compensation limit
The compensation limit is the most money the insurer can provide you for a single claim. The exact limit must be specified in the insurance contract. It may vary depending on the conditions listed in your contract.
Ask the JunkCarsUS team under what conditions you can junk your car in Los Angeles or anywhere else in the US.
First of all, we must understand the possible range of the compensation limit. Unless otherwise specified by law, the compensation limit for a single claim can vary from 1,050,000 to 5,240,000 depending on the type of damage and costs. Generally, the number of people injured or killed does not affect the limit of compensation.
If the limit of the compensation makes it impossible for the injured parties to cover their damage, then the compensation will be reduced for each of them equally.
Private car use case for business travel
Suppose an employee uses his private car for business trips with the permission of his employer, which is also the case for businessmen. In this case, he is entitled to reimbursement for each kilometer traveled. The car must not be rented, loaned or contributed to company property.
Rights and Obligations of the Insured
The Insured is obliged to Notify the Insurer in Written of the Occurrence of a Loss
- within 15 days of its occurrence;
- within 30 days of its occurrence.
However, these terms may be extended if so specified in the general insurance conditions. Once the claim has been notified, the insured must follow the insurer’s instructions and submit the documents requested by the insurer within the agreed period.
- The insured must notify the insurer in writing immediately after the claim for compensation has been presented to him. He must also express his opinion on whether the compensation amount appears valid and whether the overall claim is legitimate.
- If there is a criminal prosecution or a criminal procedure has been initiated in relation to the claim, the insurer must be informed of its development and possible result.
- If the insured has a lawyer or any other legal representative, he must inform the insurer of the name, surname and permanent address of the legal representative or his business name and business address.
- When the right to compensation has been fully exercised, the insured must follow the special instructions.
It is possible that the injured party may require some additional information to claim compensation. In such a case, the insured must provide, without delay, all the necessary data to the injured party. In particular, he must give the following information:
- the name, surname and permanent residence of the insured or his company name and registered office;
- the company name and registered office of the insurer with which the civil liability insurance has been contracted;
- the number of the insurance contract.
The insured has the right to ask the insurer about the history of civil liability claims during the entire period of the contractual relationship. However, it must be greater than five years of the contractual relationship with this insured. The insurer must deliver the document with all the necessary information within 15 days of making the request.
like abroad
If an insurance contract is concluded, the liability insurance shall be valid for the duration of such insurance on the territory of all Member States. Liability insurance will also operate in the territory of those countries in which the insurer has indicated this on the green card.
What determines the price of compulsory insurance?
The price of compulsory insurance is influenced by a number of factors, including so-called segmentation criteria. These include the following:
- the age of the driver;
- Place of residence;
- the power and volume of the vehicle;
- the number of years the owner has driven the car without an accident;
- the age and weight of the vehicle, and others.
Of course, various discounts and bonuses also affect the price, for example, the discount resulting from taking out compulsory insurance online. You can find the price list on the websites of the individual insurers.
What is the emission limit for cars?
A greener attitude and increased environmental protection also apply to motor vehicles, where the emphasis is on reducing emissions. The so-called particulate filter, which every vehicle must have, fulfills this purpose. If the filter is clogged, malfunctions, or is even missing altogether, the result is heavy smoke coming out of the exhaust.
Stricter rules make sense. According to expert studies, a single car without a working particulate filter produces as many emissions as dozens of cars with a working filter. The pollutants that vehicles emit into the air every day contain carcinogenic and genotoxic substances.
From police control directly to ITV
The growing interest of customers in used cars is confirmed by the trend in recent years in which approximately the same number of new vehicles as used vehicles are registered each year in our country. And how old is the best car to invest in?
The powers of police officers have changed as a result of stricter rules. If a police patrol discovers that a car is not within the legal emission limits during a random check on the road, they can immediately send the non-compliant car for technical inspection up to 8 kilometers away. In addition to measuring emissions, the inspection also includes a visual check of the exhaust system to verify that it is complete.
In addition to emissions, engine smoke is also checked
However, a vehicle can still meet emission limits even if the particulate filter is malfunctioning, clogged, or even missing altogether. For these cases, the so-called engine smoke limit value is also measured, which has been set at 0.25 m-1. If this value is not reached, it is a sign of a faulty particulate filter (called a type B fault).
The owner of said vehicle must remedy the defect within 30 days of its discovery. Once the defect has been corrected, the vehicle must undergo a new technical inspection. If this is not done, the vehicle automatically loses its roadworthiness.
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Categories: Technology
Source: vtt.edu.vn