procedures
1. Do no give clear receipt on the delivery order but to give such notice of loss or damage
2. In case of containerised cargo:
- Check carefully condition of the containers if it was damaged or holed.
- Check carefully condition of its seal if numbers is matched with the document or if it was damaged or cut.
- If it was found damage, Give such notice of loss or damage on the delivery order.
3. Immediately contact the carriers or its representative to do survey.
4. Immediately contact THE INSURANCE COMPANY to do joint - survey.
5. Immediately notify Police in case of traffic accident, theft or other malicious acts.
6. Take photographs showing details of container, its seal and numbers, its floor, wall and roof where it was damaged and condition of the cargo.
7. Write claim to the carriers holding them responsible for loss or damage.
B. Survey & Claim Reporting to THE INSURANCE COMPANY
Claim shall be reported immediately to THE INSURANCE COMPANY or Its survey agent in order to have the damage inspected to conclude the cause of loss or damage. Claim reporting shall not later than 7 days from the time loss or damage noticed.
It is a duty of the Insured to give THE INSURANCE COMPANY or Its survey agent an opportunity to inspect the damage, vessel, interview with the master and crews and other related parties.
C. Documentation
- Claim Form
- Original Insurance Certificate / Policy
- Original Bill of Lading
- Invoice
- Packing List
- Delivery Order
- Official damage / Survey Report
- Letter of claim against the carriers and their reply
- Estimated cost of repair
- EIR (Equipment Interchange Receipt)
- Ship accident report and complete of its document
- Police report (in case of theft or traffic accident)
- Picture of damage
D. Salvage
1. It is a duty of the Insured / Consignee / Its Agent or Representative to mitigate the loss and secure the salvageable cargo safe, do not destroy or sell them without THE INSURANCE COMPANY’s written approval.
2. THE INSURANCE COMPANY for and on behalf of the Insured have a right to sell on tender the salvageable cargo and invite some buyers to quote.
3. The Insured or Consignee can participate on the above tender.
4. Terms and condition of the tender and to choose the winner are absolute right of THE INSURANCE COMPANY
5. Value of salvage is to be paid to the Insured and is to be deducted from amount of claim payable.
E. General Average
In case of GA the Insured / Consignee / Its Agent or Representative is not authorized to sign Average Guarantee or to pay cash deposit without THE INSURANCE COMPANY’s written approval.
해상 적하 보험 해상보험해상 보험 적하보험 적하 보험해상적하보험 보험구상절차보험구상 보험 구상 보험청구절차보험청구 해상 손해 청구해상 손해 구상 해상 손해 구상절차보험금수령절차 보험 청구Marine Cargo Insurance Claims ProcedureInsurance Claims Procedure클레임 통지 클레임 절차Claim Notice 손해 검정인 지정손해 검정인 surveyor 피보험자클레임 신청시 구비서류보험금 신청서류 보험금 신청시 서류보험서류 Letter of Claim보험금 청구서한 정식클레임 신청Insurance Policy 보험증권 원본B/L 분손시는 사본ommercial InvoiceCommercial Invoice 상업송장사본상업송장 Letter of Claim against Carrier and Their Reply Sea Protest해난보고서 Letter of Abandonment위부장 Duty of the InsuredConsigneeIts Agent or Representativearine Cargo Insurance Claims Procedure
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