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/ What is meant by a comprehensive insurance?Vehicle insurance consists of two parts. Part I: For damage that affects the car itself (and this insurance is optional and not required to purchase). The
second part: the rights of others who may cause you or allow him to
drive your vehicle in causing damage to them, both in their properties
(their cars or homes ... etc) or in their bodies or their lives ... etc,
this is a mandatory compulsory insurance / should (legal system) on each car owner to buy it. If we collected these two types of insurance in a document and one of them called the document a "comprehensive insurance".
/ If you're a third party, what do I need to get my right to compensation?In the event of being a "third party", the documents that you need are the following:• incident report (passwords or star) company.• repair estimates. The official body (which started the incident) will ask you to get three quotations (from an accredited workshops with traffic) to repair the damage to the vehicle due to the accident, as well as the value of spare parts from the agency after the discount (discount important). I suggest to communicate with the insurance company concerned to send their representatives with you (if they so wish) to obtain the required quotations (This Sereg the objection of the insurance company at a later date).• cost of spare parts from the agency (it is very important to be after the discount). (I've been above are mentioned)• "probably" you need to bring the market value of the vehicle before and after the incident of Sheikh opposition, to make sure that the vehicle repair cost is equal to or less than the market value. (It should be conversion to formally Sheikh exhibitions of the Traffic Department)• It is important that a claim (fill in communication accident third-party) written form to the insurance company in question, and keep a copy of the application, it is important to remember history on demand, and keep more of it.• While recognizing "full documents" are prompted to employee insurance company make sure you have the paper says that the company has received a complete claim documents, and make sure you have a clear history.• You need to know that if he caused the accident has an insurance policy in effect at the time of the accident insurance company obliged to reimburse you even if the reason is excluded in the document such as speeding or other because the insurance company it reimbursed and then have the right to claim the insured has caused the loss, if He wanted to.• Keep pictures of the incident and specifically affected places in the vehicle, perhaps panoramic photo of the crash site.• You must document all communication with the insurance company sms messages or an e-mail ... etc., remember well that verbal speech will not benefit you if a dispute between you and the insurance company happened later.
Preview of the vehicle damaged
/ Is there a specific period in order to pay my insurance company required compensation?Yes, the system imposes on the insurance company to reimburse you receive it within 15 days, up to a maximum of the company receiving the "whole" if the insurance claim documents individually, and if the insurance company for the duration of corporate compensation be within 45 days maximum. But if the whole has not received the required documents for any reason. This period is calculated, and just starts calculating how long after the completion of the documents (and we find the formal document to this matter is what Article 44 of the Implementing Regulations Cooperative Insurance Companies Control, and also item (7) of the document Consolidated compulsory insurance for vehicles and approved by the Saudi Arabian Monetary Agency).
/ How does the insurance claim to reduce employee?There are more than a formula, it may be through negotiation with the claimant, or object to the amount of the claim.
/ What it is intended to negotiate?Negotiation here means to put pressure on the claimant for the purpose of reducing its value as a company employee gives the impression that the incident is excluded (for example) because the insured driver have been rushed or definitive signal ... etc but (any employee who speaks with you) will Atsaad with you and convince the boss if you are accepted reducing demand by 25%, for example, (the ratio may be more or less). In many cases, the insurance company requires the claimant to bring the pricing of the opposition Sheikh, nor of the company entitled to do so only by addressing the traffic, just in case there is doubt has a value that reform is equal to or higher than the market value of the vehicle before the accident. Some people accept the offer for one reason or another, it may be to believe them what the employee is saying, or the need for rapid access to the required amount, or lack of knowledge of the system and feel that the insurance company the most powerful of them, "backed", which creates the impression that the company will do what you want in the end.
/ What about the technique objection?The meaning is that the insurance company objected to the cost of the claim and considers exaggerated, or that there are parts supposed to not be included in the estimate, or that the repair cost is higher than the market value of the vehicle, or that the incident in the report of wrong ... etc. (This right the insurance company if the objection is justified), and this objection lengthen the duration of the settlement and then delay the disbursement process, and this means a longer duration of the investment amount for the company.
/ But is it the right to negotiate with the insurance company submitted a claim?Of the irregular, not the right of the insurance company pressure on the claim is submitted, but the reality is a different matter. Insurance system emphasizes the importance of settling claims fairly among all parties, but if the insurance company was able to reduce demand (and this reduces the losses and then raise profits) and the consent of the provider claim this is a matter between the two parties.
negotiations
/ If you disagree with the insurance company to settle the claim Aside from GA to take my rights?If you disagree with the insurance company to settle the claim, it is your right to sue the insurance company with one of the committees "to settle disputes and insurance violations" near where you live, there are three committees in the Kingdom: Riyadh, Jeddah, Dammam. This judgment is an independent committees and the problem of the guardian not only keep track of the committees of the General Secretariat administratively, which is a subsidiary of Saudi Arabian Monetary Agency. These committees is a primary specialized committees.
