Couple of days ago, my youngest son, asked me to take his classmates home, therefore it decided to lend him the automobile, here is the case that along the way back to the House suffered an accident, where the since the driver of another vehicle were both injured. To learn immediately report to the insurance company and ask for the support of a legal adviser.For the time of the signing of the policy, not aware me of the existence of a clauseindicating a stipulation thats excluded from coverage under 25 people or less compared to two years of driving, which could utilize the vehicle experienced.Whenever you contact the legal counsel by way of a query, I request to send him the contract of the policy for your review, so that it became aware of the detail, explaining that this can be a unilateral decision that certain insurance companies make as regards clauses within the insurance policies required of circulation, that still being accepted by the policyholder of exactly the same Sometimes they correspond to a significant and undeniable limitation on the rights of persons who claim their vehicles.This practice contributes to a considerable increase of the premium to cancel by the policyholder, even if it is limiting their rights.These drivers are thought most at an increased risk, and its an incident with an alternative party, of proceeding of the insurance entities is to compensate the injured party, however, subsequently claim the total amount paid to the policyholder.The really interesting, is that at the time of the proper legal counsel, and make consultation of lawyers in telephone manner, I got the response necessary and sufficient in order to request the review of the clause in the policy and act accordingly, since to keep yourself informed that the Supreme Court in a ruling of 20 November 2014 has limited the exercise of the proper of repetition of insurance companies to the assumptions legally provided for in article 10 of the Royal Decree 8/2004, of 29 October, whichapproves the revised text of the law on civil liability and insurance in the circulationof motor vehicles, in accordance with this specific precept only collects the likelihood of Pact on repeat on the assumption that the car being driven by a person lacking a drivers license otherwise permitted the inclusion of a provision that excludes coverage to minors aged 25 or drivers with less experience of circulation, which translates unable to repeat against the policyholder the quantity indemnified to the affected alternative party while such circumstance was expressly collected in this conditions of the policy and could have been expressly accepted by it.But this, said exclusion Pact if it may deploy its effects outside the scope of the compulsory insurance, allowing in that case repeat the policyholder of the compensation covered damage caused to the insured vehicle.As you will see, be informed punctually, can avoid any number of disadvantages, including protects us from losses of money, this really is important legal services


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