GOVERNMENT OF NEWFOUNDLAND AND LABRADOR. Bulletin TO ALL INSURANCE COMPANIES LICENSED FOR AUTOMOBILE INSURANCE

Size: px
Start display at page:

Download "GOVERNMENT OF NEWFOUNDLAND AND LABRADOR. Bulletin TO ALL INSURANCE COMPANIES LICENSED FOR AUTOMOBILE INSURANCE"

Transcription

1 Department of Government Services Consumer and Commercial Affairs Branch Financial Services Regulation Division GOVERNMENT OF NEWFOUNDLAND AND LABRADOR Bulletin Issue 8 - JULY 2005 TO ALL INSURANCE COMPANIES LICENSED FOR AUTOMOBILE INSURANCE On March 16, 2005 and May 12, 2005, the Honourable Dianne Whalen, Minister of Government Services, announced additional automobile insurance reforms which will come into effect on August 1, These reforms include: a new rate setting process; the elimination of age, gender and martial status as rating elements; a 5 per cent reduction in premiums; the elimination of the prohibition on group rating; the introduction of a point of claim disclosure form; additions to the grounds which cannot be used to decline, terminate or refuse to renew coverage; and additions to the elements prohibited in a company s risk classification system. The legislative changes to bring these reforms into effect are: Bill 26, An Act to Amend the Automobile Insurance Act; Amendments to the Automobile Insurance Prohibited Underwriting Regulations; and Amendments to the Automobile Insurance Regulations. Please visit our web site at and go to the Insurance Reform Measures page. NEW RATE SETTING PROCESS The benchmark system for rate approvals has been eliminated. P. O. Box 8700, St. John's, Newfoundland and Labrador, Canada, A1B 4J6 Telephone: Facsimile (709)

2 Page 2 Insurance companies entering the marketplace must first file their proposed rates with the Public Utilities Board (PUB) and justify on an individual company basis that the rates are appropriate. Prior approval by the PUB is required before use. For companies already in the marketplace proposed rate increases must be filed with the PUB and justified on an individual company basis. Prior approval by the PUB is required before use. Where a company is decreasing its rates, the proposed decreases must be filed with the PUB but the new rates may be used 30 days after they have been filed. AGE, GENDER AND MARTIAL STATUS The Automobile Insurance Prohibited Underwriting Regulations have been amended to prohibit the use of age, gender and martial status as elements in an insurer s risk classification system effective August 1, This prohibition, however, does not apply to a discount based on the age of the driver where the driver is at least 55 years of age. Transitional provisions allow insurers to continue to use age, gender and martial status for contracts issued or renewed on or after August 1 until new rates which are not based on these elements have been filed with the PUB. Companies are required to adjust any such contracts to the new rates retroactive to the effective date of the policy within 60 days of the new rates being permitted or approved for use in the marketplace. In addition, Bill 26 stipulates that policies in effect on August 1, 2005, with premiums based on age, sex and martial status, must be re-rated and where the new premium is lower than the premium charged when the policy was entered into, a refund of the difference for coverage from August 1 to the policy expiry date must be issued. However, where a policy is being paid on a monthly basis the remaining payments may be adjusted and where there is less than three months remaining in the contract a credit may be issued toward renewal of the contract. Where a credit is issued and the contract is not renewed a refund must be issued. The elimination of age, gender and martial status as rating elements is not to result in any increase in rates for drivers over the age of 25 and, on average, will result in reductions for drivers under the age of 25. As noted in the Honourable Dianne Whalen s News Release of May 12, 2005, reforms are based on the PUB s review as reported to Government in March The elimination of these elements requires changes to the Type of Use - Private Passenger section of the Automobile Insurance Statistical Plan. Revised Type of Use Classes are attached to this Bulletin.

3 Page 3 PREMIUM REDUCTIONS Bill 26 states that effective August 1, 2005, the rates for all types of coverage charged by an insurer for private passenger automobile insurance as approved by the PUB shall be reduced by at least 5%. An insurer may, however, apply to the PUB for rates that have not been reduced by at least 5% and the PUB shall approve, prohibit or vary the proposed rates. Insurers have until September 1, 2005, to file their new rates with the PUB. Where all rates are reduced by at least 5%, they can be used immediately. Where an application for other than at least a 5% decrease is filed, rates must first be approved by the PUB. Any reductions approved by the PUB will be retroactive to August 1, Reductions apply to policies in force on August 1, The difference in premium for coverage from August 1 to the policy expiry date may be credited toward renewal of the contract. Where a credit is issued and the contract is not renewed a refund must be issued. POINT OF CLAIM DISCLOSURE FORM Effective August 1, 2005, insurance companies are required to provide a Point of Claim Disclosure Form to all claimants except for a glass breakage claim under Comprehensive Coverage. The form approved for use by Mr. Winston Morris, the Superintendent of Insurance, is attached to this Bulletin. Disclosure is to be made immediately upon the insurance company or its adjuster, representative, agent or broker becoming aware of the claimant s name and contact information. The form is to be signed by the claimant as confirmation of receipt of the disclosure and an insurer is to make reasonable efforts to ensure they receive this confirmation back from the claimant. Disclosure and confirmation of receipt by electronic means is permitted. PROHIBITED GROUNDS Pursuant to paragraph 3. (1) (c) of the Automobile Insurance Prohibited Underwriting Regulations, the Honourable Dianne Whalen has approved the following as additions to the grounds which cannot be used to decline, terminate or refuse to renew or continue a coverage with effect from August 1, 2005: 1. The length of time the applicant or another person who is to be insured under the contract has held a valid driver s licence in Canada or the United States for the type of vehicle being insured; and