/ What do I need to file a claim with one of the committees "to settle disputes and insurance violations"?To raise the case at one of these committees you need the following:• Visit the General Secretariat of Jean branch and fill in some forms for the lifting of the lawsuit.• Provide "the Secretariat of the committees to settle disputes and insurance violations" of all the relevant documents to invite you, such as: the accident report, images of damage in the vehicle, quotations reform of the three workshops (hand work) credit from the traffic, the value of spare parts from the agency after the discount ... etc. which mentioned above.• will determine a date for you to look into your claim in the presence of the defendant (insurance company) or on behalf of (and agent).
/ What can I call in my call against the insurance company?You can claim full reimbursed for what has happened in losses because of the accident, which may include the following:• the cost of repairing the vehicle, and include:o hand work,o spare parts after the discount (of the IAEA),o vehicle transport expenses.o expenses to obtain quotations reform.• compensation for the vehicle ahead of market value before and after the incident (if it is beyond repair or reform that the value is equal to or higher than the market value of the vehicle before the accident).• compensate you for the period of delay (if there was a delay and procrastination), and Athbak your right to compensation, you need to demonstrate the following:o document proving the claim was submitted to the defendant and its history.o images of entire documents.o proof of the date of completion of documents.o proof of the date of response prompted the insurance company.
/ Do I have the right to claim the cost of medical treatment if the incident caused me to be hospitalized for treatment?Yes, medical treatment expenses are right for the job of your rights stipulated by the compulsory insurance system, which includes all the treatment expenses as long as you are able to prove these expenses and that these expenses related to the incident replace the lawsuit. But if the treatment outside the UK, you must demonstrate that the treatment settings lacking within the Kingdom by medical recommendation.
/ Do you deserve compensation if the accident caused permanent disability to me?Yes, you are entitled to compensation for disability or permanent injury. This compensation requires you to have an instrument "Aloroh" from the court. In this instrument is a specialist judge studying the official medical report the health of your situation to determine permanent damage due to injury from the incident and will determine the amount of compensation for each affected part.
Q / Are compensation includes compensation, in the event of death, God forbid?Yes, legitimate compensation includes compensation, in the event of death and blood money is 300 thousand riyals Muslim men and half of them Muslim women.
Q / Do you pay the insurance company if the judgment issued by the Commission?There are some companies accept the judgment and pay compensation to the plaintiff directly, but there are some companies that objected to the ruling, in which case the company will not have to pay the defendant only after issuing appeals court decision, which may confirm the decision of the Commission has been overruled.
/ If you're a third party, what do I need to get my right to compensation?In the event of being a "third party", the documents that you need are the following:• incident report (passwords or star) company.• repair estimates. The official body (which started the incident) will ask you to get three quotations (from an accredited workshops with traffic) to repair the damage to the vehicle due to the accident, as well as the value of spare parts from the agency after the discount (discount important). I suggest to communicate with the insurance company concerned to send their representatives with you (if they so wish) to obtain the required quotations (This Sereg the objection of the insurance company at a later date).• cost of spare parts from the agency (it is very important to be after the discount). (I've been above are mentioned)• "probably" you need to bring the market value of the vehicle before and after the incident of Sheikh opposition, to make sure that the vehicle repair cost is equal to or less than the market value. (It should be conversion to formally Sheikh exhibitions of the Traffic Department)• It is important that a claim (fill in communication accident third-party) written form to the insurance company in question, and keep a copy of the application, it is important to remember history on demand, and keep more of it.• While recognizing "full documents" are prompted to employee insurance company make sure you have the paper says that the company has received a complete claim documents, and make sure you have a clear history.• You need to know that if he caused the accident has an insurance policy in effect at the time of the accident insurance company obliged to reimburse you even if the reason is excluded in the document such as speeding or other because the insurance company it reimbursed and then have the right to claim the insured has caused the loss, if He wanted to.• Keep pictures of the incident and specifically affected places in the vehicle, perhaps panoramic photo of the crash site.• You must document all communication with the insurance company sms messages or an e-mail ... etc., remember well that verbal speech will not benefit you if a dispute between you and the insurance company happened later.
Preview of the vehicle damaged
/ Is there a specific period in order to pay my insurance company required compensation?Yes, the system imposes on the insurance company to reimburse you receive it within 15 days, up to a maximum of the company receiving the "whole" if the insurance claim documents individually, and if the insurance company for the duration of corporate compensation be within 45 days maximum. But if the whole has not received the required documents for any reason. This period is calculated, and just starts calculating how long after the completion of the documents (and we find the formal document to this matter is what Article 44 of the Implementing Regulations Cooperative Insurance Companies Control, and also item (7) of the document Consolidated compulsory insurance for vehicles and approved by the Saudi Arabian Monetary Agency).
