It is necessary to complete the insurance coverage
Notable insurers from the beginning of the year to April 28
According to the Judicial Media Center, according to the Judiciary Media Center, according to the head of the Judiciary, according to the investigations, the price of full blood money in the non-haram months for 1401 is equal to 6 billion rials. It was set at 600 million tomans. In this regard, the insurers who have purchased the insurance policy in the last month, according to the explicit text of the law, should pay attention to the subtle points in the obligations of their insurance policies so that they can use their insurance coverage properly during the loss. کردن.
Article 8 of the Third Party Insurance Law acknowledges that the minimum amount of insurance subject to this law in the section of bodily injury is equivalent to the minimum rial of a Muslim man’s diyat in the forbidden months in accordance with the note of Article (9) of this law and in any case . Also, the minimum amount of insurance subject to this law in the area of financial damages is equal to two and a half percent (2.5)% of physical liabilities.
Therefore, due to the fact that the rate of Diyat has changed since April 28, this year, the rate of third party insurance has also changed accordingly, and according to the law on third party insurance, obtaining the supplement to increase the physical obligations of third parties for insurance policies that date Their coverage started before April 1, 1401, and people do not need to buy supplements in this regard.
Accordingly, in the case of insurers whose insurance policy started from the first of Farvardin to the eighth of Farvardin 1401 and the insurance policy was issued with the obligations of the previous year, since according to the third party insurance law, physical obligations on third party insurance must be in the amount of one month If it is forbidden, the insurers must increase the physical obligations of their insurance policies to the extent prescribed in the said law.
On the other hand, insurers can purchase supplementary insurance at the time of or after the issuance of the insurance policy to compensate for financial losses in excess of this minimum. Central Insurance has also stated that if insurers request an increase in financial liabilities to compensate for financial losses, insurance companies are required to obtain a supplement to increase the financial liabilities of third party insurance by obtaining the relevant insurance premium.
Majid Behzadpour, General Director of Central Insurance, also emphasized this point in a letter to insurance companies, stating that “according to the third party insurance law approved in 2016, the physical obligations of third party insurance at the time of issuance must be equal to the amount of ransom months.” It is forbidden for insurance companies to duly inform the insurers who have purchased insurance policies from the first of April to the eighth of Farvardin in order to increase the physical liabilities of their insurance policies to the extent prescribed in the said law. To do. “
He also stated that due to the 25% increase in the diyat rate this year and the central insurance measures regarding social considerations and government policies to control inflation, the premium rate in 1401 compared to 1400 is equal to 4 units. A percentage less than the increase in the amount of Diyat was determined.
The letter emphasizes that insurance companies are also required to provide information regarding the announcement of the new third-party insurance rate, and that arrangements must be made for people to consciously choose third-party insurance obligations.
