General terms and conditions of car insurance

Given the high number of accidents that occur each year, it is imperative that anyone who drives a car, whether it be your car or a friend’s car, has car insurance, even if it is the least of all the insurance policies available.

Insurance covers the policyholder and in most cases also covers other people using the car or driver. However, if the car suffers an accident that is not in the interest of the policyholder or is contrary to the agreement between the policyholder and the insurance company, the insurance will not cover the damage resulting from such an accident.

In cases where the insured vehicle is sold to another person, the new owner is covered by third-party liability insurance and also comprehensive car insurance (if any) within a period of 3 weeks after the change of ownership. When there is a new active insurance policy, all deductibles under the insurance are paid by the new car owner.

Auto insurance does not cover damage to vehicles owned by the company for sales purposes

Depending on the auto insurance agreement between you and your insurance company, you may not need to notify them when the terms of the policy agreement have changed. The consequence of refusal to notify the insurance may be forfeiture and compensation in the event of an accident or reduction of compensation and compensation or forfeiture of compensation and compensation.

In order to avoid the consequences mentioned above, you should therefore inform your insurance company immediately if there is a change in the policy details.

You can get the same car insurance policy with two different insurance companies without terminating the initial insurance with the first company, but when an accident occurs, the agreement in your car insurance policy will apply, and this may mean that both companies pay half the cost pay for the accident each.

Another important thing to note regarding car insurance is the deductibles that are based on the agreement in the car insurance policy. Deductible will only be deducted once in the event of an insurance event involving both third-party liability and damage under the comprehensive auto insurance policy.

There is no deductible in situations such as:

1. Damage from a known tortious act

2. Damage caused by fire, explosion, lightning or theft

3. Damage from objects falling on the car.

There is also an additional deductible if there is damage to the car by a person other than the policyholder, or a registered user of the three cars under the car insurance.

There are certain accidents that your auto insurance may not cover. Under liability insurance, your auto-inside policy does not cover;

1. Injury to the driver

2. Damage resulting from the carriage of goods by road under contract deeds

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3. Damage to a mounted vehicle

4. Damage that occurred at the time of the rental of the vehicle, unless it can be proven that the damage is the result of an event in accordance with the car insurance

5. Damage to property belonging to the driver, policyholder, anyone who is listed in the car insurance as a regular user.

The following accidents are not covered by comprehensive car insurance:

1. Damage due to weather conditions

2. Damage to auto parts during repair unless it can be proven that the damage was caused by driving or by fire

3. Damage to the electrician and mechanical parts of the vehicle, unless it can be proven that the damage occurred in accordance with the car insurance policy;

4. Damage due to reckless driving, e.g. overheating or no oil change

5. Damage caused during rental of the car

6. Damage caused by the driver’s intoxication

7. Damage intentionally caused by net negligence

8. Loss of the car due to confiscation of the car by law enforcement agencies

9. Warranty and Warranty Damage

10. Damage caused by use of the car such as wear and tear, scratches on the bodywork and so on.

The duration of the car insurance is based on the agreement between you and the insurance company. Most auto insurance contracts are annual and are renewed annually unless canceled in writing by the policyholder or insurance company with one month’s notice.