/ How does the insurance claim to reduce employee?There are more than a formula, it may be through negotiation with the claimant, or object to the amount of the claim.
/ What it is intended to negotiate?Negotiation here means to put pressure on the claimant for the purpose of reducing its value as a company employee gives the impression that the incident is excluded (for example) because the insured driver have been rushed or definitive signal ... etc but (any employee who speaks with you) will Atsaad with you and convince the boss if you are accepted reducing demand by 25%, for example, (the ratio may be more or less). In many cases, the insurance company requires the claimant to bring the pricing of the opposition Sheikh, nor of the company entitled to do so only by addressing the traffic, just in case there is doubt has a value that reform is equal to or higher than the market value of the vehicle before the accident. Some people accept the offer for one reason or another, it may be to believe them what the employee is saying, or the need for rapid access to the required amount, or lack of knowledge of the system and feel that the insurance company the most powerful of them, "backed", which creates the impression that the company will do what you want in the end.
/ What about the technique objection?The meaning is that the insurance company objected to the cost of the claim and considers exaggerated, or that there are parts supposed to not be included in the estimate, or that the repair cost is higher than the market value of the vehicle, or that the incident in the report of wrong ... etc. (This right the insurance company if the objection is justified), and this objection lengthen the duration of the settlement and then delay the disbursement process, and this means a longer duration of the investment amount for the company.
/ But is it the right to negotiate with the insurance company submitted a claim?Of the irregular, not the right of the insurance company pressure on the claim is submitted, but the reality is a different matter. Insurance system emphasizes the importance of settling claims fairly among all parties, but if the insurance company was able to reduce demand (and this reduces the losses and then raise profits) and the consent of the provider claim this is a matter between the two parties.
negotiations
/ If you disagree with the insurance company to settle the claim Aside from GA to take my rights?If you disagree with the insurance company to settle the claim, it is your right to sue the insurance company with one of the committees "to settle disputes and insurance violations" near where you live, there are three committees in the Kingdom: Riyadh, Jeddah, Dammam. This judgment is an independent committees and the problem of the guardian not only keep track of the committees of the General Secretariat administratively, which is a subsidiary of Saudi Arabian Monetary Agency. These committees is a primary specialized committees.
/ What do I need to file a claim with one of the committees "to settle disputes and insurance violations"?To raise the case at one of these committees you need the following:• Visit the General Secretariat of Jean branch and fill in some forms for the lifting of the lawsuit.• Provide "the Secretariat of the committees to settle disputes and insurance violations" of all the relevant documents to invite you, such as: the accident report, images of damage in the vehicle, quotations reform of the three workshops (hand work) credit from the traffic, the value of spare parts from the agency after the discount ... etc. which mentioned above.• will determine a date for you to look into your claim in the presence of the defendant (insurance company) or on behalf of (and agent).
/ What can I call in my call against the insurance company?You can claim full reimbursed for what has happened in losses because of the accident, which may include the following:• the cost of repairing the vehicle, and include:o hand work,o spare parts after the discount (of the IAEA),o vehicle transport expenses.o expenses to obtain quotations reform.• compensation for the vehicle ahead of market value before and after the incident (if it is beyond repair or reform that the value is equal to or higher than the market value of the vehicle before the accident).• compensate you for the period of delay (if there was a delay and procrastination), and Athbak your right to compensation, you need to demonstrate the following:o document proving the claim was submitted to the defendant and its history.o images of entire documents.o proof of the date of completion of documents.o proof of the date of response prompted the insurance company.
/ Do I have the right to claim the cost of medical treatment if the incident caused me to be hospitalized for treatment?Yes, medical treatment expenses are right for the job of your rights stipulated by the compulsory insurance system, which includes all the treatment expenses as long as you are able to prove these expenses and that these expenses related to the incident replace the lawsuit. But if the treatment outside the UK, you must demonstrate that the treatment settings lacking within the Kingdom by medical recommendation.
/ Do you deserve compensation if the accident caused permanent disability to me?Yes, you are entitled to compensation for disability or permanent injury. This compensation requires you to have an instrument "Aloroh" from the court. In this instrument is a specialist judge studying the official medical report the health of your situation to determine permanent damage due to injury from the incident and will determine the amount of compensation for each affected part.
Q / Are compensation includes compensation, in the event of death, God forbid?Yes, legitimate compensation includes compensation, in the event of death and blood money is 300 thousand riyals Muslim men and half of them Muslim women.
Q / Do you pay the insurance company if the judgment issued by the Commission?There are some companies accept the judgment and pay compensation to the plaintiff directly, but there are some companies that objected to the ruling, in which case the company will not have to pay the defendant only after issuing appeals court decision, which may confirm the decision of the Commission has been overruled.
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