4 Page 4 2. The applicant or another person who is to be insured under the contract has not completed a driver training program, unless the completion of such a program is required by law. PROHIBITED ELEMENTS Pursuant to paragraph 4. (1) (f) of the Automobile Insurance Prohibited Underwriting Regulations, the Honourable Dianne Whalen has approved the following as prohibited elements in an insurer s risk classification system with effect from August 1, 2005: 1. Any elements associated with an excluded driver where the named insured has stipulated that driver as an excluded driver in an Excluded Driver Endorsement pursuant to Section 19.1 of the Automobile Insurance Act; and 2. Any claim under a contract where the claim arose when the driver who is stipulated as an excluded driver in an Excluded Driver Endorsement pursuant to Section 19.1 of the Automobile Insurance Act was the operator of the automobile. Douglas J. Connolly, C.G.A. Deputy Superintendent of Insurance

5 AUTOMOBILE INSURANCE STATISTICAL PLAN TYPE OF USE Class 01 Class 02 Class 03 Class 05 Class 07 Class 10 Class 11 Class 12 Class 13 Principal Operator 9 or more years licensed Automobile used for pleasure only No driving to and from work, no business, professional or vocational use Annual mileage not to exceed 16,000 kilometers Not more than two drivers, per automobile, in the household, each of whom has held a valid operators licence for the past three years Principal Operator 9 or more years licensed If automobile used for driving to and from work, one way mileage not to exceed 16 kilometers Not more than 2 drivers, per automobile, in the household Principal Operator 9 or more years licensed Occasional Operator less than 9 years licensed Automobile used for Business purposes Principal Operator less than 3 years licensed Principal Operator 3 or 4 years licensed Principal Operator 5 or 6 years licensed Principal Operator 7 or 8 years licensed

6 DISCLOSURE TO CLAIMANT (FOR USE IN NEWFOUNDLAND AND LABRADOR) You have advised an insurance company that you are making an automobile insurance claim. In making this claim you should be aware of the following: Surveillance: Under the federal Personal Information and Electronic Documents Act an insurance company: Is permitted to conduct surveillance of you without your consent or knowledge. Does not have to disclose that you are or have been under surveillance. Must destroy any personal information collected about you through surveillance after it has fulfilled its usefulness. Criminal Code of Canada It is an offence under the Criminal Code of Canada to make a false claim. A person found guilty of making a false claim may be subject to being fined or imprisoned for a period of time, or to both a fine and imprisonment. A false claim includes inflating the true value of a claim or claiming for things that were not damaged in an accident. Claims Against a Driver Who Allegedly Caused the Accident Where you are making a claim against another driver, that driver s insurance company is obligated to: Settle your claim as quickly as possible. Make interim payments to you pending the final settlement of your claim once the insurance company has determined their insured is at-fault for the accident. To pay you the amount of your final claim settlement in a series of payments over a stated period of time instead of in one lump sum where the accident caused you bodily injury and you request periodic payments. Advise their insured that you have made a claim against him or her. Advise their insured of the total amount paid to you once the claim is settled. Failure to Wear a Seat Belt Where you were not wearing a seat belt at the time of the accident and by law you should have been wearing one, your claim will be reduced by 25% unless you can prove that your injuries would be the same had you been wearing the seat belt. Claim for Loss of Income Any claim for loss of income or loss of your ability to earn income will be reduced by Employment Insurance premiums, Canada Pension Plan contributions and Income Tax that would otherwise be payable if you received the income from your employment. $2,500 Deductible A claim for loss that is not an economic loss will have a $2,500 deductible applied to it. This would apply to a claim for pain and suffering. It does not apply to a claim for economic loss, such as medical expenses or loss of income. You are obligated to confirm in writing or by that you have received this disclosure form. Sign below and return this form to the insurance company (keep a copy for your records) or the insurance company stating I acknowledge receiving the Disclosure to Claimant Form. Date Claimant s Signature

Consultation Document Automobile Insurance Reform

Consultation Document Automobile Insurance Reform Consultation Document Automobile Insurance Reform The Department of Government Services is addressing several issues related to automobile insurance reform which are in addition to the Terms of Reference

More information

The Insurance Institute of Canada www.insuranceinstitute.ca. Ontario Automobile Insurance Textbook Addendum August 2010 (revised)

The Insurance Institute of Canada www.insuranceinstitute.ca. Ontario Automobile Insurance Textbook Addendum August 2010 (revised) The Insurance Institute of Canada www.insuranceinstitute.ca Ontario Automobile Insurance Textbook Addendum August 2010 (revised) (To be used with the 2007 edition.) Study 1, page 4, at the end of the excerpt

More information

PUBLIC UTILITIES BOARD AUTOMOBILE INSURANCE REVIEW BACKGROUNDER

PUBLIC UTILITIES BOARD AUTOMOBILE INSURANCE REVIEW BACKGROUNDER PUBLIC UTILITIES BOARD AUTOMOBILE INSURANCE REVIEW BACKGROUNDER PUBLIC UTILITIES BOARD WHO WE ARE AND WHAT WE DO The Public Utilities Board is an independent, quasi-judicial regulatory agency. The Board

More information

Newfoundland & Labrador BOARD OF COMMISSIONERS OF PUBLIC UTILITIES

Newfoundland & Labrador BOARD OF COMMISSIONERS OF PUBLIC UTILITIES Newfoundland & Labrador BOARD OF COMMISSIONERS OF PUBLIC UTILITIES ANNUAL REPORT OF THE BOARD OF COMMISSIONERS OF PUBLIC UTILITIES ON OPERATIONS CARRIED OUT UNDER THE AUTOMOBILE INSURANCE ACT Chapter A-,

