With a rather dismal road safety record and hundreds of thousands of road crashes yearly in South Africa it is rather irresponsible to drive with a vehicle that is not insured. Car Insurance, even though sometimes seen as a “Grudge purchase” may save you from lengthy legal battles with other road users. Perhaps most important though is that car insurance will provide peace of mind that you will not be left to deal with severe financial hardship in having to replace your vehicle.
Well, this is part of the theory of it! All is however not that simple. The contract with your car insurer will also require you to fulfil YOUR contractual obligations to ensure that the insurer is not burdened with limitless liability. It would only be fair to accept that an insurer will only pay for those damages that could be foreseen - and not for damages caused by lawlessness such as drunk and reckless driving!
When an insured vehicle owner submits a claim to the insurer, the insurer will...
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