Asked by the Customer on 08-07-2015 09:00:07
Question posted in the Consumer Protection Law category relating to Gauteng
Question posted in the Consumer Protection Law category relating to Gauteng
My father received an email from his insurance company asking him to provide a medical certificate from a recognized practitioner stating that he is fit and able to drive a motor vehicle.
The email claims the insurance company has age restrictions for individuals over the age of 75 years. My dad is 88. I would like to check with you if this is standard procedure for an insurance company.
What are my father's rights?
The email claims the insurance company has age restrictions for individuals over the age of 75 years. My dad is 88. I would like to check with you if this is standard procedure for an insurance company.
What are my father's rights?
Message from the Attorney
Posted by Att. Patrick on 08-07-2015 11:45:40
Hi there and thank you for your question,
My knee-jerk reaction is to say that it is not standard procedure for the insurance company to do this.
I would write back to them to ask for confirmation as to what the age restrictions are, and what the impact of that is.
Also ask why they continued to insure your father (knowing that he is 88 years old) if there were restrictions that applied.
At the end of the day, you need to find out what those restrictions are (they should appear in the policy schedule, e.g. you must drive with your glasses) because if your dad didn't comply with the restrictions, then the insurance company might be able to repudiate his claim!
Your dad has the right to demand a copy of the insurance policy and schedule. Your dad also has the right to understand the restrictions contained therein.
Your dad does however have an obligation to drive the vehicle ensuring that he complies with the restrictions.
If there is a part of the answer which you need more advice on, or clarity please continue in this same thread instead of opening a new question.
Att. Patrick
Please remember this is a dialog if you have follow up questions please use the REPLY button and ask. If I did not answer the question you thought you were asking, please respond with the specific question you wanted answered. I hope you found my answer helpful, and you have finished asking your questions, please click on the GREEN ACCEPT button in order to mark the question as closed.
My knee-jerk reaction is to say that it is not standard procedure for the insurance company to do this.
I would write back to them to ask for confirmation as to what the age restrictions are, and what the impact of that is.
Also ask why they continued to insure your father (knowing that he is 88 years old) if there were restrictions that applied.
At the end of the day, you need to find out what those restrictions are (they should appear in the policy schedule, e.g. you must drive with your glasses) because if your dad didn't comply with the restrictions, then the insurance company might be able to repudiate his claim!
Your dad has the right to demand a copy of the insurance policy and schedule. Your dad also has the right to understand the restrictions contained therein.
Your dad does however have an obligation to drive the vehicle ensuring that he complies with the restrictions.
If there is a part of the answer which you need more advice on, or clarity please continue in this same thread instead of opening a new question.
Att. Patrick
Please remember this is a dialog if you have follow up questions please use the REPLY button and ask. If I did not answer the question you thought you were asking, please respond with the specific question you wanted answered. I hope you found my answer helpful, and you have finished asking your questions, please click on the GREEN ACCEPT button in order to mark the question as closed.
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