Attorney Avon Represents U.S. Enterprise in Cross-Border Cargo Damage Insurance Claim; Full Insurance Payout Received

Recently, Avon Zhao, an attorney on Larry Zhou's team at Landing (Shenzhen) Law Office, represented an overseas enterprise in a cross-border cargo damage insurance claim. The full insurance payout has been received.

The overseas enterprise purchased large vehicles from a Chinese seller. During transit, an accident occurred, damaging the vehicles, and the repairs were costly. The client filed a claim with a Chinese insurer on its own, but the claim was initially rejected; coupled with poor communication, the payout could not be obtained. The client therefore engaged Larry Zhou's team at Landing (Shenzhen) Law Office, with Avon Zhao handling the matter.

Although the claim amount was not particularly high, the insurer's review of cross-border payouts was extremely rigorous. The transaction involved multiple overseas entities: the actual payer, the actual buyer that received the goods, and an import company engaged due to local import licensing restrictions. The import company was listed as the buyer on the bill of lading and the export customs declaration and was also the insured, while the sales contract and commercial invoice issued by the Chinese seller named the actual buyer—an obvious inconsistency across the documents. The insurer therefore required item-by-item explanations of the transaction background, fund flows, relationships among the entities, and title to the goods.

After being retained, Avon Zhao reorganized the claim materials and submitted them to the insurer. The materials were still returned several times for supplementation, and the client came to believe more than once that the claim would not succeed. In response to each round of questions from the insurer, Avon traced the transaction chain, clarifying the agency relationships among the entities, the payment path, and the transfer of title. She drafted written explanations, organized the client to supplement authorization documents, joint statements, payment vouchers, and translated customs documents, and communicated with the insurer repeatedly to explain the rationale behind the transaction structure. Each issue encountered was resolved one by one.

In the end, after strict review, the insurer paid the claim proceeds to the overseas beneficiary, and the client received the funds in full. During the process, the client was dissatisfied with the insurer's processing efficiency, but was highly satisfied with Attorney Avon's problem-solving capability and professional expertise.