In insurance speak, personal accident insurance is defined as an unintentional accident due to external, violent and visible means. Personal accident policies cover you for one or more of four contingencies in the event of an accident: death, permanent total disability, permanent partial disability and total disability.In the event of such contingencies, a personal accident policy will provide for payment of a lump-sum, either the full sum or a percentage of it.
Besides death due to natural cause, personal accident policies don't cover disability or death due to:
1. War and nuclear perils, civil disorders, flying in an aircraft as a pilot or crew member, and breach law with criminal intent.
2. Driving or riding in any kind of race, playing professional sport, intentional self-injury, suicide, pregnancy, sickness or disease.
3. Any existing disability.
4. Any injury sustained under the influence of liquor or drugs.
There are very few exclusions in a life insurance policy so it should.
What are the exclusions for obtaining credit life on a loan
endorsements are simple exclusions arent.
secondary to the policy insuring the vehicle you drove with permission....barring any exclusions on your parents policy ....
Insurance stays with the vehicle, barring any policly exclusions to the contrary, the insurance that covers the vehicle covers that vehicles actions. If you allow someone to drive your vehicle and they have an accident that is their fault your insurance will be the one that takes care of the damages.
Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
The definition of leaving the scene of an accident is a person who flees an accident after being part of it. They drive off without giving insurance information or waiting for the police to arrive at the scene.
Yes, generally barring any exclusions in your policy if he had your (owners) permission to drive.
Exclusions in a property insurance policy are specific conditions or situations that are not covered by the insurance. These can include events like flooding, earthquakes, or wear and tear, which are often excluded to limit the insurer's liability. Understanding these exclusions is crucial for policyholders to ensure they have adequate coverage for potential risks. Additionally, some exclusions may be addressed through endorsements or separate policies.
Barring any exclusions in your policy if the driver had your permission to drive they will be considered an insured driver thus afforded coverage.
There are 2 categories of these: exclusions and exceptions.
Life insurance is indiscriminate on where you die. There are often specific exclusions on how you die however.