First please forgive my grammar, my English is not good.
In Indonesia, we have accident insurance which cover claim for accident happened. Now there is a accident insurance which covers claim if accident happened in traffic when it doesn't happen on purpose and doesn't break the law.
The definition of not breaking the law, as so far I understand if the person doesn't break the law related to accident to happen or increasing the risk of having the accident like crossing the red light, speeding, etc.
One big accident happen in Indonesia, and a big-world well known-insurance company refuses to pay the claim just because the person doesn't bring/have driving license. As far as I know, there is no related connection between getting accident and bringing/having driving license. The capability of person in driving doesn't judged by its driving license. It is another story if the consumer drive like "Fast and Furious" or "Death Race."
I am afraid the scope of definition of "Breaking The Law" will be blurred. What if someone get accident and hit other people which caused to death. Will it be considered breaking the law? (for being clumsy having other people lives killed) and then the insurance company has the right to refuse to pay?
Please I need feedback from you all. I don't know if this practice is done world wide or it is just happened in Indonesia. Thank you very much.
Regards,
Sukarto
In Indonesia, we have accident insurance which cover claim for accident happened. Now there is a accident insurance which covers claim if accident happened in traffic when it doesn't happen on purpose and doesn't break the law.
The definition of not breaking the law, as so far I understand if the person doesn't break the law related to accident to happen or increasing the risk of having the accident like crossing the red light, speeding, etc.
One big accident happen in Indonesia, and a big-world well known-insurance company refuses to pay the claim just because the person doesn't bring/have driving license. As far as I know, there is no related connection between getting accident and bringing/having driving license. The capability of person in driving doesn't judged by its driving license. It is another story if the consumer drive like "Fast and Furious" or "Death Race."
I am afraid the scope of definition of "Breaking The Law" will be blurred. What if someone get accident and hit other people which caused to death. Will it be considered breaking the law? (for being clumsy having other people lives killed) and then the insurance company has the right to refuse to pay?
Please I need feedback from you all. I don't know if this practice is done world wide or it is just happened in Indonesia. Thank you very much.
Regards,
Sukarto