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

(Ontario) Use this Certificate for policies first issued or renewed between September 1, 2010 and August 31, 2011

(Ontario) Use this Certificate for policies first issued or renewed between September 1, 2010 and August 31, 2011 Insurer (Ontario) Use this Certificate for policies first issued or renewed between September 1, 2010 and August 31, 2011 This is your. Contact your Broker/Agent with any questions or if you require clarification

More information

Newfoundland & Labrador BOARD OF COMMISSIONERS OF PUBLIC UTILITIES

Newfoundland & Labrador BOARD OF COMMISSIONERS OF PUBLIC UTILITIES Newfoundland & Labrador BOARD OF COMMISSIONERS OF PUBLIC UTILITIES ANNUAL REPORT ON OPERATIONS CARRIED OUT UNDER THE AUTOMOBILE INSURANCE ACT Chapter A-22, R.S.N.L. 1990, AS AMENDED FOR THE PERIOD APRIL

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

INTERPRETATION BULLETIN

INTERPRETATION BULLETIN INTERPRETATION BULLETIN BULLETIN NUMBER: 10-2014 TITLE: ADVERSE CONTRACTUAL ACTIONS TAKEN IN RESPECT OF LICENSE STATUS DATE: October 2014 PURPOSE AND BACKGROUND The purpose of this interpretation bulletin

More information

ANNUAL REPORT BOARD OF COMMISSIONERS OF PUBLIC UTILITIES ON THE OPERATIONS CARRIED OUT UNDER THE AUTOMOBILE INSURANCE ACT

ANNUAL REPORT BOARD OF COMMISSIONERS OF PUBLIC UTILITIES ON THE OPERATIONS CARRIED OUT UNDER THE AUTOMOBILE INSURANCE ACT ANNUAL REPORT OF THE BOARD OF COMMISSIONERS OF PUBLIC UTILITIES ON THE OPERATIONS CARRIED OUT UNDER THE AUTOMOBILE INSURANCE ACT Chapter A-22, R.S.N. 1990, AS AMENDED FOR THE PERIOD APRIL 1, 2002 TO MARCH

More information

A. Introduction. B. Legislation and Regulations

A. Introduction. B. Legislation and Regulations Underwriting Rules A. Introduction All insurers that are licensed to write automobile insurance in Ontario are required to make a filing in respect of their underwriting rules with the (FSCO). The Filing

More information

The Road Ahead A Planned Approach to Auto Insurance Solutions

The Road Ahead A Planned Approach to Auto Insurance Solutions The Road Ahead A Planned Approach to Auto Insurance Solutions Financial Institutions Division March 2003 Minister s Letter This Government, like you and other consumers, is concerned about the effect of

More information

Insurance Shopping: Understand how auto insurance rates are set

Insurance Shopping: Understand how auto insurance rates are set Insurance Shopping: Understand how auto insurance rates are set If you re shopping around for auto insurance it s important to know how insurance companies set their rates. Many factors are at play, so

More information

Pre action protocol for low value personal injury claims in road traffic accidents

Pre action protocol for low value personal injury claims in road traffic accidents http://websvr/textimagecreator (Text image creator to change heading) Pre action protocol for low value personal injury claims in road traffic accidents Contents SECTION I - INTRODUCTION Definitions Paragraph

More information

DATA ELEMENTS FOR CERTIFICATE OF AUTOMOBILE INSURANCE

DATA ELEMENTS FOR CERTIFICATE OF AUTOMOBILE INSURANCE DATA ELEMENTS FOR CERTIFICATE OF AUTOMOBILE INSURANCE Note: 1. All elements are data fields unless otherwise stated. 2. 'Text' elements must use the exact words and be printed with every certificate. 3.

More information

PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS

PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS Contents SECTION I - INTRODUCTION Definitions Paragraph 1.1 Preamble Paragraph 2.1 Aims Paragraph 3.1 Scope Paragraph

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

ALERT ONTARIO S AUTO INSURANCE CHANGED ON SEPTEMBER 1, 2010 INTERNATIONAL

ALERT ONTARIO S AUTO INSURANCE CHANGED ON SEPTEMBER 1, 2010 INTERNATIONAL INTERNATIONAL ALERT September 2010 Issue 45 ONTARIO S AUTO INSURANCE CHANGED ON SEPTEMBER 1, 2010 www.willis.com Over the last few years automobile insurance in Ontario has been a hot topic for both the

More information

PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS

PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS Contents SECTION I - INTRODUCTION Definitions Paragraph 1.1 Preamble Paragraph 2.1 Aims Paragraph 3.1 Scope Paragraph

More information

Presented to the. Board of Commissioners of Public Utilities MELOCHE MONNEX COMMENTS ON

Presented to the. Board of Commissioners of Public Utilities MELOCHE MONNEX COMMENTS ON MELOCHE MONNEX COMMENTS ON THE REVIEW OF AUTOMOBILE INSURANCE IN NEWFOUNDLAND AND LABRADOR Presented to the Board of Commissioners of Public Utilities February 2005 TABLE OF CONTENT PREAMBLE... 3 INTRODUCTION...

