10 cases in which the insured bears the costs of a car accident despite the "comprehensive insurance"
If it is proven that the insurance was contracted based on the insured’s making false statements or his concealment of material facts, the insurance coverage shall not be provided.
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The Central Bank reported that there are 10 cases in which the insured bears all the costs of traffic accidents that occur, even if he has insurance against loss, damage and civil liability, or what is known as "comprehensive insurance".
And the Central Bank indicated, in the fifth chapter of the unified insurance policy, after making recent amendments to it, that the insurance company can refer to the insured for the value of the compensation he may have paid in the following cases:
1- If it is proven that the insurance was concluded based on the insured’s making false statements or his concealment of material facts that affect the company’s acceptance of risk coverage or the determination of the insurance premium.
2- If it is proven that the vehicle was used for purposes other than those specified in the insurance application, or if it exceeds the maximum number of passengers allowed, or if it is proven that it was loaded with more than the specified load, or its load was not “packed” in a tightly technical way, or it exceeded the limits of width, length or height permitted, provided that it is proven that this was the direct cause of the accident.
3- If it is proven that the vehicle was used in a race or a speed test in other than the authorized cases, provided that it is proven that it was the direct cause of the accident.
4- If it is proven that there is a violation of the laws, and the violation involves a premeditated felony or misdemeanor.
5- If it is proven that the vehicle was driven without obtaining a driver’s license for the type of vehicle, in accordance with the traffic law and its regulations and the provisions of the unified insurance policy, or that the license granted to the insured or the driver of the vehicle, as the case may be, has been issued an order to stop him from the court or the competent authorities Or under the traffic regulations, or that the vehicle’s driving license was expired at the time of the accident, unless he could renew the expired license within 30 days from the date of the accident.
6- If it is proven that the driver of the vehicle, whether the insured or someone else who was allowed to drive it, committed the accident while he was not in his normal condition, due to his being under the influence of drugs or drinking alcoholic beverages that affect his ability to control the vehicle, or taking medical drugs that do not It is medically allowed to drive after taking it, but if the vehicle is intended for rental, it is referred to the driver of the vehicle (the renter).
7- If it is proven that the accident occurred intentionally by the insured or the driver of the vehicle.
8- If the trailer, semi-trailer or semi-trailer causes an accident, and the insured has not agreed with the company to cover it with insurance.
9- If it is proven that the vehicle was used outside the road, according to the definition of the road in the insurance policy, and there was no additional coverage.
10- In the event that the damage caused to a third party (the aggrieved party) is the result of a theft or burglary of the insured vehicle, and there is one of the cases of recourse against the thief, it is only referred to.
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