Month: December 2020

How to Proceed When You Get Your Car Damaged by Someone

1. Report the damage to the police

Sometimes it becomes a complex procedure to know exactly who damaged the car and if there was some sought of contributing element on your side too. This is why you need to report the incident to the police.

You might document the incident by taking pictures of the damaged car part, in case it is a hit and run if you can reach your camera before the culprit disappears will greatly help the police find the person responsible so you get your deserved compensation.

The police are also obligated to make an official report that will be produced possibly if the matter goes to court that is when there is a dispute of whether the other party is truly responsible for the damage.

This report taken will also come in handy when you need compensation from your insurance company. Because car insurance companies are not ‘accident watchdogs,’ they will not be able to ascertain whether the claim damages being sought truly resulted from the incident.

The police report will therefore act as proof of the damage and from there the insurance company can go ahead and quantify the damage and issue compensation.

2.  Notify your insurer

With this, I presume you have already insured your car, if not, I will give a short guide to proceed in the next block.

You already know the benefits of taking car insurance, in this case, it will lift the burden of having to repair the car from you to your insurance company.

You’ll be required to notify your insurance company of the accident. From there, the insurance company will send their team of experts to look at the damage that has occurred, confirm that you have an active cover (meaning you’ve been paying your premium.)

When confirmation is given, the insurance company will go ahead and bear the cost of the damages.

There is a lot to cover when it comes to insurance and how it operates. This will be largely covered and explained to you by your insurance company.

Therefore be sure to learn how your insurance works before purchasing any insurance policy. Because many insurance companies cover car damages, I suggest that you read some Car insurance companies reviews to help you make a better choice on which company to choose and which to avoid.

While reading the reviews look at how the company responds to claims and the general customer care service, among other things.

3.  Filing a claim

I didn’t cause the damage, why should my insurance company cover? If you are questioning this, then the short answer is that, yes the other party may cover the damages.

However, for quick relief, your insurance company can cover the damage and then proceed to seek compensation from the third party’s insurance company.

In law, this is often referred to as Third-Party Insurance claim. While you might not know much about it, it shouldn’t be much of a worry because often when …

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What Laws Protect Travellers In Norway When Trips Are Cancelled

Cancellation insurance can be bought and prevents you from costly cancellation fees if you get ill or get some other serious obstacles. The traveler is entitled, after payment of a cancellation fee, to cancel the travel package before it commences. The travel package contract will provide for a reasonable one, uniform cancellation fee. The time of cancellation and the start of the travel package, the estimated cost savings of the organizer, and profit from alternative usage of the travel services shall be considered when setting these fees. If the package travel contract does not allow for a fixed cancellation fee, the size of the charge shall be the price of the travel package minus the cost savings of the organizer and the revenue from alternative usage of the travel services.

Cancellation of travel package at no charge

According to section 22, the traveler is entitled to cancel the travel package before it starts, without charging a cancellation charge, if conditions are unavoidable and exceptional at the destination or its immediate vicinity, which would substantially affect the performance of the travel package or the transport of passengers to the destination.

Cancellation by travel agent/company

According to section 23, the travel agent/company may cancel the travel package if the number of persons enrolled for it is less than the minimum amount specified in the contract and the organizer notifies the traveler of the cancellation by the deadline specified in the agreement, but no later than the following:

(A) 20 days before travel package begins, for journeys lasting more than 6 days

  1. B) 7 days before the start of the travel package, for journeys of between 2 and 6 days

(C) 48 hours before the beginning of the travel package, for journeys of less than 2 days.

The travel agent/company may also cancel the travel package if, due to unavoidable and exceptional circumstances, its success is prevented, and the traveler is informed without undue delay of the cancellation. The traveler does not have the right to compensation if the cancellation occurs because of circumstances related to subsections 1 or 2.

Refunds

When the travel package is canceled according to section 20, subsection 2, 21, or 22, or if the organizer cancels the travel package pursuant to section 23, the organizer shall refund all sums charged for the ride. The cancellation charge can be deducted in connection with cancellations, according to article 21. Refunds shall be paid to the traveler in all cases without unreasonable delay and no later than 14 days after the termination of the travel contract for the kit. This is done by Momondo, which helps you to find hotels and travels.

Although in other European countries, Flight Cancellations Regulation 261/2004 on Air Passenger Rights specifies that the traveler should be entitled to a refund or re-routing to their destination in the case of the airline canceling. Some airlines provided vouchers that would allow passengers to fly in the future, and some airlines eliminated the online refund facility to force …

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