在任何情況下，涉事人承認控罪，是不獲保險賠償的，是否合理？Boker 沒有提醒處理方法，是否失職？

承認控罪不獲保險賠償，難道被判有罪會獲保險賠償嗎？

1. Irrelevant.

You are correct in assuming that it is not reasonable for an insurance to deny claims when the insured has pleaded or found guilty of a traffic offense when the offense is committed without intent.

However - this assumption is irrelevant as insurance companies adjust claims based on the terms and conditions of the policy. If the policy has specified such, even it is not reasonable, the policy stands and the denial is justified.

2. No. An insurance broker has no responsibility to ensure that his/her clients have properly read the policy. Also - a broker is not a legal professional. Therefore, a broker is prohibited from providing any legal advice. Last but not the least - a broker is not a claim handling personnel . So it is not correct for a broker to provide any claim advice.