REGULATION ON TARIFF IMPLEMENTATION PRINCIPLES FOR MOTOR VEHICLES COMPULSORY THIRD PARTY LIABILITY INSURANCE

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "REGULATION ON TARIFF IMPLEMENTATION PRINCIPLES FOR MOTOR VEHICLES COMPULSORY THIRD PARTY LIABILITY INSURANCE"

Transcription

1 REGULATION ON TARIFF IMPLEMENTATION PRINCIPLES FOR MOTOR VEHICLES COMPULSORY THIRD PARTY LIABILITY INSURANCE Official Gazette of Publication: Issued by: Undersecretariat of Treasury (Prime Ministry) PART ONE Objective, Scope, Basis and Definitions Objective and scope ARTICLE 1 (1) The objective of this Regulation is to regulate the principles and procedures for the determination of tariffs freely by insurance companies for motor vehicles compulsory third party liability insurance that are established by the Minister in charge of the Treasury Undersecretariat. (2) This Regulation covers provisions concerning the principles for the determination of insurance premiums by insurance companies, application of premium discounts and increases, minimum insurance coverage amounts and the liability insurance required for those carrying out professional activities related with motor vehicles, and those holding races, within the scope of the motor vehicle compulsory third party liability insurance. Basis ARTICLE 2 (1) This Regulation has been prepared pursuant to Article 12 of the Insurance Law No and dated 3/6/2007, and the sub-section (e) of the first paragraph of Article 2 of the Law on Organization and Duties of the Treasury Undersecretariat and Foreign Trade Undersecretariat No and dated 9/12/1994. Definitions ARTICLE 3 (1) The following expressions in this Regulation shall have the following respective meanings; a) Minister: Minister who is in charge of the Treasury Undersecretariat, b) Association: Association of the Insurance and Reinsurance Companies of Turkey, c) (Abolished: OG ) ç) Operator: Operator defined in the Highway Traffic Law No and dated 13/10/1983, d) Undersecretariat: Undersecretariat of Treasury, e) Insurance company: Insurance companies holding license in the motor vehicle liability insurance branch, f) Insurance coverage: Financial coverage and treatment expenses, injuries and death coverage provided within the scope of traffic insurance, g) Traffic insurance: Motor vehicle compulsory third party liability insurance which is mandatory to be procured as per the Highway Traffic Law No. 2918, ğ) TRAMER: Traffic Insurance Information Centre. PART TWO Motor Vehicle Operators Principles for determining insurance premiums ARTICLE 4 (Amended: OG ) (1) (Amended: OG ) Traffic insurance premiums are determined freely by insurance companies as per this Regulation. (2) (Amended: OG ) Insurance companies are obliged to act in compliance with this Regulation provisions. Provided that they are subject to the provision of Article 15 of this Regulation, insurance companies may freely determine the basic insurance premium on city basis, based on the

2 type of vehicle set forth in the charts appended to the Regulation. Insurance companies may freely determine reasons for increase and/or discounts provided that they do not exceed the range of 10% discount and 20% increase based on the amounts specified. Insurance companies may not change the premiums they have determined before 6 months have elapsed. The Undersecretariat is authorized to increase, or entirely abolish, the upper limit for increase in premiums set forth in this paragraph. (3) It is essential that the insurance contracts concluded on behalf of an insurance company for the vehicles and/or operators with the same risks should be arranged on the same premium. Implementing discounts and increases ARTICLE 5 (Amended: OG ) (1) Premium discount due to no claims or premium increase due to claims are implemented as per the level principle specified in this article. Step No Discount % Increase % (2) The level with no premium increase and discount is applicable for those who will be in the traffic for the first time as operators. (3) In case no damage payment is made to the operator throughout the duration of the insurance contract, the premium discount rate applicable for the subsequent insurance contract is determined based on the next level. For each damage payment within the insurance period, the premium increase applicable for the subsequent insurance contract is determined based on one lower level. (4) The practice of premium increase realized due to the premium discount or damage payment shall continue for the operator. (5) In case a vehicle operator has more than one motor vehicle, or in case more than one motor vehicle is operated under the title of an enterprise, or an establishment name, or with the ticket issued by such enterprise, a separate insurance contract shall made for each vehicle, and the premium level applicable shall be determined individually for each vehicle. Documents which are required to be presented and kept ARTICLE 6 (1) In order to determine the premium level, the insured is obliged to present: a) The notary sales statement or the invoice or other documents indicating the relevant transaction, the copy of the vehicle license of the previous owner of the vehicle, and the transportation certificate, if any, in the case of vehicles sold but not yet registered, b) The copy of the vehicle license and the transportation certificate if any, in the case of vehicles registered in the relevant name. (2) In case the most recent policy data of the insured cannot be checked by the insurer through the TRAMER database, the insured shall submit a sample of the most recent policy to the company which will offer the insurance. (3) The Insurance company shall determine the discount and increase rates to be applied on the insurance contract depending on the documents presented by the insured and the claim status certificate to be obtained from TRAMER. In case the document demonstrating the vehicle sale transaction or the copy of the vehicle license, and where necessary, a sample of the most recent policy for the purposes of determining the premium level, the premium increase shall be calculated by adding

3 10% to the premium rate at the highest level. (4) In case insurance companies apply no-claim discounts, or increase premiums due to payment of damages, they should write the date and number of the claim status certificate on the insurance contract, and they should keep the claim status certificates for at least three years, either as hard copies or in electronic medium. Insurance contracts not renewed in time ARTICLE 7 (Amended: OG ) (1) Vehicle operators are obliged to renew insurance contracts as of the date of expiry. For each 30 days of failure of the vehicle operator to renew as of the date of the expiry of the insurance contract, the premium is calculated by adding 5% in the subsequent insurance contract, provided that it shall be limited with 50%. Calculation of discounts and increases ARTICLE 8 (Amended: OG ) (1)Discount and increase rates shall not be implemented on the insurance premium by adding, but on a back-to-back basis. Acquiring vehicle operator status and discounts for compulsory third party liability insurance for road passenger transportation ARTICLE 9 (-With the title- Amended: OG ) (1) Those who acquire vehicle operator status should conclude a traffic insurance as of the date they acquire such status. For each 30 days of failure to fulfill the liability of making insurance contracts as of such date, the premium is calculated by adding 5% in the subsequent insurance contract, provided that it shall be limited with 50%. (2) In case inter-city and international passenger carriers subject to the Highway Transportation Law No certify that they have concluded Compulsory Third Party Liability Insurance for Road Passenger Transportation as per this Law for bodily injuries which the passengers may incur, a 20 per cent discount shall be applied. Losing vehicle operator status ARTICLE 10 (Abolished: OG ) Change of operator and vehicle ARTICLE 11 (1) Insurance contract shall follow the vehicle operator that is the party to the contract. However, in case the operator changes during the contract period, the insurance contract shall be valid for the new operator as well for a period of ten days as of the date the operator has changed, without the need for any further action, and without having to pay premiums. (2) The operator shall inform the insurance company about the details of the new vehicle s/he owns. The no claim discount right that the operator is entitled to shall continue to cover the vehicles of the same type. In case the operator acquires a vehicle of a different vehicle type, the existing contract shall be terminated and a new insurance contract shall be issued. The provision of the second paragraph of article 5 shall be applicable for the new insurance contract to be issued for the operator who receives a premium discount on the existing contract. The premium level applicable for the insurance contracts to be issued for the operators the premiums of whose existing contracts are increased shall continue from where it was. (3) When a new insurance contract is made as per the second paragraph, the premium that the insurance company is entitled to until the date the operator changes, shall be calculated on a daily basis, and the excess shall be returned to the insured.

