Analysis Report on the Shanghai "11.15" Jing'an High-Rise Residential Building Fire

Nini Wang

doi:10.54691/t78ntz98

Authors

Nini Wang

DOI:

https://doi.org/10.54691/t78ntz98

Keywords:

Jiaozhou Road Fire; Community Comprehensive Insurance; Personal Insurance; Insurance Claims; Legal Improvement Path.

Abstract

The devastating fire at No. 728 Jiaozhou Road, Jing'an District, Shanghai on November 15, 2010 , caused immense loss of life and property damage, revealing a complex network of liability involving multiple stakeholders and various types of insurance. This paper takes this accident as a starting point, focusing on two core areas: community comprehensive insurance and commercial life insurance. It delves into controversies surrounding community comprehensive insurance, such as compensation limits, burden of proof allocation, and applicable payment rules. It also examines core issues in life insurance, including the determination of insurable interest, time limits for claims in special circumstances, and overlapping compensation under multiple policies. Legal analysis is provided in conjunction with the Insurance Law and related jurisprudence. Finally, corresponding solutions are proposed to address various legal issues, offering a reference for the standardized handling of insurance claims in major disasters and contributing to the full realization of insurance protection functions.

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