第一,正确认识所购买的保险产品。很多消费者由于投保时对自身的需求和保险责任没有足够的理解,等到发生事故后,才知道所发生的事故不在保障范围内,不能获得赔偿。第二,及时报案。保险事故发生后,要及时通知保险公司并提出给付保险金申请。对于可能涉及身故、残疾等索赔金额较高的保险事故,要在事 First, a correct understanding of the purchase of insurance products. Many consumers do not have enough understanding of their own needs and insurance obligations when applying for insurance. After the accident happens, they know that the accident occurred is beyond the scope of protection and can not be compensated. Second, timely reporting. After the insurance accident, it is necessary to promptly notify the insurance company and make an application for insurance premium payment. For insurance accidents that may involve high levels of death, disability and other claims, be there