4 Vehicles taken abroad ARTICLE 12 (Abolished: OG ) Short term insurance ARTICLE 13 (1) Insurance period is one year. However, if vehicles with temporary license plates, international goods and passengers carriers subject to the Highway Transportation Law No and dated 10/7/2003 and vehicles with foreign license plates included in the scope of international multi-party or mutual agreements that do not have any insurance policies accepted with international multi-party or mutual agreements valid in Turkey, they may procure short term traffic insurance when entering the Turkish borders. Short term insurance shall not be applicable for any other vehicles. (2) The premium amount for short term insurance shall be determined on a daily basis, provided it is not less than 25% of the yearly premium calculated with the level four figures. (3) (Amended: OG ) No claim discount shall not be applicable for short term insurance. However, premium increase may be applied for such contracts due to damage, and Compulsory Transportation Insurance discount may be offered. (4) (Amended: OG ) In case the new insurance contract to be issued following the short term insurance contract is a yearly contract, no claim discount shall not be applicable. Facultative third party liability insurance ARTICLE 14 (1) It is possible to offer coverage above the minimum coverage amounts determined with this Regulation, or by the Minister, provided that additional premiums are charged within the scope of the motor vehicle facultative third party liability insurance. Tariffs determined by Insurance Companies ARTICLE 15 (-With the title- Amended: OG ) (1) Insurance companies may determine tariffs provided that they remain in the discount and increase range allowed for them with Article 4 of this Regulation. It is essential that the data within TRAMER that is related with the sector in general also needs to be taken into account when the tariffs are being prepared, and they should be submitted to the Undersecretariat through TRAMER at least 15 days before the implementation starts. The report to be prepared by the authorized company actuary about the company tariffs shall be kept at the headquarters in such a way as to ensure that it is ready for the audit. The tariff related summarised justifications shall be submitted to the Undersecretariat by the companies. (2) TRAMER shall demonstrate the position of the tariffs sent to it in terms of the existing damage and premium data in the Traffic Insurance branch, and shall send them to the Undersecretariat in order to be taken into account when making assessments about the tariff. (3) It is obligatory to arrange the insurance policies through the TRAMER database. No traffic insurance policies may be issued by insurance companies before a TRAMER database is prepared according to the basic insurance premium data determined on a city basis, as per the vehicle type. In addition to compliance with the provisions of this Regulation, TRAMER also checks whether the discount and increase ranges allowed for companies within the scope of Article 4 are exceeded or not. (4) The Association may prepare a Traffic Insurance Guide Tariff as per the principles set forth by the Undersecretariat provided that it is not binding. The Guide Tariff shall be published on the website of the Association. Amendments ARTICLE 16 (Amended: OG ) (1) The Undersecretariat may change the premium amounts determined by the insurance companies, within the scope of the increase and decrease limits pursuant to Article 4, taking into account the financial structures of insurance companies, in compliance with the principles of the prevention of unfair competition in the sector, and with the insurance principles, without being bound by the above period.

5 Traffic insurance tenders held by public institutions and establishments ARTICLE 17 (1) (Amended: OG ) The insurance premium to be quoted for the traffic insurance tenders held by public institutions and establishments shall be freely determined by insurance companies. (2) Insurance companies that are awarded the traffic insurance tenders within the scope of this article shall send the tender details to TRAMER within 3 working days at the latest, as of the date of the tender. TRAMER shall notify the tender information to the Undersecretariat on a monthly basis. PART THREE Those Carrying Out Professional Activities in relation with Motor Vehicles Coverages ARTICLE 18 (1) Owners of enterprises carrying out professional activities related with motor vehicles shall be obliged to procure third party liability insurance for the liability they are subject to, due to the damages caused by a motor vehicle entrusted with them for monitoring, repair, maintenance, buying and selling, modification purposes, or for similar purposes. Determining premiums ARTICLE 19 (1) Premiums shall be freely determined by the insurance companies and collected as single payments. When determining premiums, along with other factors affecting the risk of the insured, for establishments which carry out monitoring services (parking lots-garages) and buying and selling transactions (automobile galleries), the vehicle park capacity of the work place, for establishments which carry out maintenance and repair services (repair facilities-service stations), the number of permanent employees shall be taken as the basis. (2) Insurance contract may be terminated in case the work place is transferred, activities cease or are terminated, or in similar cases. The premium that the insurance company is entitled to until the date of termination shall be calculated on a daily basis, and the excess shall be returned to the insured. PART FOUR Race Organizers Coverages ARTICLE 20 (1) Race organizers should conclude liability insurance with the minimum coverage set forth in this Regulation for motor vehicle operators depending on the types of vehicles, which are in the race or show, which accompany them, and which are used during the race or show, in order to cover the liabilities of the persons taking part in the race, and those assisting them, towards third parties during the course of the race. (2) The coverage for bicycles used in bicycle shows may not be below the coverage amounts determined for motorcycle or cargo motorcycle operators. Determining premiums ARTICLE 21 (1) Premiums are freely determined between the insurance companies and those holding races and shows, and collected as single payments.

6 Insurance period ARTICLE 22 (1) The period of the insurance contracts should cover the pre-race rehearsals and trainings, along with the races. PART FIVE Miscellaneous and Final Provisions Furnishing information ARTICLE 23 (1) It is mandatory to present in a legible manner the reasons, rates and amounts for the discounts and increases taken as the basis when issuing insurance policies. Application of new coverage amounts to the contracts that are in effect ARTICLE 24 (1) The coverage amounts specified with this Regulation are applicable for all insurance contracts in effect without charging any additional premium. (2) Insurance companies shall be obliged to write the following expression on the front side of the policies they issue: "In case the coverage amounts are increased by the Minister in charge of the Undersecretariat of Treasury, during the contract period, the coverage amounts specified in this contract shall be applicable based on the new coverage amounts without the need for any further procedure, and without charging any additional premiums. Policy records and information to be sent to TRAMER ARTICLE 25 (1) Insurance companies shall be obliged to generate the traffic insurance policies on-line. (2) Insurance companies shall be obliged to send to TRAMER the policies and damage data related with traffic insurance with a delay of at most one day. Compulsory traffic insurance stamp ARTICLE 26 (1) Insurance companies shall be obliged to give the insured parties the Compulsory Traffic Insurance Stamps printed by the Association of the Insurance and Reinsurance Companies of Turkey, bearing the serial number as well as name of the insurance company, and insurance period, along with the insurance contracts, to be placed on the windshield of the insured vehicle. Clearing room ARTICLE 27 (1) sons who have suffered from damages in a traffic accident involving more than one vehicle may apply to any insurer of the vehicles, or to the assurance account in cases stipulated in Article 14 of the Insurance Law No. 5684, for their damages to be covered. The insurer that pays the expenses or the assurance account may ask the amount it has paid, to be shared in proportion with the respective responsibility rates. (2) The demands for recourse to be made within the scope of this article shall be reimbursed through the clearing room specified in section (i) of the second paragraph of Article 5 of the Regulation on Traffic Insurance Information Centre published in the Official Gazette No and dated 11/4/2007. Confidentiality ARTICLE 28 (1) The issues determined by the insurance companies within the scope of Article 4 may not be given to the TRAMER Board members in any manner whatsoever.

