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The unified compulsory motor insurance policy has highlighted the most important cases in which the company is obliged to compensate others, while retaining the right of recourse to the insured or the driver, or the cause of the ‘accident.
She explained that there are 12 cases, which give the company the right to refer to the insured, including: if it is proven to be incorrect data, or to hide a fundamental truth in the claim form insurance, or the accident happened intentionally, or the vehicle was traveling in the opposite direction.
It also included not informing the company within 20 days of any material change declared by the insured in the insurance application form, as well as if driving under the influence of drugs, or driving a person under 18 Hijri, unless insured. .
The regulations state that the company has the right to refer to the insured, if it is proven that the vehicle was driven without having obtained a driver’s license for the type of vehicle or that it was completed at the time of the ‘accident, or the vehicle loaded with a number of passengers exceeding the capacity specified for it, and there is evidence that the accident occurred due to this excess.
He also indicated whether the vehicle had been stolen or forcibly taken, and the relevant authorities were not informed.
The policy obliges the insurance company to inform the insured within 20 days of the filing of the claim to which one of the cases of appeal applies, and the company must also exercise the right of appeal within a maximum period of time. one year from the date of settlement of the claim.
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