How to claim for loss of raw materials

Car driver Li in February 2007 in the city an insurance company insured a one-year period of personal accident injury additional hospitalization medical insurance. In August 2007, on the way out of the car, due to brake failure, the car hit the rock on the side of the road, Li's chest was squeezed, resulting in three broken ribs, which survived after the hospital rescue. But the hospital's medical receipts and other raw materials were accidentally lost by Li, in order to apply for claims, Li went to the hospital and issued some copies.

After the event, Li applied to the insurance company for payment of insurance benefits, and gave the copy of the medical receipt to the insurance company. However, the insurance company asked Li to provide the original proof materials related to the accident, and rejected the copy. Due to the loss of Li's original, the insurance company refused to pay.

In real life, many of us, like Mr. Li, lose important materials due to carelessness or accidents, such as the original proof materials related to the accident. How should we claim when we don't have the raw materials?

When our original materials are lost, we can try to get some copies, and use these copies to claim with the insurance company. Insurance companies can't refuse to settle claims like the one in the story above.

Although our country's law stipulates that after the occurrence of an insurance accident, when filling in the insurance payment application form, we must submit the proof and materials related to the confirmation of the nature, cause and degree of loss of the accident. It doesn't matter what form the insured applies for payment. The key lies in whether the insurance liability events listed in the insurance policy actually occur. Here, the occurrence of insurance event is the premise of insurance claim.

Therefore, the loss of raw materials does not mean that we will not get the insurance payment. As long as we can prove that the insurance accident happened, the insurance company can't refuse to compensate because we can't provide the raw materials.