7 (2) TRAMER Board members and TRAMER personnel may not use, or share with anyone else, the information conveyed to TRAMER throughout, and upon the termination of their relevant duties. TRAMER obtains a confidentiality statement, to be approved by the Undersecretariat, from the persons who are included in the scope of this article but who do not hold public offices. Sanctions ARTICLE 29 (1) Administrative fines shall be applicable for the insurance companies and their intermediaries who violate this Regulation or the principles, as required by sub-section (j) of the second paragraph of Article 34 of the Insurance Law No Tariffs for 2007 and 2008 PROVISIONAL ARTICLE 1 (1) Among the tariffs specified in the first paragraph of Article 12 of the Insurance Law No. 5684, those included within the scope of this Regulation are indicated in the annex to this Regulation. Principles to be applicable in 2007 and 2008 PROVISIONAL ARTICLE 2 (1) Within the scope of the first paragraph of Article 15, and provided that it is for 2007 only, the principles prepared by the Association shall be sent to the Undersecretariat to be approved by 15/7/2007. The principles approved by the Undersecretariat shall enter into force on 1/8/2007. The 6- month period specified in Article 16 shall not be applicable for the principles to become applicable on 1/1/2008. The proposal for the principles to become effective on such date shall be submitted for the opinion of the Undersecretariat at the latest by 30/11/2007. Inspections to be carried out by TRAMER in 2007 PROVISIONAL ARTICLE 3 (Amended: OG ) (1) For the inspections to be carried out by TRAMER within the scope of the third paragraph of Article 15 by 1/7/2008, compliance with the principles shall be taken into account. PROVISIONAL ARTICLE 4 (Addition: OG ) (1) Among those who lose their vehicle operator status before 1/7/2008, and the operators who take their vehicles abroad for professional activities or for work related purposes, for those who meet the conditions set forth in Articles 10 and 12, these articles shall be applicable upon request. Entry into Force ARTICLE 30 (1) This Regulation shall enter into force as indicated below: a) The first paragraph of Article 4 on 1/8/2007, b) Other provisions on the date of publication. Enforcement ARTICLE 31 (1) The provisions of this Regulation shall be executed by the Minister in charge of the Undersecretariat of Treasury.

8 EK_KMAZMSS Tariff Implementation Principles ** ** The relevant annex has been amended, to become effective on , pursuant to the Regulation Amending Regulation on Tariff Implementation Principles for Motor Vehicles Compulsory Third Party Liability Insurance published in the Official Gazette of , no Please click for the Regulation. EK_KMAZMSS Tariff Implementation Principles ** REGULATION ON TARIFF IMPLEMENTATION PRINCIPLES FOR MOTOR VEHICLES COMPULSORY THIRD PARTY LIABILITY INSURANCE ANNEX Chart 1 The minimum insurance coverage applicable for motor vehicle operators as of 1/3/2010 Coverage (TRY) A-Financial *5 B-Treatment Expenses C-Injury and Death Vehicle Vehicle Group Group Code Vehicle son son 1 Automobile Taxi Van (9-15 seats including the driver) Bus (16-30 seats including the driver) Bus (31 seats and above including the driver) Pick-up Truck Truck Work Machinery * Farm Tractor Trailer * Motorcycle and Cargo Motorcycle Tanker Truck Tractor Trailer Special Purpose Vehicle * Dolmuş (5-8 seats including the driver) Van Dolmuş (9-15 seats including the driver) Bus Dolmuş (16-30 seats including the driver) Bus Dolmuş (31 seats and above including the driver) Other Vehicles * Agricultural motor vehicles other than farm tractors are included in this scope.

9 2 Trailers used for human transportation. Trailers not used for human transportation are included in the insurance of the motor vehicles towing them. 3 Motor vehicles manufactured for special purposes, for human transport or for carrying goods, and motor vehicles such as fire trucks, ambulances (SA), live broadcast and recording (radio, cinema, television), library, recreational vehicles (SA), armored vehicles (SB), research cats, funeral coaches (SD) and motor vehicles used for special purposes such as towing, transporting or removing broken or damaged vehicles. 4 Vehicles not included in the above definitions. 5 The amount of coverage for tangible assets other than the vehicle equals to the coverage amount per accident. Chart 2 The minimum insurance coverage applicable for motor vehicle operators as of 1/1/2011 Coverage (TRY) A-Financial *5 B-Treatment Expenses C-Injury and Death Vehicle Vehicle Group Group Code Vehicle son son 1 Automobile Taxi Van (9-15 seats including the driver) Bus (16-30 seats including the driver) Bus (31 seats and above including the driver) Pick-up Truck Truck Work Machinery * Farm Tractor Trailer * Motorcycle and Cargo Motorcycle Tanker Truck Tractor Trailer Special Purpose Vehicle * Dolmuş (5-8 seats including the driver) Van Dolmuş (9-15 seats including the driver) Bus Dolmuş (16-30 seats including the driver) Bus Dolmuş (31 seats and above including the driver) Other Vehicles * Agricultural motor vehicles other than farm tractors are included in this scope. 2 Trailers used for human transportation. Trailers not used for human transportation are included in the insurance of the motor vehicles towing them. 3 Motor vehicles manufactured for special purposes, for human transport or for carrying goods, and motor vehicles such as fire trucks, ambulances (SA), live broadcast and recording (radio, cinema, television), library, recreational vehicles (SA), armored vehicles (SB), research cats, funeral coaches (SD) and motor vehicles used for special purposes such as towing, transporting or removing broken or damaged vehicles. 4 Vehicles not included in the above definitions. 5 The amount of coverage for tangible assets other than the vehicle equals to the coverage amount per accident.

10 Chart 3 Minimum insurance coverage applicable as of 1/3/2010 for those carrying out professional activities in relation with motor vehicles Coverage (TRY) A- Financial B-Treatment Expenses C- Injury and death Enterprise Owners Vehicle son son 1-Those in charge of monitoring (parking lots-garages) Those in charge of repair and maintenance services (repair facilitiesservice stations) Those dealing in buying and selling transactions (galleries) Chart 4 Minimum insurance coverage applicable as of 1/1/2011 for those carrying out professional activities in relation with motor vehicles Coverage (TRY) Enterprise Owners A- Financial B-Treatment Expenses C- Injury and death Vehicle son son 1-Those in charge of monitoring (parking lots-garages) Those in charge of repair and maintenance services (repair facilitiesservice stations) Those dealing in buying and selling transactions (galleries) ARTICLE 2 The below sentence has been added to the first paragraph of Article 25 of the same Regulation. It is mandatory to print in 12 font size the Insurance Information Centre Number and the Information Processing Reference Number generated by the Insurance Information Centre for each policy, which appears on the traffic insurance policies. ARTICLE 3 The below provisional article has been added to the same Regulation. PROVISIONAL ARTICLE 5 The existing discount rights of the insured parties whose policies shall be renewed according to the new vehicle types added and defined through the amendment made in the charts appended to this Regulation, effective as of 1/1/2010 shall be reserved. ARTICLE 4 This Regulation shall become effective on 1/1/2010. ARTICLE 5 The provisions of this Regulation shall be enforced by the Minister that the Treasury Undersecretariat operates under. Date The Official Gazette in which the Regulation is Published No.

11 14/7/ The Official Gazette in which the Regulations Amending the Regulation are Published Date No. 1-6/2/ /6/ REGULATIONS From The premium Ministry (Treasury Undersecretariat): REGULATION AMENDING REGULATION ON TARIFF IMPLEMENTATION PRINCIPLES FOR MOTOR VEHICLES COMPULSORY THIRD PARTY LIABILITY INSURANCE ARTICLE 1 The annex to the Regulation on Tariff Implementation Principles for Motor Vehicles Compulsory Third Party Liability Insurance published in the Official Gazette of 14/7/2007, no has been amended as follows. ANNEX Chart 1 Minimum insurance coverage applicable for motor vehicle operators as of 1/1/2012 Vehicle Group Code Vehicle Group Coverage(TRY) A-Financial *5 B-Health Expenses C-Injury and Death Vehicle son son 1 Automobile Taxi Van (9-15 seats including the driver) Bus (16-30 seats including the driver) Bus (31 seats and above including the driver) Van (9-15 seats including the driver) Bus (16-30 seats including the driver) Bus (31 seats and above including the driver) Pick-up Truck Truck Work Machinery * Farm Tractor Trailer * Motorcycle and Cargo 11 Motorcycle Tanker Truck Tractor Trailer Special Purpose Vehicle * Dolmuş (5-8 seats including the driver) Van Dolmuş (9-15 seats including the driver) Bus Dolmuş (16-30 seats including the driver)

