Every driver is required to take out car insurance. The contract includes two kinds of guarantees, some mandatory, and others were optional. A motorist can be satisfied with a formula that provides only the first.
THIRD-PARTY LIABILITY COVERAGE
This third-party liability coverage, sometimes called "third party" insurance, is mandatory. It represents, in a way, the minimum car insurance formula. It covers damage caused by the insured vehicle to a third party.
It can be material damage or bodily injury. The "third party" concerned can be a person, the driver or passengers of a car, a cyclist or a pedestrian, but also the damaged vehicle itself.
The damage can be caused by an accident on the road. But a stopped car can also be a danger to other vehicles or pedestrians. If the handbrake fails, for example, a car parked on a sloping street can cause an accident.
That's why liability coverage is mandatory for any land vehicle, even if it's not moving. All companies, such as GMF auto insurance, include this liability coverage in their contracts.
CRIMINAL DEFENSE AND RECOURSE FOLLOWING AN ACCIDENT OR DPRSA
Insofar as this DPRSA guarantee is included in car insurance contracts, and particularly in third-party insurance formulas, it can be considered a mandatory guarantee.
This coverage is very useful when the responsibility of a traffic accident is not very clear and its determination is subject to legal action. In this case, SABS has two essential functions.
It allows an insured who is sued after a traffic accident to defend his or her rights. By activating this coverage, he or she can also take legal action to obtain compensation for the damages he or she believes he or she has suffered, or pursue an amicable settlement.
Under this guarantee, the insurance company can cover a certain number of expenses. These include procedural costs, such as those incurred by an expert opinion or by the course of the trial, lawyer's or bailiff's fees, or costs related to police reports, for example. It should be noted that this coverage is limited, in principle, by the application of a ceiling.
The insurer will provide you with the information and documents necessary to understand the situation and will remind you of your rights and will try to find a solution that best protects your interests.
He will first try to find a compromise acceptable to both parties. If an amicable agreement fails, and the case is brought to court, he will have a lawyer defend your rights.
It should be noted that the scope of the DPRSA, which is limited to traffic accidents, is less broad than that of the so-called legal protection coverage. Contrary to the DPRSA, which is included in the civil liability coverage of the car insurance contract, the legal protection coverage is in principle optional.
No comments:
Post a Comment