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

Dear Valued Clients, Thank you for making your Insurance Dynamic! Kindest Regards, DYNAMIC INSURANCE BROKERS

Dear Valued Clients, Thank you for making your Insurance Dynamic! Kindest Regards, DYNAMIC INSURANCE BROKERS Dear Valued Clients, The Financial Service Commission of Ontario (FSCO), the provincial government regulator of Auto Insurance is introducing reforms effective September 1, 2010. Periodically (usually

More information

MARYLAND PERSONAL AUTO SUPPLEMENT

MARYLAND PERSONAL AUTO SUPPLEMENT MARYLAND PERSONAL AUTO SUPPLEMENT AGENCY NAMED INSURED(S) POLICY NUMBER EFFECTIVE DATE CARRIER NAIC CODE Mandatory Offer of Increased Liability Coverage for Claims of Family Members at an Additional Premium

More information

Pre-Action Protocol for Low Value Personal Injury Claims in Road Traffic Accidents

Pre-Action Protocol for Low Value Personal Injury Claims in Road Traffic Accidents Pre-Action Protocol for Low Value Personal Injury Claims in Road Traffic Accidents PROTOCOLS I INTRODUCTION Definitions 1.1 In this Protocol (1) claim means a claim, prior to the start of proceedings,

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

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

Motor Vehicle Claim Form

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

More information

STRATFORD INSURANCE COMPANY OFFER OF OPTIONAL ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE

STRATFORD INSURANCE COMPANY OFFER OF OPTIONAL ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE STRATFORD INSURANCE COMPANY OFFER OF OPTIONAL ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE Automobile liability insurance coverage pays other motor vehicle drivers

More information

GEORGIA (To be completed and signed by Named Insured) IMPORTANT NOTICE GEORGIA UNINSURED MOTORISTS COVERAGE PLEASE READ THIS NOTICE CAREFULLY.

GEORGIA (To be completed and signed by Named Insured) IMPORTANT NOTICE GEORGIA UNINSURED MOTORISTS COVERAGE PLEASE READ THIS NOTICE CAREFULLY. SUPPLEMENTARY COMMERCIAL AUTOMOBILE APPLICATION GEORGIA (To be completed and signed by Named Insured) Name Address IMPORTANT NOTICE GEORGIA UNINSURED MOTORISTS COVERAGE PLEASE READ THIS NOTICE CAREFULLY.

More information

PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS

PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS Contents SECTION I - INTRODUCTION Definitions Paragraph 1.1 Preamble Paragraph 2.1 Aims Paragraph 3.1 Scope Paragraph

More information

Frequently Asked Questions Auto Insurance

Frequently Asked Questions Auto Insurance STATE OF WISCONSIN Frequently Asked Questions Auto Insurance OFFICE OF THE COMMISSIONER OF INSURANCE PI-233 (C 03/2015) The Automobile Insurance Policy (page 1) Wisconsin's Financial Responsibility Law

More information

COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT

COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL AUTOMOBILE EXPANSION ENDORSEMENT This endorsement modifies insurance provided under the BUSINESS AUTO COVERAGE FORM The following

More information

A. Purpose of the Guidelines

A. Purpose of the Guidelines FINANCIAL SERVICES COMMISSION OF ONTARIO A. Purpose of the Guidelines All insurers that are licensed to write automobile insurance in Ontario are required to have automobile insurance forms approved by

More information

SUBMISSION TO THE STANDING COMMITTEE ON GENERAL GOVERNMENT FINANCIAL SERVICES COMMISSION OF ONTARIO

SUBMISSION TO THE STANDING COMMITTEE ON GENERAL GOVERNMENT FINANCIAL SERVICES COMMISSION OF ONTARIO SUBMISSION TO THE STANDING COMMITTEE ON GENERAL GOVERNMENT FINANCIAL SERVICES COMMISSION OF ONTARIO April 15, 2013 Table of Contents SUBMISSION TO THE STANDING COMMITTEE ON GENERAL GOVERNMENT 1. INTRODUCTION...

More information

Summary of Important Changes to Your Policy You Now Have More Choice

Summary of Important Changes to Your Policy You Now Have More Choice Summary of Important Changes to Your Policy You Now Have More Choice Recent reforms introduced by the Ontario government will give you more choice over the coverages and price you pay for auto insurance.

More information

SOUTH CAROLINA OFFER OF ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORISTS COVERAGE

SOUTH CAROLINA OFFER OF ADDITIONAL UNINSURED MOTORISTS COVERAGE AND OPTIONAL UNDERINSURED MOTORISTS COVERAGE IL U 007 01 07 SOUTH CAROLINA OFFER OF ADDITIONAL UNINSURED MOTISTS COVERAGE AND OPTIONAL UNDERINSURED MOTISTS COVERAGE Policy Number: Policy Effective Date: Company: Producer: Applicant/Named Insured:

More information

Excess Lawyers Professional Liability Policy DECLARATIONS. Attaching to and forming part of

Excess Lawyers Professional Liability Policy DECLARATIONS. Attaching to and forming part of Excess Lawyers Professional Liability Policy DECLARATIONS Attaching to and forming part of THIS IS A CLAIMS MADE EXCESS PROFESSIONAL LIABILITY INSURANCE - PLEASE READ CAREFULLY AND DISCUSS WITH YOUR INSURANCE

More information

SAMPLE DEFINITIONS. means the age of a Life Insured on his or her nearest birthday.