12 18 19 Bus Dolmuş (31 seats and above including the driver) Dolmuş (5-8 seats including the driver) Other Vehicles * Agricultural motor vehicles other than farm tractors are included in this scope. 2 Trailers used for human transportation. Trailers not used for human transportation are included in the insurance of the motor vehicles towing them. 3 Motor vehicles manufactured for special purposes, for human transport or for carrying goods, and motor vehicles such as fire trucks, ambulances (SA), live broadcast and recording (radio, cinema, television), library, recreational vehicles (SA), armored vehicles (SB), research cats, funeral coaches (SD) and motor vehicles used for special purposes such as towing, transporting or removing broken or damaged vehicles. 4 Vehicles not included in the above definitions. 5 The amount of coverage for tangible assets other than the vehicle equals to the coverage amount per accident. Chart 2 Minimum insurance coverage applicable as of 1/1/2012 for those carrying out professional activities in relation with motor vehicles Coverage (TRY) Enterprise Owners A- Financial B-Health Expenses C- Injury and death Vehicle son son 1-Those in charge of monitoring (parking lots-garages) Those in charge of repair and maintenance services (repair facilities-service stations) Those dealing in buying and selling transactions (galleries) ARTICLE 2 This Regulation shall become effective on 1/1/2012. ARTICLE 3 The provisions of this Regulation shall be enforced by the Minister in charge of the Treasury Undersecretariat. The Official Gazette in which the Regulation is Published Date No. 14/7/ The Official Gazette in which the Regulations Amending the Regulation are Published Date No. 1-6/2/ /6/ /12/

2015 Massachusetts Automobile Insurance Policy. Memorandum of Changes

2015 Massachusetts Automobile Insurance Policy. Memorandum of Changes 2015 Massachusetts Automobile Insurance Policy Memorandum of Changes This edition of the policy incorporates the provisions of the Massachusetts Mandatory Endorsement M-0099-S (Ed. 9-11), and, in addition,

More information

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY This Endorsement amends the Policy as follows: I. DEFINITIONS The Definitions Section is amended as follows: A. The third paragraph is replaced

More information

MANDATORY VEHICLE INSURANCE Terms and conditions No. 500

MANDATORY VEHICLE INSURANCE Terms and conditions No. 500 These insurance terms and conditions consist of three independent insurance contracts and are divided into four sections. The final section applies jointly to all three insurance contracts. The division

More information

REGULATION ON WORKING PRINCIPLES AND PROCEDURES OF THE ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY

REGULATION ON WORKING PRINCIPLES AND PROCEDURES OF THE ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY REGULATION ON WORKING PRINCIPLES AND PROCEDURES OF THE ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY Official Gazette of Publication: 01.07.2008 26923 Issued By: Prime Ministry (Undersecretariat

More information

REGULATION ON FINANCIAL REPORTING BY INSURANCE AND REINSURANCE COMPANIES AND PENSION COMPANIES

REGULATION ON FINANCIAL REPORTING BY INSURANCE AND REINSURANCE COMPANIES AND PENSION COMPANIES REGULATION ON FINANCIAL REPORTING BY INSURANCE AND REINSURANCE COMPANIES AND PENSION COMPANIES Official Gazette of Publication: 14.07.2007 26582 Issued By: Prime Ministry (Undersecretariat of Treasury)

More information

COMMERCIAL VEHICLE CERTIFICATE AND INSURANCE REGULATION

COMMERCIAL VEHICLE CERTIFICATE AND INSURANCE REGULATION Province of Alberta TRAFFIC SAFETY ACT COMMERCIAL VEHICLE CERTIFICATE AND INSURANCE REGULATION Alberta Regulation 314/2002 With amendments up to and including Alberta Regulation 87/2014 Office Consolidation

More information

Compulsory Third-party Liability Insurance for Motor Vehicles. Accident Insurance for Driver and Owner as Passengers Windshield Insurance

Compulsory Third-party Liability Insurance for Motor Vehicles. Accident Insurance for Driver and Owner as Passengers Windshield Insurance Accident Insurance for Driver and Owner as Passengers Windshield Insurance Insurance Terms This policy is covered by the Insurance Contracts Act No. 20 of 1954 unless otherwise specified in these terms

More information

TRAILER INTERCHANGE AGREEMENT. THIS AGREEMENT is entered into by and between Panther Expedited Services, Inc. ("Carrier") and ("User").

TRAILER INTERCHANGE AGREEMENT. THIS AGREEMENT is entered into by and between Panther Expedited Services, Inc. (Carrier) and (User). TRAILER INTERCHANGE AGREEMENT THIS AGREEMENT is entered into by and between Panther Expedited Services, Inc. ("Carrier") and ("User"). In consideration of the mutual undertakings of the parties hereto,

More information

REGULATION ON ESTABLISHMENT AND WORKING PRINCIPLES OF INSURANCE COMPANIES AND REINSURANCE COMPANIES

REGULATION ON ESTABLISHMENT AND WORKING PRINCIPLES OF INSURANCE COMPANIES AND REINSURANCE COMPANIES REGULATION ON ESTABLISHMENT AND WORKING PRINCIPLES OF INSURANCE COMPANIES AND REINSURANCE COMPANIES Official Gazette of Publication:.08.007 66 Issued By: Prime Ministry (Undersecretariat of Treasury) PART

More information

LAW ON COMPULSORY TRAFFIC INSURANCE

LAW ON COMPULSORY TRAFFIC INSURANCE LAW ON COMPULSORY TRAFFIC INSURANCE CONSOLIDATED TEXT 1Law on Compulsory Traffic Insurance ( Official Gazette of the Republic of Macedonia nos. 88/2005, 70/2006, 81/2008, 47/2011, 135/2011 and 112/2014).

More information

REGULATION ON INDEPENDENT AUDITING IN INSURANCE AND REINSURANCE COMPANIES AND PENSION COMPANIES

REGULATION ON INDEPENDENT AUDITING IN INSURANCE AND REINSURANCE COMPANIES AND PENSION COMPANIES REGULATION ON INDEPENDENT AUDITING IN INSURANCE AND REINSURANCE COMPANIES AND PENSION COMPANIES Official Gazette of Publication: 12.07.2008-26934 Issued By: Prime Ministry (Undersecretariat of Treasury)

More information

LAW ON COMPULSORY TRAFFIC INSURANCE. (consolidated text) 1 I BASIC PROVISIONS. Subject matter. Article 1

LAW ON COMPULSORY TRAFFIC INSURANCE. (consolidated text) 1 I BASIC PROVISIONS. Subject matter. Article 1 LAW ON COMPULSORY TRAFFIC INSURANCE (consolidated text) 1 I BASIC PROVISIONS Subject matter Article 1 This Law governs compulsory traffic insurance, sets up the Guarantee Fund, defines its scope of authority

More information

Commercial Automobile Insurance Manual

Commercial Automobile Insurance Manual (RULE 112) AMBULANCE SERVICES 1. Ambulance (Class Code 79130) Multiply the fleet or non-fleet Trucks, Tractors and Trailers base premium by 3.00. by the following rating factors:.87 1.23 2. Ambulance Type

More information

Rule 3 on Amending Rule on Compulsory Third Party Liability Motor Vehicle Insurance

Rule 3 on Amending Rule on Compulsory Third Party Liability Motor Vehicle Insurance Pursuant to the authority given under Section 17.b of Law on Central Bank of the Republic of Kosovo and Section 3.3 of the UNMIK Regulation No. 2001/25 dated 5 October 2001 on Licensing, Supervision and

More information

REGULATION ON MEASUREMENT AND ASSESSMENT OF CAPITAL REQUIREMENTS OF INSURANCE AND REINSURANCE COMPANIES AND PENSION COMPANIES

REGULATION ON MEASUREMENT AND ASSESSMENT OF CAPITAL REQUIREMENTS OF INSURANCE AND REINSURANCE COMPANIES AND PENSION COMPANIES REGULATION ON MEASUREMENT AND ASSESSMENT OF CAPITAL REQUIREMENTS OF INSURANCE AND REINSURANCE COMPANIES AND PENSION COMPANIES Official Gazette of Publication: 19.01.2008 26761 Issued By: Prime Ministry

More information

Automobile Insurers Bureau

Automobile Insurers Bureau Automobile Insurers Bureau Massachusetts Automobile Policy Please read your policy. Part of the policy is a page marked Coverage Selections. It shows the types and amounts of coverage you have purchased.

