【要点提示】保险事故发生后,投保人、被保险人或受益人来依约定或法律规定履行及时通知义务,导致保险人无法核实保险事故的性质、原因和损失程度等,以及是否属于免责范围无法确定的,投保人、被保险人或受益人要承担不利的法律后果。 【Tip】 After the insured event, the insured, the insured or the beneficiary in accordance with the agreement or law to fulfill the obligation to inform in a timely manner, resulting in the insurer can not verify the nature of the accident, the reasons for the extent and the extent of loss, and whether the exemption Unable to determine, policyholders, insureds or beneficiaries bear unfavorable legal consequences.