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In the practical operation of international freight, due to the long transportation distance and the involvement of many steps, various risks often arise, resulting in cargo damage or loss. Shipping companies and airlines generally provide only small compensation, which is insufficient to cover the losses for both us and our customers. At this point, commercial insurance becomes an indispensable part of the process. Therefore, this time, we will discuss the process of international cargo insurance claims.
1. Introduction to the Claim Process
First, the general claim process of an insurance company can be summarized into the following seven steps:
1. Reporting the claim →
2. Filing the case →
3. Case investigation →
4. Negotiation and confirmation →
5. Drafting and processing the claim →
6. Compensation and case closure →
7. Recovery of remaining loss.
When the consignee discovers damage or loss to the cargo, the process can generally be divided into the following three steps:
1. Timely rescue, timely reporting, and protecting the scene:
(1) Call the insurance company's customer service hotline to report the case.
(2) Notify the insurance claim personnel, inspector, or broker.
(3) Report to the local authorities or relevant departments.
2. Assisting in the inspection, determining responsibility and loss, and providing materials:
(1) Cooperate with the insurance company for the inspection.
(2) Provide photos and videos.
(3) Submit claim documents.
3. Communication, negotiation, compensation settlement, and assisting in recovery:
(1) Confirm the amount of loss covered by the insurance.
(2) Reach an agreement.
(3) Protect the right to recovery.
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2. Introduction to Claim Documents
When an accident occurs and the claim is reported, according to the process, it is necessary to provide required documents to support the claim and determine when the incident occurred. Although different insurance companies may have slight differences, the following documents are generally required:
1. Transportation Contract Documents:
(1) Bill of Lading (MBL or HBL)
(2) Mate's Receipt
(3) Air Waybill (MAWB or HAWB)
(4) Inland Waybill & Driving License
(5) Railway Bill
(6) Express Waybill, Shipping Label
(7) Carriage Contract
(8) Charter Party
(9) Freight Forwarding Contract
2. Proof of Value Documents:
(1) Sales Contract
(2) Invoice, Packing List
(3) Customs Declaration Form
(4) Payment Voucher of Cargo
(5) Receipt of Repair Cost or Repurchase
(6) Residual Value Handling
(7) Rescue Expenses
3. Accident Proof Documents:
(1) Certificate of Cargo Damage from Carrier
(2) Accident Certificate (from maritime, traffic police, fire department, port, weather, customs, etc.)
(3) Quantity & Quality Certificate
(4) Survey Report
(5) Delivery Receipt for each section
(6) Correspondence Exchange
(7) Photos or Videos
In terms of "Accident Proof Documents," it is important to note that different types of international freight (e.g., ocean freight, air freight, general cargo) may require different documents:
Bulk Cargo:
(1) Tally Report
(2) Quantity & Quality Report / Ullage Report from loading and unloading ports
(3) Weighing Record
General Cargo:
(1) Loading & Discharging Report
(2) Delivery Receipt
Container Cargo:
(1) Loading Photos, Videos, or Loading Report, Load Plan
(2) Dock Receipt / Equipment Interchange Receipt (EIR)
(3) Devanning Report
(4) Container Tracking Record
(5) Delivery Receipt
(6) Photos of Cargo / Package / Container Damage
Air Freight, Cross-border E-commerce Missing Goods:
(1) Damage / Loss Report from airline or its agent
(2) Customs Inspection Record
(3) Delivery Receipt
(4) Damage Report issued by the express company
(5) Loss Proof from e-commerce platform (e.g., Amazon)
(6) Webpage Screenshot (e.g., out-of-stock screenshot, logistics screenshot)
(7) Damage Photos or Videos
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4. Standard Format Documents:
(1) Loss Notification
(2) List of Loss
(3) Claim Notification to 3rd Party
(4) Confirmation of Payment
(5) Receipt & Subrogation Form
(6) Anti-Money Laundering Files
(7) Others: Insurance Application, Insurance Policy, Insurance Agreement, etc.
END
Realhong International Logistics has been deeply engaged in the international logistics industry for over a decade, boasting a highly qualified team of experts with extensive experience in global transportation. We offer personalized, one-on-one solutions to tailor the most suitable shipping routes for their clients.
Realhong has provided comprehensive international maritime transportation services to hundreds of medium and large enterprises across various sectors, including automotive, chemicals, machinery, apparel, light industrial products, and pharmaceuticals.
If you're in search of a reliable freight forwarding company, consider Realhong International Logistics. We are committed to offering you the best prices and the highest quality service!
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