? ? ? ?建筑工程意外傷害的理賠都是需要提供案件證明的
? ? ? ?建筑(zhu)工程施工過程中(zhong)，工人(ren)發(fa)生意外死亡。保險公司(si)以(yi)保單條款為由(you)要求提供案件(jian)證明，否則不(bu)賠。這個是否有法(fa)律效應(ying)呢？
? ? ? ?某建(jian)筑(zhu)(zhu)工(gong)程裝(zhuang)修公(gong)(gong)司購買了建(jian)筑(zhu)(zhu)工(gong)人團意(yi)險(xian)，保(bao)額是(shi)三十萬。工(gong)人在施工(gong)過程中，由二樓(lou)樓(lou)梯井口(kou)墜落到負(fu)一(yi)樓(lou)后死亡。裝(zhuang)修公(gong)(gong)司報案(an)(an)后，公(gong)(gong)安機關到現場查看后，排除了其他刑事(shi)犯(fan)罪，建(jian)筑(zhu)(zhu)企業也去案(an)(an)件部門(men)做了筆(bi)錄，但(dan)是(shi)未能開(kai)具案(an)(an)件證明，保(bao)險(xian)公(gong)(gong)司以企業沒有(you)提供案(an)(an)件證明為由拒絕(jue)賠(pei)付。
? ? ? ?后(hou)(hou)來(lai)企業(ye)跟(gen)保(bao)險(xian)(xian)公(gong)司(si)(si)協商(shang)，最(zui)后(hou)(hou)面保(bao)險(xian)(xian)公(gong)司(si)(si)說最(zui)多只賠(pei)(pei)七成。客戶覺得(de)裴跌了(le)(le)，后(hou)(hou)來(lai)雙方沒(mei)有(you)談攏，法院企業(ye)提(ti)(ti)供了(le)(le)一些有(you)力證(zheng)據后(hou)(hou)，法院判決保(bao)險(xian)(xian)公(gong)司(si)(si)敗(bai)訴(su)。最(zui)近(jin)一些保(bao)險(xian)(xian)公(gong)司(si)(si)更換了(le)(le)新(xin)(xin)條款，主要(yao)是因為(wei)(wei)建筑工程款影響的(de)賠(pei)(pei)付率(lv)越來(lai)越高。如果(guo)按有(you)些新(xin)(xin)條款傷殘(can)和醫(yi)療(liao)的(de)理(li)賠(pei)(pei)都是需要(yao)提(ti)(ti)供案件證(zheng)明(ming)的(de)。為(wei)(wei)了(le)(le)避(bi)免這些條款對企業(ye)索賠(pei)(pei)進行約束，可(ke)以通(tong)過增加(jia)特別(bie)約定(ding)來(lai)避(bi)免這個問題，沒(mei)必要(yao)通(tong)過打官司(si)(si)才能獲得(de)賠(pei)(pei)償。專(zhuan)業(ye)讓理(li)賠(pei)(pei)變得(de)更簡單。
? ? ? ?建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)保險(xian)(xian)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)團體(ti)險(xian)(xian)誰買(mai)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)險(xian)(xian)是(shi)強(qiang)(qiang)制險(xian)(xian)嗎，意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)賠償標準最新規定，國(guo)壽建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)團體(ti)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)。，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)地(di)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)屬于什(shen)(shen)么(me)(me)，土建(jian)(jian)(jian)(jian)施工(gong)(gong)(gong)(gong)(gong)中的意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)，工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)施工(gong)(gong)(gong)(gong)(gong)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)保險(xian)(xian)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)團體(ti)險(xian)(xian)誰買(mai)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)險(xian)(xian)是(shi)強(qiang)(qiang)制險(xian)(xian)嗎，意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)賠償標準最新規定，國(guo)壽建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)團體(ti)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)。，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)地(di)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)屬于什(shen)(shen)么(me)(me)，土建(jian)(jian)(jian)(jian)施工(gong)(gong)(gong)(gong)(gong)中的意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)，工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)施工(gong)(gong)(gong)(gong)(gong)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)條(tiao)(tiao)(tiao)款(kuan)，施工(gong)(gong)(gong)(gong)(gong)期間(jian)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)免責條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)保險(xian)(xian)條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)施工(gong)(gong)(gong)(gong)(gong)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)責任劃分，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)施工(gong)(gong)(gong)(gong)(gong)人員意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)案(an)例，意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)保險(xian)(xian)條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)房(fang)合同人員意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)條(tiao)(tiao)(tiao)款(kuan)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)一(yi)切險(xian)(xian)的意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)傷(shang)(shang)(shang)(shang)害(hai)(hai)(hai)(hai)(hai)(hai)，建(jian)(jian)(jian)(jian)筑(zhu)(zhu)(zhu)工(gong)(gong)(gong)(gong)(gong)程(cheng)(cheng)(cheng)意(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)(wai)(wai)事故怎(zen)么(me)(me)定義