Details of the new third party insurance law
The new third party insurance law, which is regulated in 66 articles, has become effective for all insurance companies since June 29.
1: The discount related to policyholders who did not have any damage is still valid and has not been canceled in the new law.
2: When selling a car, people can keep insurance discounts for themselves or even transfer it to their dependents, including spouses and children.
3: The exclusion of receiving third-party insurance add-ons at the beginning of each year due to the increase in the premium rate is one of the other features of this law, and the concerns of policyholders are resolved with the new method.
In the new method, in the event of an increase in the mortgage rate, the insurance coverage limit will automatically increase, and damages will be paid to the victims based on the new year’s mortgage, so there is no need to receive an extension.
4: From now on, the insurance rate for individuals is not calculated in the same way, but factors such as high-risk driving history, negative scores recorded in the traffic system and accidents caused by the driver, are effective in determining the insurance rate.
In the law, it is foreseen that the police force will provide the records of the negative scores of the drivers based on the license plate number of its owner to the insurers so that the amount of the insurance premium can be determined accordingly.
5: In accidents under 63 million Rials, damages are paid to the victims without obtaining a report and police report, and this method remains valid in the new law.
6: The driver receives damages from the insurance just like the passenger of the car, and therefore accident insurance is provided for vehicle drivers as well.
7: In the new law, the cause of the accident can also refer to the forensic medicine to determine the injury percentage.
8: Insurance companies are prohibited from obtaining consent from the victims and paying less damages to them.
9: One of the other advantages of this law is the participation of the cause of the accident in paying damages to the victims, so that if a person caused an accident due to a violation of traffic laws, the damage of which was paid by the insurance company, a part of the damage should be paid. to pay
In this way, the insurer pays the damages to the victims, but can take a proportional percentage of the damages from the cause of the accident.
10: Equality of payment for men and women in traffic accidents existed and was applied in the previous law, which is still valid in the new law.
11: If the documents of the case are complete and the amount of physical damage has been determined by the court order, the insurer will pay a penalty of half a thousand per day for the delay in case of delay in payment of damages.
12: Previously, insurers were obliged to pay damages to all injured persons outside the vehicle, but now the insurer’s obligation is 10 times the limit of obligations in the insurance policy.
13: If the damage is caused by road defects or lack of driving signs or vehicle defects, the insurance company can, after paying the damage to the injured party, recover the damage in proportion to the degree of fault, which is specified in the court order. , refer to the relevant authorities.
This post is written by klm7981