保险业务中未决赔案的产生,具有多方面的主、客观原因,在理赔过程中具有时间的区段性,因而业务也据此在理赔过程中,合理地分为“未决”、“已决未付”、“已决已付”等概念。 未决赔案的产生具有合理性的一面。主要是保险理赔过程中,对案件的处理需要必要流程和时间,保险人争取在“公平”、“公 The occurrence of unsettled claims in the insurance business has many main and objective reasons and has time zones in the process of claim settlement. Therefore, the business is reasonably divided into “pending” and “ Has been unpaid ”,“ already paid ”and other concepts. The creation of outstanding claims has a reasonable side. Mainly in the process of insurance claims, the handling of the case requires the necessary processes and time, the insurer for “fair”, "public