automobile first-party insurance

 - automobile first-party insurance
 - automobile first-party insurance


Dit is de autoverzekering die je zelf hebt afgesloten en die jouw risico's dekt.
Bron: Kennisconsult


Generally, there are two types of insurance related to automobile accidents: first party and third party.  The terms "first party" and "third party" refer to your relationship with an insurance company.  An insurance company is considered a first-party insurer if it is your insurance company, the one that you have a contractual relationship with and pay premiums to.  Typical first-party insurance types are personal injury protection (PIP), uninsured motorist coverage (UM), underinsured motorist coverage (UIM), or health insurance coverage.  In some instances, labor and industries (L&I) can also be considered a first-party insurer.  Additionally, if you are a passenger in someone else's vehicle, his or her PIP coverage can be first party, even though you don't pay premiums to them.  Similarly, if you are a pedestrian hit by a vehicle, that vehicle's PIP coverage will apply to you.  First-party companies owe a high legal duty to the people they insure. 
An insurance company is considered a third-party insurer if it does not have a relationship with you directly, but the people it insures may be liable to you for damages of some kind.  A third-party insurer is usually the insurance company of the other person or people involved in the accident.
source: http://www.avvo.com/legal-guides/ugc/first-party-third-party-auto-insurance-washington-state

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Laatst bijgewerkt: 04-11-2010
Thema: *niet toegekend*
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