More information

220 Third-Party Liability Insurance for Motor Vehicles

220 Third-Party Liability Insurance for Motor Vehicles A COMPULSORY THIRD PARTY LIABILITY INSURANCE FOR MOTOR VEHICLES 1. The insured parties 1.1 The policyholder is insured, as well as whoever uses or drives the vehicle with his consent. Should the vehicle

More information

Vehicle Registration and Insurance. Vehicle Registration and Insurance

Vehicle Registration and Insurance. Vehicle Registration and Insurance Vehicle 7 Vehicle 165 7 Vehicle This chapter contains information on vehicle ownership and registrations. 166 Before you operate a vehicle on a highway in Nova Scotia, your vehicle must meet a number of

More information

COMPULSORY INSURANCE IN SERBIA

COMPULSORY INSURANCE IN SERBIA NATIONAL BANK OF SERBIA Insurance Supervision Department Belgrade, August 2015 COMPULSORY INSURANCE IN SERBIA 1. LAW ON COMPULSORY TRAFFIC INSURANCE (RS Official Gazette, Nos 51/2009, 78/2011, 101/2011,

More information

Automobile Service Operations Application

Automobile Service Operations Application Automobile Service Operations Application NATIONAL INDEMNITY COMPANY OF THE SOUTH NATIONAL LIABILITY & FIRE INSURANCE COMPANY Administrative Office Omaha, Nebraska Desired Policy Term From: To: 1. Named

More information

Automobile Insurers Bureau

Automobile Insurers Bureau Automobile Insurers Bureau Massachusetts Automobile Policy Please read your policy. Part of the policy is a page marked Coverage Selections. It shows the types and amounts of coverage you have purchased.

More information

Act No. 168/1999 Coll. - Motor Third Party Liability Insurance act

Act No. 168/1999 Coll. - Motor Third Party Liability Insurance act Act No. 168/1999 Coll. - Motor Third Party Liability Insurance act on liability insurance for damage caused by operation of vehicle and on amendments to certain related acts (the Motor Third-Party Liability

More information

ALL AMERICAN TRUCKING CO. LLC Carrier Sign on Checklist

ALL AMERICAN TRUCKING CO. LLC Carrier Sign on Checklist ALL AMERICAN TRUCKING CO. LLC Carrier Sign on Checklist Carrier Name: Signed Transportation Agreement between ALL AMERICAN TRUCKING CO. LLC and Carrier Copy of Carrier s PUCO Operating Authority Signed

More information

Automobile Service Operations Application

Automobile Service Operations Application Automobile Service Operations Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY

More information

LAW ON COMPULSORY TRANSPORT INSURANCE

LAW ON COMPULSORY TRANSPORT INSURANCE Pursuant to Article 88 point 2 of the Constitution of the Republic of Montenegro I hereby pass the ENACTMENT PROCLAIMING THE LAW ON COMPULSORY TRANSPORT INSURANCE (Official Gazette of the Republic of Montenegro,

More information

Vehicle insurance. Insurance terms no. BA10. The following apply to the insurance:

Vehicle insurance. Insurance terms no. BA10. The following apply to the insurance: Vehicle insurance The following apply to the insurance: The insurance policy together with special entries and special terms. These terms no. BA10. The company s joint terms no. YY10. The Act on Insurance

More information

ARTICLE 3 (1) In the implementation of this Regulation, the following terms shall refer to the corresponding meanings:

ARTICLE 3 (1) In the implementation of this Regulation, the following terms shall refer to the corresponding meanings: REGULATION ON THE PROCEDURES AND PRINCIPLES FOR GRANTING OPERATING CERTIFICATE TO ACCESS PROVIDERS AND HOSTING PROVIDERS BY THE TELECOMMUNICATION AUTHORITY CHAPTER ONE Purpose and Scope, Basis and Definitions

More information

MOTOR VEHICLE CLAIM FORM

MOTOR VEHICLE CLAIM FORM MOTOR VEHICLE CLAIM FORM Dear Policyholder, We re sorry to hear you ve had an accident. Our aim is to settle your claim as quickly as possible. You can help us do this by ensuring the enclosed claim form

More information

ELECTRONIC SIGNATURE LAW

ELECTRONIC SIGNATURE LAW ELECTRONIC SIGNATURE LAW (Published in the Official Gazette ref 25355, 2004-01-23) SECTION ONE Purpose, Scope and Definitions Purpose Article 1 The purpose of this Law is to define the principles for the

More information

LAW NO: 5549 ON PREVENTION OF LAUNDERING PROCEEDS OF CRIME

LAW NO: 5549 ON PREVENTION OF LAUNDERING PROCEEDS OF CRIME LAW NO: 5549 ON PREVENTION OF LAUNDERING PROCEEDS OF CRIME (Adopted on 11/10/2006 and published in the Official Gazette dated 18/10/2006 with the number 26323) CHAPTER ONE Purpose and Definitions Objective

More information

VEHICLE ACQUISITION, OPERATION AND DISPOSAL POLICY

VEHICLE ACQUISITION, OPERATION AND DISPOSAL POLICY VEHICLE ACQUISITION, OPERATION AND DISPOSAL POLICY Last Revision: March 10, 2009 Policy Statement Columbia University places the utmost importance on the safety of drivers and occupants of University vehicles.

More information

64th Legislature AN ACT INCREASING MOTOR VEHICLE LIABILITY INSURANCE MINIMUM REQUIREMENTS FOR

64th Legislature AN ACT INCREASING MOTOR VEHICLE LIABILITY INSURANCE MINIMUM REQUIREMENTS FOR 64th Legislature HB0375 AN ACT INCREASING MOTOR VEHICLE LIABILITY INSURANCE MINIMUM REQUIREMENTS FOR PROPERTY DAMAGE; AMENDING SECTION 61-6-103, MCA; AND PROVIDING AN APPLICABILITY DATE. BE IT ENACTED

More information

COMPULSORY THIRD PARTY LIABILITY INSURANCE

COMPULSORY THIRD PARTY LIABILITY INSURANCE COMPULSORY THIRD PARTY LIABILITY INSURANCE CONTENTS PAGE PART I Circular no. 126/2008/TT-BTC 2 PART II Circular no. 151/2012/TT-BTC 10 1 MINISTRY OF FINANCE No. 126/2008/ TT-BTC THE SOCIALIST REPUBLIC

More information

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance

1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance 1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California

More information

AUTOMOBILE LIABILITY SECURITY ACT

AUTOMOBILE LIABILITY SECURITY ACT AUTOMOBILE LIABILITY SECURITY ACT & RELATED CABINET ORDER, MINISTERIAL ORDINANCE AND NOTIFICATION Including: Policy Conditions for Automobile Liability Insurance As of May 2, 2011 Translated and published

More information

Republika e Kosovës Republika Kosovo - Republic of Kosovo Kuvendi - Skupština - Assembly

