รถเกิดเหตุคนขับไม่มีใบขับขี่ ประกันภัยจะรับผิดชอบหรือไม่!
ทราบกันหรือไม่ครับว่า? ถึงแม้รถยนต์คันดังกล่าวจะทำประกันภัยรถยนต์ไว้ แต่หากเกิดอุบัติเหตุและผู้ขับขี่ไม่มีใบขับขี่ บริษัทประกันภัยจะรับผิดชอบหรือไม่อย่างไร? แยกเป็น 2 กรณีดังนี้ครับ
กรณีที่เป็นฝ่ายถูก บริษัทประกันภัยจะรับผิดชอบค่าซ่อมรถให้กับรถเราก่อน หลังจากนั้นจะไปเรียกร้องความเสียหายดังกล่าวจากรถของคู่กรณี หรือบริษัทประกันภัยของคู่กรณี (ขึ้นอยู่กับว่าคู่กรณีมีประกันภัยหรือไม่นะครับ)
กรณีที่เราเป็นฝ่ายผิด ลักษณะดังกล่าวจะเข้าข้อยกเว้นที่บริษัทประกันภัยไม่ต้องรับผิดชอบในส่วนความเสียหายที่เกิดขึ้นของรถเรา แต่บริษัทประกันภัยจะรับผิดชอบค่าเสียหายต่อชีวิต ร่างกาย และทรัพย์สินให้เฉพาะของคู่กรณีเท่านั้น
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