When you decide to buy insurance coverage out pretty car. Your sweetheart I feel mystified with an insurance until the details are covered. It does not matter Many times, the information must surrender an insurance website. It will allow to sit for an insurance industry, one word, it is a time consuming job. Some of Dr. organisms can no longer stand and had to call the Call Center to ask questions that have long to remember. In spite of all the details are available on the website. The best way to learn key vocabulary items. The ornamental knowledge Gain insight Then read the terms and details of your insurance will not have to suffer anymore.
1. Torts
Any damage The estimated amount. Including loss of rights, benefits or income.
2. insurance
Name a type of insurance contract the insurer (Typically an insurance company) agrees to indemnify the insured in the event of any damage. The estimated amount.
3. Policy (Policy)
A document issued by the insurer or the insurance company. The description of the terms and conditions covered by the contract, the buyer can choose to buy insurance. And this document will be used as evidence in a claim.
4. Insured (The Insured)
Contractors Insurance Or simply are those who buy insurance there. The insured has a duty to disclose facts to the insurer. And premium payment Failure to meet that stated in the policy. The insured was entitled to claim the actual damage.
5. Insurer (The Insurer)
The other party Or insurance company licensed by the Department of Insurance. Ministry of Commerce He is entitled to receive a premium from the insured. The insurance can be requested each car insurance shoppers. It also is responsible for compensation when the damage as specified in the contract. This could recoup cash Car repair Finding replacement parts or parts that have been damaged.
6. beneficiary (The Beneficiary)
Third party contracts are entitled to receive benefits in compensation. When a beneficiary under the policy, then The insured shall not receive compensation anymore. The beneficiary may be the same or insured. In that case, a different person
7. Premium (Premium)
The amount insured or buyer shall pay to the insurer to obtain coverage under the insurance contract. The contract is a reciprocal agreement The insurer may refuse to pay compensation in case of damage. If the insured fails to pay premiums until the insured and will pay according to their functions.
8. Capital insured or the insured amount (Sum Insured).
The maximum amount the insurer will pay. When damage occurs by the contract.
9. Claim (Claim Amount)
The restitution claim by the insurer, the insured. The damage caused by the disaster, as stated in the policy. The amount of actual damages. This could recoup cash Car repair Finding replacement parts or parts that have been damaged.
10. Damage Excess (Deductible).
The insured must pay out in damages each time. If the damaged part at 55 USD / time when an accident with damage equal to or less than 1000 baht, you will not receive compensation from insurance companies. And you are responsible for own damages If damage occurs with more than 55 USD to 27 USD for just only insurance company will compensate the rest. Excess is one of the factors that determine your premium. The allowance is reduced by the amount specified. And excess insurers are also more cautious. Because of all the damage The insured must share responsibility.
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