Factors
You Need To Know About Personal Liability
Due to the principle of common law, is personal liability
your responsibility towards others. As consumers of South Africa, we all form
part of the principle of common law. It is clear to us that personal liability
claims will be as a result of any damages caused by your negligence. An example
of such a claim would be if someone is bitten by your dog in front of your home
in the street. The injured person can then sue you for this, and then you can
claim from your personal liability cover to cover for the damages caused by
your dog.
This car insurance policy will only pay out if you were
found guilty in court. If the legal advisers of your company feel that you will
anyway be found guilty, then they would pay out with out the consent of the
court in order to save them the money of the legal costs. Personal liability
cover will also pay for your legal costs if you have been sued by the injured
party.
It is important that you know that if you commit a act where
you know that you will cause damage to someone then the insurer are not obliges
to pay out. It has to have been an accident.
We have found that before August 2008, most of car insurance
policies have personal liability cover included in the policy. In August 2008,
there have been big changes. They have stated that an injured person cannot
claim against a driver who has caused the damages. Victims should now claim
against the Road Accident Fund.
There are thus a few consequences of this change. We don’t
have to invest in a personal liability policy anymore, as the victim should
claim from the accident road fund of South Africa. The victims can only sue you
for shock treatment.
We can see that there is no need as a driver to obtain
personal liability cover anymore as injured victims must claim from RAF. This
system is still fairly new to us and is currently being tested in the courts of
South Africa.
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