SAMPLE DEFINITIONS. means the age of a Life Insured on his or her nearest birthday. DEFINITIONS The following are definitions of some of the terms used in your Equitable Life Term Life Insurance policy. If you need additional information or clarification please call one of our Individual

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

Application for a debt relief order information to be in the application

Application for a debt relief order information to be in the application SCHEDULE 1 PART 5A OF THE INSOLVENCY RULES PART 5A DEBT RELIEF ORDERS CHAPTER 1 Preliminary Scope of this part: introductory and interpretation 5A.1. The Rules in this Part apply in relation to debt relief

More information

STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007]

STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007] STATE OF SOUTH CAROLINA DEPARTMENT OF INSURANCE SCDOI FORM NUMBER 2006 [REVISED JANUARY 1, 2007] OFFER OF ADDITIONAL UNINSURED MOTORIST COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE Automobile liability

More information

Private Car Insurance

Private Car Insurance Private Car Insurance Proposal form Agent s name Agent s number Policy number tes Please use BLOCK CAPITALS and tick YES or NO where appropriate and initial any amendments. A Proposer Title (Mr, Mrs, Miss

More information

WORKERS REHABILITATION AND COMPENSATION AMENDMENT BILL 2007

WORKERS REHABILITATION AND COMPENSATION AMENDMENT BILL 2007 TASMANIA WORKERS REHABILITATION AND COMPENSATION AMENDMENT BILL 2007 PART 1 PRELIMINARY 1. Short title 2. Commencement CONTENTS PART 2 WORKERS REHABILITATION AND COMPENSATION ACT 1988 AMENDED 3. Principal

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

UNIFUND ASSURANCE COMPANY Submission to the PUB. 2005 Automobile Insurance Review Hearings

UNIFUND ASSURANCE COMPANY Submission to the PUB. 2005 Automobile Insurance Review Hearings UNIFUND ASSURANCE COMPANY Submission to the PUB 2005 Automobile Insurance Review Hearings March 11, 2005 Unifund Assurance Company Unifund Assurance Company is one of the largest underwriters of personal

More information

A. Purpose of the Guidelines

A. Purpose of the Guidelines Underwriting Rules A. Purpose of the Guidelines All insurers that are licensed to write automobile insurance in Ontario are required to make a filing in respect of their underwriting rules with the (FSCO).

More information

2013 Bill 39. First Session, 28th Legislature, 62 Elizabeth II THE LEGISLATIVE ASSEMBLY OF ALBERTA BILL 39

2013 Bill 39. First Session, 28th Legislature, 62 Elizabeth II THE LEGISLATIVE ASSEMBLY OF ALBERTA BILL 39 2013 Bill 39 First Session, 28th Legislature, 62 Elizabeth II THE LEGISLATIVE ASSEMBLY OF ALBERTA BILL 39 ENHANCING CONSUMER PROTECTION IN AUTO INSURANCE ACT THE PRESIDENT OF TREASURY BOARD AND MINISTER

More information

PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS FROM 31 JULY 2013

PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS FROM 31 JULY 2013 PRE-ACTION PROTOCOL FOR LOW VALUE PERSONAL INJURY CLAIMS IN ROAD TRAFFIC ACCIDENTS FROM 31 JULY 2013 Title Number I INTRODUCTION Definitions Para 1.1 Preamble Para 2.1 Aims Para 3.1 Scope Para 4.1 II GENERAL

More information

EMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT

EMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT POLICY NUMBER: CL CG 04 57 07 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT This endorsement modifies insurance provided under the

More information

SAMPLE DEFINITIONS. means the age of a Life Insured on his or her nearest birthday.

SAMPLE DEFINITIONS. means the age of a Life Insured on his or her nearest birthday. DEFINITIONS The following are definitions of some of the terms used in your Equitable Life Term Life Insurance policy. If you need additional information or clarification please call one of our Individual

More information

VICTIMS RESTITUTION AND COMPENSATION PAYMENT ACT

VICTIMS RESTITUTION AND COMPENSATION PAYMENT ACT Province of Alberta VICTIMS RESTITUTION AND COMPENSATION Statutes of Alberta, Current as of December 17, 2014 Office Consolidation Published by Alberta Queen s Printer Alberta Queen s Printer 7 th Floor,

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

Ontario 2010 Automobile Insurance Reforms Registered Insurance Brokers of Ontario Guideline for Best Practices

Ontario 2010 Automobile Insurance Reforms Registered Insurance Brokers of Ontario Guideline for Best Practices Ontario 2010 Automobile Insurance Reforms Registered Insurance Brokers of Ontario Guideline for Best Practices June 2010 RIBO Ontario 2010 Automobile Insurance Reforms Guideline for Best Practices This

More information

Allianz Professional Indemnity Insurance Management Consultants

Allianz Professional Indemnity Insurance Management Consultants Allianz Global Corporate & Specialty Pacific Allianz Professional Indemnity Insurance Management Consultants Proposal Form General Information The General Information set out below is provided for your

More information

Road Accident Fund Act 56 of 1996 (RAFA)

Road Accident Fund Act 56 of 1996 (RAFA) Road Accident Fund Act 56 of 1996 (RAFA) Topic: Roads and Public Liability IN A CALABASH Introduction Road transportation is the major mode of transportation in South Africa. Despite a number of road laws

More information

COMMERCIAL VEHICLE INSURANCE PROPOSAL

COMMERCIAL VEHICLE INSURANCE PROPOSAL Tradewise Insurance Services Ltd COMMERCIAL VEHICLE INSURANCE PROPOSAL SUMMARY OF COVER This is a brief outline only - a copy of the policy wording including all terms and conditions may be obtained on

