- 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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