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| Q : |
Is personal accident
policy cover the risk of murder? |
| A : |
Personal
accident policy covers the risks of injury or death caused by any
incident that involve violent, accidental and external means. Since
the insured person did not aware that he/she would be murdered, it
should be an accident and the policy should normally cover the risk.
However, if the insured person was murdered in a war or by ingestion
of poison gas, it should be excluded in accordance with the exclusions
of the policy. Besides, some policy exclude "murder & assault". |
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| Q : |
In
case when the red signal is hoisted at the beach indicating that it
is not suitable to swim, someone still ignore the warning and got
into the water. If this person met an accident during swimming, will
he entitled to receive compensation from the policy? |
| A : |
It depends
on the policy wordings. If the policy consist of an exclusion that
avoided the risk for the insured person to "Expose to unnecessary
danger" than the insurance company should have the right to repudiate
liability when the insured person meet an accident caused by the ignorance
of the warning. |
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| Q : |
In a traffic accident,
someone tried to cross the road without complying with the pedestrian
signal and was knocked down by a vehicle. Is he/she entitled to receive
compensation from his/her own personal accident policy? |
| A : |
Most
personal accident policy would avoid the risk of the insured person
to "Deliberately Expose Themselves to Needless Peril". However, the
insurance company has to provide concrete evidence to prove that the
insured person were deliberately caused the accident. In the above
case, the insured person should be compensated if he/she just crossed
the road in the red traffic light carelessly. |