More information

Motor Vehicle Claim Form

Motor Vehicle Claim Form SSAA Insurance Brokers Pty Ltd Phone (08) 8332 0281 The Precinct Freecall 1800 808 608 Suite 14, 539 Greenhill Road Facsimile (08) 8332 0303 539 Greenhill Road Email insurance@ssaains.com.au Hazelwood

More information

4.01. Auto Insurance Regulatory Oversight. Chapter 4 Section. Background. Follow-up to VFM Section 3.01, 2011 Annual Report

4.01. Auto Insurance Regulatory Oversight. Chapter 4 Section. Background. Follow-up to VFM Section 3.01, 2011 Annual Report Chapter 4 Section 4.01 Financial Services Commission of Ontario Auto Insurance Regulatory Oversight Follow-up to VFM Section 3.01, 2011 Annual Report Background The Financial Services Commission of Ontario

More information

QUEBEC AUTOMOBILE INSURANCE POLICY Q.P.F. NO. 5 COMPLEMENTARY INSURANCE FOR DAMAGE TO INSURED AUTOMOBILE FORM REPLACEMENT INSURANCE

QUEBEC AUTOMOBILE INSURANCE POLICY Q.P.F. NO. 5 COMPLEMENTARY INSURANCE FOR DAMAGE TO INSURED AUTOMOBILE FORM REPLACEMENT INSURANCE QUEBEC AUTOMOBILE INSURANCE POLICY Q.P.F. NO. 5 COMPLEMENTARY INSURANCE FOR DAMAGE TO INSURED AUTOMOBILE FORM REPLACEMENT INSURANCE October 1 st, 2010 To all interested parties: Enclosed please find the

More information

FINANCIAL SERVICES COMMISSION OF ONTARIO

FINANCIAL SERVICES COMMISSION OF ONTARIO FINANCIAL SERVICES COMMISSION OF ONTARIO Filing Guidelines - Major for Proposed Revisions to Automobile Insurance Rates and Risk Classification Systems A: GENERAL INFORMATION Rate and Risk Classification

More information

Motor Vehicles (Third-Party Risks and Compensation) (Amendment) Bill

Motor Vehicles (Third-Party Risks and Compensation) (Amendment) Bill Motor Vehicles (Third-Party Risks and Compensation) (Amendment) Bill Bill No. 18/2013. Read the first time on 21st October 2013. A BILL intituled An Act to amend the Motor Vehicles (Third Party Risks and

More information

Locked-in Retirement Income Requirements

Locked-in Retirement Income Requirements Government of Newfoundland and Labrador Department of Government Services Consumer and Corporate Affairs Financial Services Regulation Division DIRECTIVE NO. 17 Issued under the Pension Benefits Act, 1997,

More information

CHAPTER 103 MOTOR VEHICLES (THIRD PARTY INSURANCE) ORDINANCE

CHAPTER 103 MOTOR VEHICLES (THIRD PARTY INSURANCE) ORDINANCE CHAPTER 103 MOTOR VEHICLES (THIRD PARTY INSURANCE) ORDINANCE Non-authoritative Consolidated Text This is not an authoritative revised edition for the purposes of the Revised Edition of the Laws Ordinance;

More information

COMMERCIAL EXCESS LIABILITY POLICY DECLARATIONS

COMMERCIAL EXCESS LIABILITY POLICY DECLARATIONS COMMERCIAL EXCESS LIABILITY POLICY DECLARATIONS Policy No. Renewal 1. NAMED INSURED AND MAILING ADDRESS 2. POLICY PERIOD From To 12:01 A.M. standard time at your mailing address shown above. : 3. LIMITS

More information

Policy Number (If Not New Business) PENNSYLVANIA NOTICE IMPORTANT NOTICE

Policy Number (If Not New Business) PENNSYLVANIA NOTICE IMPORTANT NOTICE SUPPLEMENTARY AUTOMOBILE APPLICATION - PENNSYLVANIA (To be completed by the Named Insured or Applicant) Name abc Policy Number (If Not New Business) Address PENNSYLVANIA NOTICE IMPORTANT NOTICE Insurance

More information

SUB-SECTION 1 ENDORSEMENTS APPLICABLE TO ONTARIO POLICY CHANGE FORM (OPCF)

SUB-SECTION 1 ENDORSEMENTS APPLICABLE TO ONTARIO POLICY CHANGE FORM (OPCF) FACILITY ASSOCIATION Section S Standard Endorsement Forms Notes: 1.No endorsements, no special wordings and no changes to standard forms are permissible except as approved by or on behalf of the Superintendent(s)

More information

Concerning the Cap on Pain and Suffering Awards for Minor Injuries

Concerning the Cap on Pain and Suffering Awards for Minor Injuries Discussion Paper Concerning the Cap on Pain and Suffering Awards for Minor Injuries Office of the Superintendent of Insurance January, 2010 Introduction The Province of Nova Scotia regulates automobile

More information

Newfoundland and Labrador Board of Commissioners of Public Utilities. Automobile Insurance Filing Guidelines

Newfoundland and Labrador Board of Commissioners of Public Utilities. Automobile Insurance Filing Guidelines Newfoundland and Labrador Board of Commissioners of Public Utilities Automobile Insurance Filing Guidelines September 1, 2011 Table of Contents 1.0 GENERAL INFORMATION... 1 1.1 Board Responsibility...

