By law, third party liability insurance is mandatory for vehicles. Attempts of insurers to impose life insurance together with car insurance are illegal.
Many insurers use the lack of awareness of citizens and try to get additional income. The state is struggling with such phenomena. If you are faced with such a problem, you need to fix the fact of the refusal of insurance and go to court. Your position in court will be very strong, as a result, the insurer will have to insure you and pay all court costs incurred.
In General, auto insurance without life insurance is the responsibility of the insurer.
How can I insure a car without life insurance?
When choosing an insurer you need to be careful. You need to choose a company with a good reputation and a long period of work in the market. You should always carefully, together with a lawyer to read all the rules of insurance specified in the contract.
Recently, there are more and more insurers, literally insisting on additional life insurance in the design of compulsory car insurance. Many motorists are wondering how you can insure a car without life insurance in this situation, the answer is simple, and you need to act according to the law.
The main thing is not to hurry and you will be able to issue it without overpaying. Insurers are often motivated by a refusal to issue insurance without insurance life by order of his/her superiors.
They say they can’t even discuss the order. In fact, no order can ever be above the law. The court will support you, but since the lawsuit can be long, it is better to turn to a more honest insurer, which is now very much.
There are also state insurance companies
Life insurance in case of car insurance is unnecessary since, under the terms of this insurance in case of an accident; the driver him/herself harms other traffic participants and their rehabilitation he/she will have to pay for him/herself.
Sometimes insurers offer additional life insurance for pedestrians, passengers and other possible victims. It is also illegal and can be done only separately, and not together with the insurance policy.
In case of termination of the contract, the insurer must return all previously paid funds. But this procedure is very difficult and long, nor are all insurers willing to return the money.