Cases of recovering insurance companies compensation for accidents from car owners
There have been a few instances where it has come to light that insurance firms are eligible to seek reimbursement from vehicle owners for the monetary value of accident compensation.
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Insurance companies demand reimbursements for accident compensation
An attorney has stated that there are instances in which the owner of the insured vehicle is taken aback by the legal claim made by the insurance company that insures his car to recover the value of the compensation paid to him in the event of an accident. The attorney went on to point out that there are 10 fundamental instances, the most notable of which include (making false statements or using a fictitious name) and (using a vehicle that was not properly registered). Either the vehicle is participating in a race or the driver's licence was expired at the time of the accident and he was unable to renew it within the allotted time period (which was thirty days after the incident).
The number of situations in which insurance companies were successful in recouping the value of compensation is ten.
First, the insured person made intentionally false assertions.
Operating the car for a purpose that is not one of those listed in the insurance policy is the second violation.
Third: Competing with or testing the vehicle's speed in a race
A violation that involves the purposeful commission of a felony or a misdemeanour comes in fourth place.
The fifth offence is using a motor vehicle without first obtaining the appropriate licence for that vehicle.
Operating a car while under the influence of alcohol or drugs is the sixth most serious offence.
Seventh: The insured party or the driver of the vehicle was negligent but nevertheless caused the accident on purpose.
8. In the event that the trailer of the vehicle was responsible for an accident and was not covered by insurance
Using the vehicle off the roadway without having additional coverage is the ninth offence.
Tenth: If the driver of the vehicle caused the accident while under the influence of narcotics, alcohol, or medical drugs, the insurance company may seek compensation for the damages caused to third parties as a result of the theft or robbery of the vehicle. This is the case even if the vehicle was stolen or robbed.
Providing more specificity regarding the instances in which insurance companies were successful in recouping the value of compensation for accidents
The first example here
In more detail, the attorney Badr Abdullah Khamis stated that the first case that gives insurance companies the right to claim compensation back was the first case that gives insurance companies the right to claim compensation back if it is proven that the insurance contract was based on the insured making false statements or concealing substantial facts that affect the company's acceptance of risk coverage or in determining the insurance premium. In other words, if it is proven that the insurance contract was based on the insured making false statements or concealing substantial facts that affect
In the second instance
He went on to say that the second scenario takes place if it is proven that the vehicle was used for purposes that were not specified in the insurance application that was attached to the policy, or if it was proven that it exceeded the maximum permitted number of passengers, or if it was proven that it was loaded with more than the prescribed load, or if its load was not technically tied tightly, or if it exceeded the supply limits. In all of these scenarios, the vehicle would be considered to have violated the terms of the policy. Alternatively the allowable length or height, provided that it can be demonstrated that the factor in question was the primary contributor to the accident.
The third example
He pointed out that the third scenario is if it is proven that the vehicle was used in a race or speed test in a situation that was not authorised, provided that it is proven that it was the direct cause of the accident. He said that this scenario is only possible if it is proven that the vehicle was involved in the accident.
The fourth instance
He explained that the fourth case arises in the event that it is proven that there was a violation of the laws and that the violation involved an intentional felony or misdemeanour, in accordance with the definition stipulated in the applicable penal code that is currently in force in the country. He said that this case can only arise if it is proven that there was a violation of the laws.
Case number five
In the fifth circumstance, if it is proven that driving the vehicle occurred without obtaining a driving licence for the type of vehicle in accordance with the Traffic Law, the regulations, and the provisions of the insurance policy, or if the licence granted to the insured or to the driver of the vehicle, whichever the case may be, has issued an order to stop him from the court, or from the competent authorities, then this circumstance will be consi