Page 225 - Motor Insurance Ebook IC 72

Guide for Motor Insurance

slower reactions which may have serious consequences
in the event of an emergency.

All proposal forms incorporate a question to elicit
whether, to the best of proposer's knowledge and belief,
he, or any other person who to his knowledge will drive,
suffers from defective vision or hearing or from any
physical defect.

Common defects of vision which can be corrected by
classes or contact lens are ignored. The loss of sight in
one eye is much more serious as it impairs the field of
vision and judgment of distances. Deafness which can
be overcome by the use of hearing aids is ignored by
the underwriter.

Loss of limbs introduces considerable hazards. Such
disabled drivers are able to drive cars which are specially
adapted for their purpose. Insurance is granted in such
cases, the types of cover depending upon several factors
such as the age of the car, nature and locality of us, etc.

The driving experience may indicate accident-proneness.
It is found that numerous claims occur with new drivers
because of their limited driving experience.

Another great menace on the road is not the new driver

Sashi Publications - www.sashipublications.com 225

Copyright@ The Insurance Times. 09883398055 / 09883380339