Republika e Kosovës Republika Kosovo - Republic of Kosovo Kuvendi - Skupština - Assembly Republika e Kosovës Republika Kosovo - Republic of Kosovo Kuvendi - Skupština - Assembly Law No. 04/L-018 ON COMPULSORY MOTOR LIABILITY INSURANCE Assembly of Republic of Kosovo; Based on Article 65, paragraph

More information

OFFICIAL GAZETTE OF THE REPUBLIC OF KOSOVA / No. 4 / 14 JULY 2011, PRISTINA. LAW No. 04/L-018 ON COMPULSORY MOTOR LIABILITY INSURANCE

OFFICIAL GAZETTE OF THE REPUBLIC OF KOSOVA / No. 4 / 14 JULY 2011, PRISTINA. LAW No. 04/L-018 ON COMPULSORY MOTOR LIABILITY INSURANCE OFFICIAL GAZETTE OF THE REPUBLIC OF KOSOVA / No. 4 / 14 JULY 2011, PRISTINA LAW No. 04/L-018 ON COMPULSORY MOTOR LIABILITY INSURANCE Assembly of Republic of Kosovo; Based on Article 65, paragraph (1) of

More information

POLICY TEMPLATE. Vice President, Finance and Administration

POLICY TEMPLATE. Vice President, Finance and Administration POLICY TEMPLATE Procurement, Lease, Maintenance and Use of Motor Vehicles Category: Approval: Responsibility: Date: Operations Vice President, Finance and Administration Vice President, Finance and Administration

More information

13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1 NMAC - Rn & A, 13 NMAC 12.3.

13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1 NMAC - Rn & A, 13 NMAC 12.3. TITLE 13 CHAPTER 12 PART 3 INSURANCE MOTOR VEHICLE INSURANCE UNINSURED AND UNKNOWN MOTORISTS COVERAGE 13.12.3.1 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 13.12.3.1

More information

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance.

Auto. The Instant Insurance Guide: Info and tips for buying automobile and motorcycle insurance in Delaware. www.delawareinsurance. The Instant Insurance Guide: Auto Info and tips for buying automobile and motorcycle insurance in Delaware From Karen Weldin Stewart, CIR-ML Delaware s Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov

More information

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware

Auto. The Instant Insurance Guide: What To Do If You re In An Accident. Info and tips for buying automobile and motorcycle insurance in Delaware What To Do If You re In An Accident Stop and keep calm. Do not drive away from an accident. Do not argue with the other driver over the cause. Call an ambulance, if needed. Do what you can to provide first

More information

Commonwealth of Puerto Rico OFFICE OF THE COMMISSIONER OF INSURANCE RULE 70. TABLE OF CONTENTS Regulation 6254

Commonwealth of Puerto Rico OFFICE OF THE COMMISSIONER OF INSURANCE RULE 70. TABLE OF CONTENTS Regulation 6254 Commonwealth of Puerto Rico OFFICE OF THE COMMISSIONER OF INSURANCE RULE 70 TABLE OF CONTENTS Regulation 6254 SUBSECTIONS PAGES SUBSECTION 1. - Purpose... 1 SUBSECTION 2. - Definitions... 1 SUBSECTION

More information

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL INJURY PROTECTION COVERAGE MINNESOTA

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL INJURY PROTECTION COVERAGE MINNESOTA POLICY NUMBER: PERSONAL AUTO PP 05 67 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL INJURY PROTECTION COVERAGE MINNESOTA With respect to coverage provided by this endorsement,

More information

: As defined in the Traffic Act in force. Accident

: As defined in the Traffic Act in force. Accident Regulation No. (32) of 2001 Civil Liability Compulsory Motor Insurance Regulation * Issued pursuant to Articles (99) and (108) ** of the Insurance Regulatory Act No. (33) of 1999 *** Article (1): This

More information

OREGON MUTUAL INSURANCE GROUP G0574AO (1-10) SECTION II - PERSONAL INJURY PROTECTION

OREGON MUTUAL INSURANCE GROUP G0574AO (1-10) SECTION II - PERSONAL INJURY PROTECTION OREGON MUTUAL INSURANCE GROUP G0574AO (1-10) SECTION II - PERSONAL INJURY PROTECTION We agree with you, subject to all the terms of this endorsement and to all of the terms of the policy unless modified

More information

Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage!

Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage! Rental Car Coverage and the MAP - So Much Exposure & So Little Coverage! RENTAL CAR COVERAGE & THE MAP- SO MUCH EXPOSURE & SO LITTLE COVERAGE Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW PO BOX 781

More information

Premium Table of Compulsory Automobile Liability Insurance for Car Amended on March 1, 2009

Premium Table of Compulsory Automobile Liability Insurance for Car Amended on March 1, 2009 Premium Table of Compulsory Automobile Liability Insurance for Car Amended on March 1, 2009 The table of premium of Compulsory Automobile Liability Insurance, 2009 (Automobile 1) Commercial Sedan Dual

More information

Policy Summary. Keep this wording safe.

Policy Summary. Keep this wording safe. Policy Summary Keep this wording safe. Covéa Insurance Private Car This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your

More information

ROYAL DECREE NO.28/93. The Traffic Law

ROYAL DECREE NO.28/93. The Traffic Law We, Qaboos bin Saeed, Sultan of Oman, ROYAL DECREE NO.28/93 The Traffic Law After perusal of Royal Decree No.26/75 issuing the Law setting up the Administration Apparatus of the State as amended and Royal

More information

MAINE COMMUNITY COLLEGE SYSTEM

MAINE COMMUNITY COLLEGE SYSTEM MAINE COMMUNITY COLLEGE SYSTEM HEALTH AND SAFETY Section 800.1 SUBJECT: PURPOSE: MOTOR VEHICLE PROCEDURE To promote the safe the authorized operation of motor vehicles operated on behalf, or for the benefit,

More information

PHYSICAL DAMAGE Medical Combined Single. Maximum Bodily Injury Property Damage Payments Limit BI & PD

PHYSICAL DAMAGE Medical Combined Single. Maximum Bodily Injury Property Damage Payments Limit BI & PD Drive-Away Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY OF THE SOUTH NATIONAL

More information

Assembly Bill No. 175 Committee on Transportation

Assembly Bill No. 175 Committee on Transportation Assembly Bill No. 175 Committee on Transportation CHAPTER... AN ACT relating to transportation; revising provisions relating to the use of safety belts in taxicabs; providing for the regulation by the

More information

TRANSPORT WORLDWIDE, LLC

TRANSPORT WORLDWIDE, LLC The following information is needed in order for us to set your company up as an approved carrier for TRANSPORT WORLDWIDE, LLC. Please return to: TRANSPORT WORLDWIDE, LLC 307 Oates Road Suite H Mooresville,

More information

ICBC's Basic lnsurance Tariff

ICBC's Basic lnsurance Tariff Insurance 151 W. Esplanade Corporation North Vancouver BC V7M 3H9 of British Phone: (604) 661-2800 Columbia regaffairs Qex.icbc.com June 1,2007 British Columbia Utilities Commission Sixth Floor 900 Howe

More information

Update to your Vero Commercial Motor Vehicle Fleet policy

Update to your Vero Commercial Motor Vehicle Fleet policy Update to your Vero Commercial Motor Vehicle Fleet policy As a result of a change brought by the Sentencing Amendment Act 2014, we would like to bring to your attention an update to our Commercial Motor

More information

Yuba County Administrative Policy & Procedures Manual

Yuba County Administrative Policy & Procedures Manual Yuba County Administrative Policy & Procedures Manual Subject: Policy Number: Page Number: D-3 Page 1 of 5 AUTOMOTIVE TRANSPORTATION Date Approved: Revised Date: 02/19/08 12/16/14 POLICY: It is County

More information

INFORMATION NOTICE AUTO POLICY SUMMARY AND RELATED DISCLOSURES

INFORMATION NOTICE AUTO POLICY SUMMARY AND RELATED DISCLOSURES INFORMATION NOTICE AUTO POLICY SUMMARY AND RELATED DISCLOSURES THIS INFORMATIVE BOOKLET, CONTAINING: a) Information notice, including policy summary and related disclosures, and b) Glossary, SHALL BE AVAILABLE

More information

TEXAS CITY POLICE DEPARTMENT

TEXAS CITY POLICE DEPARTMENT TEXAS CITY POLICE DEPARTMENT Application Process CITY OF TEXAS CITY WRECKER APPLICATION FORM TO OBTAIN A PERMIT FOR ANY WRECKER, A TOWING COMPANY SHALL FILE A WRITTEN APPLICATION WITH THE DEPARTMENT. THE

More information

Motor insurance Introduction

Motor insurance Introduction Motor insurance Introduction This is an introductory guide to provide you with a better understanding of what motor insurance is and what you must know when buying motor insurance policies and making claims.

