fbpx What the insurance company does not cover | ekpizo

The insurance company must insure the civil liability of the owner, the holder and any driver of the insured vehicle. This insurance policy allows only the following legal exceptions:

  • The civil liability of the person who stole the insured vehicle
  • The civil liability of the person who intentionally caused the accident
  • The civil liability against the persons who have agreed, and acknowledge, to be moved by a car that has been illegally removed or is used for criminal acts.
  • The damages caused by an unlicensed driver
  • The damages caused by a driver driving under the influence of alcohol or drugs
  • The damages caused by a car which is used for purposes other than the insured ones

For instances 4-6, the insurance company compensates the injured third party and then can request refund for those paid by the insured party.