More information

QUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY

QUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY QUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY CONTENTS PAGE SECTION 1: LOSS OR DAMAGE TO VEHICLE 1 INSURING CLAUSE 1 AUTOMATIC EXTENSION 1 LIMIT OF INDEMNITY 1 EXCLUSIONS 1 EXCESS FOR SECTION

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

CAYMAN ISLANDS. Supplement No. 2 published with Gazette No. 21 of 21st October, 2013. HEALTH INSURANCE LAW. (2013 Revision)

CAYMAN ISLANDS. Supplement No. 2 published with Gazette No. 21 of 21st October, 2013. HEALTH INSURANCE LAW. (2013 Revision) CAYMAN ISLANDS Supplement No. 2 published with Gazette No. 21 of 21st October, 2013. HEALTH INSURANCE LAW (2013 Revision) Law 15 of 1997 consolidated with Laws 28 of 2001, 13 of 2003, 13 of 2004, 9 of

More information

ECONOMIC ANALYSIS OF CLAIM COSTS

ECONOMIC ANALYSIS OF CLAIM COSTS ECONOMIC ANALYSIS OF CLAIM COSTS Prepared by Associated Economic Consultants Ltd. August 30, 2000 Table of Contents 1. INTRODUCTION...1 FIGURE 1...4 2. DEMOGRAPHIC AND ECONOMIC FACTORS...5 2.1 Population,

More information

BILL AS INTRODUCED H.385 2015 Page 1 of 11. Statement of purpose of bill as introduced: This bill proposes to enact specific

BILL AS INTRODUCED H.385 2015 Page 1 of 11. Statement of purpose of bill as introduced: This bill proposes to enact specific 0 Page of H. Introduced by Representative Botzow of Pownal Referred to Committee on Date: Subject: Insurance; transportation network companies Statement of purpose of bill as introduced: This bill proposes

More information

South Carolina Department of Insurance 300 Arbor Lake Drive, Suite 1200 Columbia, South Carolina 29223

South Carolina Department of Insurance 300 Arbor Lake Drive, Suite 1200 Columbia, South Carolina 29223 South Carolina Department of Insurance 300 Arbor Lake Drive, Suite 1200 Columbia, South Carolina 29223 Mailing Address: P.O. Box 100105, Columbia, S.C. 29202-3105 Telephone: (803) 737-6223 MARK SANFORD

More information

Chapter one: Definitions. Chapter Two: Conditions for Employment

Chapter one: Definitions. Chapter Two: Conditions for Employment FOREIIGN WORKERS ((Prrohiibiittiion off unllawffull emplloymentt and assurrance off ffaiirr condiittiions)) LAW,, 5751--1991 Chapter one: Definitions 1. In this law - Foreign worker - worker who is not

More information

EMPLOYEE BENEFITS LIABILITY COVERAGE FORM

EMPLOYEE BENEFITS LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage. Read the entire policy carefully

More information

INSURANCE (INSURANCE AGENTS) RULES 2009 ARRANGEMENT OF RULES PART I - PRELIMINARY PART II - DUTIES OF AN INSURANCE AGENT

INSURANCE (INSURANCE AGENTS) RULES 2009 ARRANGEMENT OF RULES PART I - PRELIMINARY PART II - DUTIES OF AN INSURANCE AGENT INSURANCE (INSURANCE AGENTS) RULES 2009 ARRANGEMENT OF RULES 1. Short title PART I - PRELIMINARY 2. Interpretation 3. Application of the rules PART II - DUTIES OF AN INSURANCE AGENT 4. Duties of an insurance

More information

Go Girl Private Car and Small Commercial Vehicle Policy Summary

Go Girl Private Car and Small Commercial Vehicle Policy Summary Private Car and Small Commercial Vehicle Policy Summary is a trading name of Sabre Insurance Company Limited. Any reference to in this document will mean Sabre Insurance Company Limited as the ultimate

More information

DAIRYLAND INSURANCE COMPANY MARKET CONDUCT EXAMINATION OCTOBER 31, 1996- OCTOBER 31, 1997

DAIRYLAND INSURANCE COMPANY MARKET CONDUCT EXAMINATION OCTOBER 31, 1996- OCTOBER 31, 1997 DAIRYLAND INSURANCE COMPANY MARKET CONDUCT EXAMINATION OCTOBER 31, 1996- OCTOBER 31, 1997 Seattle Washington Deborah Senn Insurance Commissioner Olympia, Washington 98504 Pursuant to your instructions

More information

INSURANCE AGENTS AND ADJUSTERS REGULATION

INSURANCE AGENTS AND ADJUSTERS REGULATION Province of Alberta INSURANCE ACT INSURANCE AGENTS AND ADJUSTERS REGULATION Alberta Regulation 122/2001 With amendments up to and including Alberta Regulation 199/2012 Office Consolidation Published by

More information

Term Life Insurance. Terms and Conditions, TL 16, valid as of 18.01.2016; type of insurance: term life insurance. Beneficiary

Term Life Insurance. Terms and Conditions, TL 16, valid as of 18.01.2016; type of insurance: term life insurance. Beneficiary Term Life Terms and Conditions, TL 16, valid as of 18.01.2016; type of insurance: term life insurance Structure of Term Life Contract 1. The Term Life Contract (hereinafter contract) is comprised of the

More information

AUTOMOBILE APPLICATION FOR INSURANCE FOR NON-TRUCKING USE (BOBTAIL)

AUTOMOBILE APPLICATION FOR INSURANCE FOR NON-TRUCKING USE (BOBTAIL) Surplus Call 800-342-5706 Insurance Fax 800-578-7758 www.surplusins.com Email quotes: submit@surplusins.com Brokers Agency Inc. P O Box 749, South Bend IN 46624-0749 AUTOMOBILE APPLICATION FOR INSURANCE

