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Car insurance policies can be divided into two categories on the basis of insurance coverage – Third-party Liability Car Insurance Comprehensive Car Insurance Who is third party? As per insurance terminology, the first party is the insured person or the owner of the policy, the second party is the insurance company and the third-party is the injured person, who claims damages against the insured person, or the person(s) whose property the policy-owner damaged. The ‘third party’ should include everyone (other than the contracting parties to the insurance policy), be it a person travelling in another vehicle, one walking on the road or a passenger in the vehicle itself which is the subject matter of insurance policy. Thus, in general, third-party liability insurance covers the damages to other people that are attributable to the policy-owner. What is Third-party Liability Car Insurance? Third party cover is the minimum legal insurance requirement (Motor Vehicles Act, 1988). It indemnifies the insured against legal liability arising from both bodily injury and property damage to the third party. It doesn’t cover any costs incurred by insured or to insured’s car as the result of an accident. Third party insurance covers following liabilities – Injuries to others (i.e. to the car passengers and other persons not inside the car). Damage to other peoples’ property (e.g. the third party’s car, but not insured’s own vehicle). Uninsured/underinsured motorist coverage helps insured in case the other driver, who caused the accident, has little or no car insurance Important Features Of Third Party Car Insurance Third party insurance is compulsory for all motor vehicles. In third party insurance the insured person will not have any compensation for injuries but it covers damages to other people, who are injured by the insured. The main beneficiary in third party insurance is the injured third party and the insured is only the beneficiary of the policy. Here the insurance company pays directly to the injured third party. As it is not possible to know in advance the liabilities, in third party policies the premiums do not vary with the value of what is being insured because the insured sum is the legal liability. Third party insurance is almost based on fault done by the insured. You have to claim for damages by providing evidence that the insured person had made fault and is legally responsible for the damages. Third party insurance involves the aid of lawyers to the insured.
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- Korisno je znati - Popis groblja - Pogrebne usluge - Korisni linkovi Isplata osigurane sume polise životnog osiguranja preminulog U slučaju smrti osiguranika, korisnicima polise (nasljednicima) isplaćuje se osigurana suma ugovorena na polisi životnog osiguranja. Ako je na polisi bilo ugovoreno osiguranje za slučaj smrti, korisnicima osiguranja se isplaćuje osigurana suma uvećana za pripadajuću dobit. Ako na polisi životnog osiguranja nije naveden korisnik u slučaju smrti, tada se traži rješenje o nasljeđivanju i nasljednicima se isplaćuje osigurana suma. Ukoliko osiguranik umre zbog bolesti, traži se dodatna dokumentacija (zdravstveni karton osiguranika) da bi se provjerilo da li je u momentu sklapanja ugovora o osiguranju osiguranik istinito i tačno odgovorio na pitanja u medicinskom upitniku koji je sastavni dio ponude prilikom ugovaranja životnog osiguranja. Ako se uvidom u dodatnu dokumentaciju utvrdi da osiguranik nije tačno odgovorio na pitanja iz upitnika, onda se može uskratiti isplata osigurane sume (ako je bolest koja je pronađena u kartonu, a prije datuma sklapanja osiguranja, imala uticaj na nastanak osiguranog slučaja, tj. smrti) ili umanjiti osigurana suma (ako bolest koja je bila u kartonu, ali prije sklapanja ugovora o osiguranju, nije imala uticaja na nastanak osiguranog slučaja, tj. smrti) za procenat za koji bi uvećali premiju da je osiguravajuća kuća imala uvid u pravo stanje bolesti osiguranika.