More information

To apply through the online system, initially one needs to confirm to the vehicle registration center his/her personal address.

To apply through the online system, initially one needs to confirm to the vehicle registration center his/her personal  address. Vehicle registration The registration of vehicles is conducted by the Center on Vehicle Registration within CRA, Ministry of Internal Affairs. The vehicles owned by natural persons are registered on the

More information

STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF REVENUE DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO

STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF REVENUE DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF REVENUE DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO COMPULSORY INSURANCE OR FINANCIAL RESPONSIBILITY WALTER R. CRADDOCK,

More information

Property and Casualty Review Standards Checklist

Property and Casualty Review Standards Checklist Property and Casualty Review Standards Checklist General Filing Requirements apply to all property and casualty lines of insurance. Once you have reviewed the general filing requirements, please page to

More information

Government Decree on Compensation for Damages Caused by Predatory Animals (277/2000; amendments up to 821/2001 included)

Government Decree on Compensation for Damages Caused by Predatory Animals (277/2000; amendments up to 821/2001 included) 1 NB: Unofficial translation Ministry of Agriculture and Forestry, Finland Government Decree on Compensation for Damages Caused by Predatory Animals (277/2000; amendments up to 821/2001 included) Chapter

More information

See page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS)

See page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) See page 2 for a quick summary. Motor Insurance Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 16 March

More information

DRAFT MOTOR TRAFFIC (THIRD- PARTY INSURANCE) (COST RECOVERY) (JERSEY) REGULATIONS

DRAFT MOTOR TRAFFIC (THIRD- PARTY INSURANCE) (COST RECOVERY) (JERSEY) REGULATIONS STATES OF JERSEY r DRAFT MOTOR TRAFFIC (THIRD- PARTY INSURANCE) (COST RECOVERY) (JERSEY) REGULATIONS 201- Lodged au Greffe on 13th December 2012 by the Minister for Health and Social Services STATES GREFFE

More information

CROATIAN FINANCIAL SERVICES SUPERVISORY AGENCY

CROATIAN FINANCIAL SERVICES SUPERVISORY AGENCY CROATIAN FINANCIAL SERVICES SUPERVISORY AGENCY Pursuant to the provisions of Article 3 paragraph 5 of the Insurance Act (Official Gazette 151/05, Official Gazette 87/08 and Official Gazette 82/09), the

More information

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles

TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Insurance Department Sec. 38a-334 page 1 (10-00) TABLE OF CONTENTS Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles Required areas of coverage.... 38a-334-1 Definitions....

More information

Travel, Transportation Modes and Transportation-Related Expenses

Travel, Transportation Modes and Transportation-Related Expenses Authority: History: Source of Authority: Related Links: Responsible Office: 05.179 Travel, Transportation Modes and Transportation-Related Expenses Vice Chancellor of Business Affairs Effective June 1,

More information

INSURANCE COVERAGE. worldwide

INSURANCE COVERAGE. worldwide INSURCE COVERAGE Q ÉB ÉB ÉB ÉB S S S S S S PUB UB UBLI LI LI LI LIC M BI BI BI BI BI B L INS NS NS NSUR UR UR UR CE CE CE CE PLA LA LA L worldwide is covered by the public plan? All Québec residents are

More information

A Personal Auto Policy shall be used to afford coverage to private passenger autos and motor vehicles considered as private passenger autos, if:

A Personal Auto Policy shall be used to afford coverage to private passenger autos and motor vehicles considered as private passenger autos, if: UNDERWRITING Definition Of Private Passenger Auto A. A private passenger auto is a motor vehicle: 1. not used as a public or livery conveyance for passengers, and 2. not rented to others, and 3. that,

More information

COMMONWEALTH OF PUERTO RICO OFFICE OF THE COMMISSIONER OF INSURANCE RULE 71

COMMONWEALTH OF PUERTO RICO OFFICE OF THE COMMISSIONER OF INSURANCE RULE 71 COMMONWEALTH OF PUERTO RICO OFFICE OF THE COMMISSIONER OF INSURANCE RULE 71 SYSTEM FOR THE INITIAL DETERMINATION OF LIABILITY UNDER COMPULSORY MOTOR VEHICLE LIABILITY INSURANCE SECTION 1. LEGAL BASIS This

More information

PART 387. Minimum Levels of Financial Responsibility for Motor Carriers. (Interstate and Intrastate Commerce)

PART 387. Minimum Levels of Financial Responsibility for Motor Carriers. (Interstate and Intrastate Commerce) PART 387 Minimum Levels of Financial Responsibility for Motor Carriers (Interstate and Intrastate Commerce) 27 Part 387 Minimum Levels of Financial Responsibility for Motor Carriers (Interstate and Intrastate

More information

DISCOVERY INSURANCE COMPANY PO BOX 200 KINSTON, NORTH CAROLINA 28502

DISCOVERY INSURANCE COMPANY PO BOX 200 KINSTON, NORTH CAROLINA 28502 PERSONAL AUTO POLICY STOCK COMPANY DISCOVERY INSURANCE COMPANY PO BOX 200 KINSTON, NORTH CAROLINA 28502 THESE POLICY PROVISIONS WITH THE DECLARATIONS PAGE AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART

More information

AMENDMENT OF POLICY PROVISIONS DEFINITIONS

AMENDMENT OF POLICY PROVISIONS DEFINITIONS AMENDMENT OF POLICY PROVISIONS This Amendment forms a part of the auto policy to which it is attached, and it modifies that policy as follows: DEFINITIONS Definition I., temporary substitute vehicle, is

More information

A Consumer s Auto Insurance Guide

A Consumer s Auto Insurance Guide Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product

More information

A Consumer s Auto Insurance Guide

A Consumer s Auto Insurance Guide Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product

More information

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance

LOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up

More information

NEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS

NEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS COMMERCIAL AUTO CA 01 12 04 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES IN BUSINESS AUTO, BUSINESS AUTO PHYSICAL DAMAGE, MOTOR CARRIER AND TRUCKERS COVERAGE FORMS

More information

MARYLAND CLAIM SETTLEMENT LAWS AND REGULATIONS

MARYLAND CLAIM SETTLEMENT LAWS AND REGULATIONS MARYLAND CLAIM SETTLEMENT LAWS AND REGULATIONS LAWS: SUBTITLE 3. UNFAIR CLAIM SETTLEMENT PRACTICES 27-301. Intent and effect of subtitle. (a) Intent of subtitle.- The intent of this subtitle is to provide

More information

New York State Department of Financial Services

New York State Department of Financial Services New York State Department of Financial Services Home Regulation 68 index page In order to assist you in viewing Regulation 68 in its most current form, this webpage has incorporated the text of the 1st

More information

GENERAL INFORMATION. Year Carrier Policy Number Loss Date Amount Paid Description of Loss

