Features Of Voluntary Insurance Upon Accidents

Such kind of insurance as insurance upon accident is voluntary. At approach of insured event the insurer is obliged to pay to the insured person the certain sum which compensates its expenses. The capable citizen who has reached of 15-year-old age can be the insured person. At his death the insured appoints the special person […]

Find out if your insurance covers your medical equipment and learn how to make sure your claims are approved by your Medicare or insurance provider.

Such kind of insurance as insurance upon accident is voluntary.
At approach of insured event the insurer is obliged to pay to the insured person the certain sum which compensates its expenses. The capable citizen who has reached of 15-year-old age can be the insured person. At his death the insured appoints the special person because in other way differently the successors of the insured person will act as these special persons.

With the legal body the collective agreement on which some physical persons are insured simultaneously is made out.
As object of insurance the property interests of the insured person who has arisen in connection with reduction of his income or occurrence of additional expenses owing to loss by him of work capacity or his death serve as a result of approach of insured event.

Insured event is accident which has occurred during period of validity of the contract and has documentary acknowledgement.
When there insured event has come the insurance organization is obliged to carry out payment. Time disability, physical inability or death from the got trauma can be insured events.

Insurance payments aren’t made if the insured has created the deliberate actions, event approaches if the insured person operated a vehicle in a condition of alcoholic or any other intoxication if the person himself has deliberately put himself physical injuries.
The insurance sum is established under the agreement of parties, and according to this sum insurance payments pay off. Insurance tariffs depend on a state of health, age and a kind of activity of the insured person.

Payments can be partial, or in the form of a lump sum that is defined also by the parties. The sizes and a procedure of payments also register in the contract the insurer at approach of insured events.
The insurance contract can be terminated ahead of schedule at the initiative of the insured under the written statement. It should be directed the insurer not later than 30 days prior to prospective date of cancellation.
Also the insured can independently appoint the special person or replace him with other person.

The insured should give to the insurer authentic data on and also is obliged to pay in time insurance payments. If there insured event comes the insured should inform during 3-day term to the insurance organization on it that the given fact has been fixed.
Duties of the insurer include delivery into certain terms of the insurance policy and acquaintance of the insured person to insurance rules. When there insured event comes the insurance organization should pay insurance compensation or refuse payment if on that there will be bases.
The insurer is obliged to observe confidentiality concerning all the data, concerning insurance contracts.

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