More information

Motor Vehicles (Third Party Insurance) CAP. 103 1

Motor Vehicles (Third Party Insurance) CAP. 103 1 Motor Vehicles (Third Party Insurance) CAP. 103 1 MOTOR VEHICLES (THIRD PARTY INSURANCE) ORDINANCE () Applied to Ascension by Ord. 3 of 1962 Amended in its application to Ascension by Ords. A2 of 1985

More information

MOTOR ACCIDENT REPORT (NOT FOR USE ON THEFT CLAIMS OR MOTOR TRADE)

MOTOR ACCIDENT REPORT (NOT FOR USE ON THEFT CLAIMS OR MOTOR TRADE) Insurance Company Limited MOTOR ACCIDENT REPORT (NOT FOR USE ON THEFT CLAIMS OR MOTOR TRADE) First Response Claims Line 0845 373 1300 Fax 020 7068 7740 Email claims@tradex.com www.tradex.com Policyholder

More information

GIO Funeral Insurance

GIO Funeral Insurance GIO Funeral Insurance Product Disclosure Statement and Policy Document Prepared on: 19 September 2014 Effective date: 20 October 2014 This product and combined Product Disclosure Statement and Policy Document

More information

ARIZONA AUTO INSURANCE APPLICATION. Nevada General Insurance Company UNDERWRITTEN BY NEVADA GENERAL INSURANCE COMPANY Transmittal Date/Time:

ARIZONA AUTO INSURANCE APPLICATION. Nevada General Insurance Company UNDERWRITTEN BY NEVADA GENERAL INSURANCE COMPANY Transmittal Date/Time: ARIZONA AUTO INSURANCE APPLICATION Nevada General Insurance Company Transmittal Date/Time: Policy Number: Program: Valu APPLICATION INFORMATION Named Insured and Mailing Address PRODUCER Producer Code

More information

Insurance. Life. Insurance. Product Disclosure Statement and Policy

Insurance. Life. Insurance. Product Disclosure Statement and Policy Insurance Life Insurance Product Disclosure Statement and Policy Effective 11 October 2013 The information provided in this PDS is general information only and does not take into account your individual

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

PREMIUM CHANGES 27 604.

PREMIUM CHANGES 27 604. PREMIUM CHANGES 27 604. (a) (1) This section applies only to policies of personal insurance and insurance issued under the Maryland Property Insurance Availability Act or any similar act instituted to

More information

MARYLAND LAWS AND REGULATIONS ON INSURANCE PREMIUM

MARYLAND LAWS AND REGULATIONS ON INSURANCE PREMIUM MARYLAND LAWS AND REGULATIONS ON INSURANCE PREMIUM LAWS: 19 114. Deductibles in medical malpractice policies. (a) Each insurer that issues or delivers a medical professional liability insurance policy

More information

CHAPTER 7.08 MOTOR VEHICLES INSURANCE (THIRD-PARTY RISKS) ACT MOTOR VEHICLES INSURANCE

CHAPTER 7.08 MOTOR VEHICLES INSURANCE (THIRD-PARTY RISKS) ACT MOTOR VEHICLES INSURANCE CHAPTER 7.08 MOTOR VEHICLES INSURANCE (THIRD-PARTY RISKS) ACT and Subsidiary Legislation Revised Edition showing the law as at 1 January 2002 This is a revised edition of the law, prepared by the Law Revision

More information

SOUTH CAROLINA AUTO SUPPLEMENT

SOUTH CAROLINA AUTO SUPPLEMENT AGENCY AGENCY CUSTOMER ID: SOUTH CAROLINA AUTO SUPPLEMENT APPLICANT/NAMED INSURED POLICY NUMBER CARRIER NAIC CODE. OFFER OF ADDITIONAL UNINSURED MOTORIST COVERAGE AND OPTIONAL UNDERINSURED MOTORIST COVERAGE

More information

Financial Advisers (Amendment) Bill

Financial Advisers (Amendment) Bill Financial Advisers (Amendment) Bill Bill No. 15/2015. Read the first time on 11 May 2015. A BILL intituled An Act to amend the Financial Advisers Act (Chapter 110 of the 2007 Revised Edition). Be it enacted

More information

Community Underwriting Motor Claim Form

Community Underwriting Motor Claim Form Community Underwriting Motor Claim Form About the Insurer Calliden Insurance Limited (Calliden) (ABN 47 004 125 268), is a public company incorporated in Australia. It is authorised under the Australian

More information

EMPLOYER S LIABILITY INSURANCE RULES

EMPLOYER S LIABILITY INSURANCE RULES EMPLOYER S LIABILITY INSURANCE RULES Baku 2009 EMPLOYER S LIABILITY INSURANCE RULES GENERAL Employer s Liability Insurance Rules of the International Insurance Company OJSC, hereinafter referred to as

More information

COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC

COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC Introduction Choice of Cover Third Party Fire and Theft You are covered for liability to third parties (including passengers)

More information

INSURANCE INDUSTRY PROFESSIONAL LIABILITY COVERAGE UNIT THIS IS A CLAIMS MADE POLICY. PLEASE READ CAREFULLY.

INSURANCE INDUSTRY PROFESSIONAL LIABILITY COVERAGE UNIT THIS IS A CLAIMS MADE POLICY. PLEASE READ CAREFULLY. INSURANCE INDUSTRY PROFESSIONAL LIABILITY COVERAGE UNIT THIS IS A CLAIMS MADE POLICY. PLEASE READ CAREFULLY. I. INSURING AGREEMENTS A. INSURANCE OPERATIONS COVERAGE. We will pay on behalf of the insured

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