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What is Third-Party Insurance?
In case of an accident, god forbid, you would want to be protected from any legal & financial liabilities due to damages sustained in the accident in favor of the third party. Third Party insurance covers you to that extent and it will not cover you as a driver nor your vehicle which Comprehensive Insurance
Do I really need Car Insurance?
Compulsory by Law
Minimum car insurance coverage is mandatory for vehicles driving in the Kingdom. Driving a car without the minimum coverage of TPL puts you in legal liability. But, thank the Almighty as 'Third Party Insurance' is there to protect you
Peace of Mind
Car accidents are unfortunate events that potentially lead to death or bodily injuries or disabilities. It is also highly probable that due to such incidents, public/ private property would be lost or damaged
Terminology of Insurance:
Here are some of the wiki-whats and the wiki-hows of Third Party Insurance that’ll make things clearer.
The Insured
The natural or legal person who entered into with the company the insurance policy and it is shown His name is in the document table.
Vehicle Driver
Anyone who drives a vehicle, aged 18 years and above, and carries Driving Licen.
The insured vehicle
Every means of transportation prepared for walking on wheels Or track, walking or towing with mechanical or animal power, the specifications of which are set out in the document (not included Trains).
Right of recourse
It is the right of the insurance company to collect the compensation it paid to others from the insured or The driver or the person who caused the accident due to damage resulting from one of the reversals or exceptions.
Others
Every natural or legal person who suffers a loss or damage resulting from a risk other than Excluded in the document except for the insured and / or the driver or the person responsible for the accident.
Policy Scedule
The schedule attached to the document that includes some of the insured and vehicle data and is considered an integral part thereof.
Limits of third party insurance coverage
Physical damages
Legal liability towards others in the event of an accident resulting in bodily injuries.
Financial losses
If the accident leads to material losses at the level of private or public property, an insurance company will compensate others.
Cases of death
The insurance company covers compensation for others in the event of losing life after the accident, God forbid
Note: The maximum liability of the insurance company in one incident for physical and material damages and expenses is only 10,000,000 SAR.
Cases of the right of recourse against the insured or the driver who caused the accident
The insurance company has the right to return to the insured or the driver to recover what has been paid to others. The insurance policy will not bear these financial consequences, for example:
- Driving in the opposite direction of driving
- The driver escapes from the accident site without an acceptable excuse
- Bypassing the red signal (cutting the signal)
- If the accident is proven to have occurred intentionally
- Providing incorrect data or concealing an essential fact in the insurance application form
- Driving under the influence of drugs, alcoholic beverages or medical drugs