ang hirap ng takbo ng discussion...
ok ganito nalang... me kotse ka, worth 1M bili mo sa kasa.
na insured mo, sa XXXX amount. yung XXXX amount, yon yung basis ng premium na babayaran mo pero sa batas ng insurance, yung XXXX dapat iyon yung tinatawag na insurable interest...
hindi pwede magpa cover ng insurance na above sa insurable interest, pag nagkaron ng indemnity incident, hindi tataas sa insurable interest yung babayaran ng insurance company...
kung yung xxxx amount ay equivalent o less than the insurable interest, hindi pwedeng mag decline ang insurance co. na bayaran yun...in the first place, yug yung basis ng premium na binayaran...
ang exception lang e kung meron double insurance at wala consent yung unang insurance company na nagcover,, dapat me consent nila before kumuha ng another insurance unless yung pina insure ay yung remaining insurable interest na hindi na cover ng unang insurance, otherwise, pwede nila i rescind yung policy... in short, walang makukuha yung nag pa insure kasi nag violate siya ng provision nung policy...
ngayon, kung yung 1M talaga ang tamang insurable interest na pina insured mo, 1M dapat nila bayaran. pag tumawad, gulpihin mo ng isurance code. HTH
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October 7th, 2012 09:29 PM #38Last edited by phezthie; October 7th, 2012 at 09:35 PM.
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