Reduce insurers’ dissatisfaction with the insurance industry by increasing awareness
According to Monetary Financial News, Amir Kohan, a member of the Insurers’ Syndicate and the director of car insurance “Ma” Insurance in the live radio program of Radio Ghofgoo, expressed his views on car insurance, third party insurance laws and the need to change people’s views on Expressed the insurance industry.
According to the public relations report of “Ma” Insurance, a member of the Insurers’ Syndicate, regarding the nature of third party insurance services, said: According to paragraph A of Note 10 of Budget Bill 1401, insurance companies are obliged to pay five percent of premiums issued up to 500 billion Tomans Deposit the principal of the third party premium into the treasury account of the whole country based on the portfolio table (sales) of the premium of each company determined by the Supreme Insurance Council. From the sources of depositing these funds, the country’s road and road transport organizations, emergency services, radio and television, police and the Red Crescent will contribute based on the relevant tables to take effective measures to reduce road accidents and fatalities.
Kohan pointed out: Part of the premium received by the insurance industry belongs to the Ministry of Health. Ten percent of the premium received is deposited in the treasury account of the whole country, which is spent to compensate the medical expenses of the injured in traffic accidents and eight percent of the premium. Allocated to the Personal Injury Insurance Fund to pay for out-of-pocket damages.
Regarding the culture-building by the insurance industry, Kohan said: “A percentage of the fund’s resources, which is dedicated to the insurance industry’s pursuit of receiving fines for non-renewal of third party insurance policies, is spent on culture-building to reduce traffic accidents.”
He stressed: Awareness of insurers and victims of traffic accidents of insurance policies and laws adopted by the insurance industry will lead to a reduction of their dissatisfaction with the insurance industry.
Kohan continued: “If the victims and the insurers are aware of their legal rights and the trustees have explained the technical issues well, the injured party will definitely be more satisfied with the performance of the insurance companies.” Will have.
Regarding Note 3 and 4 of Article 8 of the Compulsory Third Party Insurance Law, the director of “Ma” Insurance said: “Considering the protection of the new law, if the culprit of the accident is an unusual car (a car that If the value is more than four billion rials), the damage will be determined and paid according to the rule of proportion and equivalent to Dena car.
Regarding the method of compensation, Kohan said: “In traffic accidents leading to financial damage, according to Article 39 of the new law approved in 1995, compensation is paid in cash and with the agreement of the injured party and the relevant insurance company.” In case of disagreement between the parties regarding the amount of damages payable, the insurance company is obliged to repair the damaged vehicle in an authorized repair shop or a repair shop that has accepted the damage in case of a damaged request and to repair the costs up to the financial obligations stated in the insurance policy. Pay.
The member of the Insurers’ Syndicate continued: The insurer’s obligations regarding the payment of diyat are on a daily basis and if there is a delay after completing the documents, the insurer will take action in accordance with Article 33 of the Compulsory Insurance Law.