Travel insurance can be unpredictable, and personal liability is a lesser-known concern besides theft and medical emergencies. It involves potential financial repercussions for accidents abroad. The right travel insurance plan can protect you from third-party accidents that may result in legal and financial troubles.
Personal Liability: What Is It?
Consider the scenario where you spill hot coffee and burn an elderly passenger while travelling abroad. Older people may file a lawsuit against you for the legal responsibility of treatment and the harm caused, regardless of the unintentional accident. In a situation like this, personal liability applies, and you are now responsible for any harm to a third party.
Personal liability is your obligation under the law to compensate a third party for losses they suffer due to your carelessness. Most of the time, travellers choose the legal route to solve their problems.
What Does Travel Insurance’s Liability Coverage Entail?
Personal liability coverage is a benefit provided by Bajaj Allianz travel insurance. Under this benefit, the insurer reimburses the client for any liability costs incurred accidentally or for specified reasons. The insurance holder may request assistance from the insurer to be released from the liability assessed against them in a foreign country under the terms of the personal liability coverage in travel insurance. Claims are subject to terms and conditions set forth under the travel insurance policy. *
Although some travel insurance providers charge an additional premium for personal liability coverage, Travel Insurance includes personal liability coverage as one of the standard policy benefits of travel insurance. Claims are subject to terms and conditions set forth under the travel insurance policy.
How Does Travel Insurance’s Personal Liability Coverage Operate?
Since you are unfamiliar with the laws and regulations of the new country, being charged with liability there can be stressful. However, the following steps will help you avoid a third-party liability problem:
Step 1: Verify whether the charges against you for personal liability are true or false after you have been charged. Always remember that only “false” or “unintentional” personal liability may be covered byBajaj Allianz travel insurance. Your travel itinerary might not cover any costs related to the injury you intentionally caused.
Step 2: Contact your insurer and explain the situation as soon as you are confident that the allegations are untrue or that you did not intentionally hurt the third party. Use the emergency numbers provided to contact the insurer.
Step 3: After you notify your insurer, they might ask you for paperwork or proof of your innocence. Once the insurance provider has completed all the necessary checks, you should allow the insurer to speak with the third party on your behalf.
Step 4: Work with your insurer to convince the third party to accept the settlement. If the other party consents to payment outside of court, the insurer may pay the agreed-upon settlement amount to the other party out of the total amount insured under your international travel insurance online policy.
Step 5: The insurer may give you financial support to get through the legal processes if the third party files a lawsuit and refuses to settle the dispute outside of court. Make sure that you do your Bajaj Allianz travel insurance renewal on time.
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*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.