GENERAL INFORMATION. Year Carrier Policy Number Loss Date Amount Paid Description of Loss Used Auto Dealer Application COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY COMPANY OF THE SOUTH

More information

University Fleet Procedures

University Fleet Procedures University Fleet Procedures Category: Human Resources Facilities 1. LEGISLATION/ENTERPRISE AGREEMENTS/POLICY SUPPORTED Remuneration and Benefits Policy 2. IMPLEMENTATION PRINCIPLES 2.1. The University

More information

TRANSPORTATION AGREEMENT

TRANSPORTATION AGREEMENT TRANSPORTATION AGREEMENT THIS AGREEMENT ( Agreement ) is dated as of, 200 between including its subsidiaries (collectively, Shipper ), and Dick Harris and Son Trucking Co., Inc. (Carrier). Carrier agrees

More information

ELECTRONIC SIGNATURE LAW. (Published in the Official Journal No 25355, 2004-01-23) CHAPTER ONE Purpose, Scope and Definitions

ELECTRONIC SIGNATURE LAW. (Published in the Official Journal No 25355, 2004-01-23) CHAPTER ONE Purpose, Scope and Definitions ELECTRONIC SIGNATURE LAW Purpose (Published in the Official Journal No 25355, 2004-01-23) CHAPTER ONE Purpose, Scope and Definitions Article 1 The purpose of this Law is to regulate the legal and technical

More information

General Insurance Conditions (GIC) Clinical Trials in Human Research

General Insurance Conditions (GIC) Clinical Trials in Human Research General Insurance Conditions (GIC) Clinical Trials in Human Research Edition 2014 Translation For information only. The original wording is binding. General Insurance Conditions, clinical trials Edition

More information

DMV. OREGON TRAFFIC ACCIDENT AND INSURANCE REPORT Tear this sheet off your report, read and carefully follow the directions.

DMV. OREGON TRAFFIC ACCIDENT AND INSURANCE REPORT Tear this sheet off your report, read and carefully follow the directions. OREGON TRAFFIC ACCIDENT AND INSURANCE REPORT Tear this sheet off your report, read and carefully follow the directions. ONLY drivers involved in an accident resulting in any of the following MUST file

More information

Motor Vehicle Claim Form

Motor Vehicle Claim Form 1st Floor, 50 Hindmarsh Square Adelaide SA 5000 PO Box 6095 Halifax St Adelaide 5000 Phone 08 8413 6300 Facsimile 08 82119838 enquiries@brecknock.com.au brecknock.com.au Motor Vehicle Claim Form We re

More information

15 HB 190/AP A BILL TO BE ENTITLED AN ACT BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA:

15 HB 190/AP A BILL TO BE ENTITLED AN ACT BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA: House Bill 190 (AS PASSED HOUSE AND SENATE) By: Representatives Golick of the 40 th, Smith of the 134 th, Maxwell of the 17 th, and Powell of the 32 nd A BILL TO BE ENTITLED AN ACT 1 2 3 4 5 6 To amend

More information

Re: ICBC s Rate Design Application - Basic Insurance Tariff Errata

Re: ICBC s Rate Design Application - Basic Insurance Tariff Errata Insurance Corporation of British Columbia 151 W. Esplanade North Vancouver BC V7M 3H9 Phone: (604) 661-2800 regaffairs@ex.icbc.com B-4-1 April 30, 2007 British Columbia Utilities Commission 6th Floor,

More information

Consolidated Insurance Mediation Act 1

Consolidated Insurance Mediation Act 1 Consolidated Insurance Mediation Act 1 Act no. 930 of 18 September 2008 This is an Act to consolidate the Insurance Meditation Act, cf. Consolidated Act no. 401 of 25 April 2007, as amended by section

More information

AUTOMOBILE INSURANCE IN THE PROVINCE OF ONTARIO

AUTOMOBILE INSURANCE IN THE PROVINCE OF ONTARIO AUTOMOBILE INSURANCE IN THE PROVINCE OF ONTARIO 159 AUTOMOBILE INSURANCE IN THE PROVINCE OF ONTARIO BY JOHN EDWARDS INTRODUCTION During 1936, 138 insurers reported automobile insurance premiums written

More information

MOTOR VEHICLE CLAIM FORM

MOTOR VEHICLE CLAIM FORM MOTOR VEHICLE CLAIM FORM Dear Policyholder, We re sorry to hear you ve had an accident. Our aim is to settle your claim as quickly as possible. You can help us do this by ensuring the enclosed claim form

More information

AUTOMOBILE PHYSICAL DAMAGE INSURANCE INSPECTION PROCEDURES SUBCHAPTER 36.

AUTOMOBILE PHYSICAL DAMAGE INSURANCE INSPECTION PROCEDURES SUBCHAPTER 36. NEW JERSEY 11:3-36.2 AUTOMOBILE PHYSICAL DAMAGE INSURANCE INSPECTION PROCEDURES SUBCHAPTER 36. Authority N.J.S.A. 17:33B-33. Source and Effective Date R.1991, d.95, effective January 25, 1991 (original

More information

Act on Insurance Mediation and Reinsurance Mediation

Act on Insurance Mediation and Reinsurance Mediation Act on Insurance Mediation and Reinsurance Mediation The full wording of Act No. 340/2005 Coll. dated 23 June 2005 on insurance mediation and resinsurance mediation and on amendments to certain laws, as

More information

POLICY INVOLVING VEHICLE USE ON OFFICIAL COLLEGE BUSINESS AUTOMOBILES & OTHER MOTORIZED VEHICLES Last update: August 9, 2011

POLICY INVOLVING VEHICLE USE ON OFFICIAL COLLEGE BUSINESS AUTOMOBILES & OTHER MOTORIZED VEHICLES Last update: August 9, 2011 POLICY INVOLVING VEHICLE USE ON OFFICIAL COLLEGE BUSINESS AUTOMOBILES & OTHER MOTORIZED VEHICLES Last update: August 9, 2011 INTRODUCTION: Rollins College has many faculty, staff and students whose responsibilities

More information

Contingent Liability Application (Bobtail & Deadhead)

Contingent Liability Application (Bobtail & Deadhead) Contingent Liability Application (Bobtail & Deadhead) COLUMBIA INSURANCE COMPANY NATIONAL FIRE & MARINE INSURANCE COMPANY NATIONAL INDEMNITY COMPANY NATIONAL INDEMNITY COMPANY OF MID-AMERICA NATIONAL INDEMNITY

More information

PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT

PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT PERSONAL AUTOMOBILE INSURANCE POLICY ILLINOIS IMPORTANT Notify the Company at 7400 N. Caldwell, Niles, IL 60714, (773) 299-7500, of EVERY accident, however slight, immediately upon its occurrence. Delay

More information

RATING INFORMATION NEW JERSEY

RATING INFORMATION NEW JERSEY PERSONAL AUTO PP 03 75 07 09 RATING INFORMATION NEW JERSEY Your auto has been classified under a six digit numerical code (for example, 8110) as indicated on the policy Declarations Page. The information

More information

BROKER/SHIPPER AGREEMENT

BROKER/SHIPPER AGREEMENT BROKER/SHIPPER AGREEMENT THIS BROKERAGE AGREEMENT ( Agreement ) is made and entered on, 20, by and between ( SHIPPER ) and Transportation Solutions Group, LLC DBA Redwood Multimodal ( BROKER ) (collectively,

More information

Distribution Guide. Civil Liability Insurance Program from Intact Insurance OFFICIAL INSURER OF THE FCMQ

Distribution Guide. Civil Liability Insurance Program from Intact Insurance OFFICIAL INSURER OF THE FCMQ Distribution Guide Civil Liability Insurance Program from Intact Insurance OFFICIAL INSURER OF THE FCMQ Intact Insurance Company (the Insurer or Intact Insurance ) 2450 Girouard Street West Saint-Hyacinthe

More information