Scribd Logo
Upload

Welcome to Scribd!

  • 33 views

    Denial Letter Authorized Drivers Clause

    Uploaded by

    rmalig
    The document is a letter informing the recipient that their own damage claim cannot be approved. The claim involved an insured vehicle that was being driven by their family driver who only had a non-professional driver's license, violating the authorized driver clause of the insurance policy. The letter cites the relevant policy provisions and regulations to explain why the claim is not valid due to this violation.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Denial Letter Authorized Drivers Clause

    Uploaded by

    rmalig
    33 views2 pages
    The document is a letter informing the recipient that their own damage claim cannot be approved. The claim involved an insured vehicle that was being driven by their family driver who only had a non-professional driver's license, violating the authorized driver clause of the insurance policy. The letter cites the relevant policy provisions and regulations to explain why the claim is not valid due to this violation.

    Original Title

    DENIAL LETTER AUTHORIZED DRIVERS CLAUSE

    Copyright

    © © All Rights Reserved

    Available Formats

    PDF, TXT or read online from Scribd

    Did you find this document useful?

    Is this content inappropriate?

    The document is a letter informing the recipient that their own damage claim cannot be approved. The claim involved an insured vehicle that was being driven by their family driver who only had a non-professional driver's license, violating the authorized driver clause of the insurance policy. The letter cites the relevant policy provisions and regulations to explain why the claim is not valid due to this violation.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    33 views2 pages

    Denial Letter Authorized Drivers Clause

    Uploaded by

    rmalig
    The document is a letter informing the recipient that their own damage claim cannot be approved. The claim involved an insured vehicle that was being driven by their family driver who only had a non-professional driver's license, violating the authorized driver clause of the insurance policy. The letter cites the relevant policy provisions and regulations to explain why the claim is not valid due to this violation.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 2

    July 30, 2020

    JIMMY DIMAPORO GALO JR.


    B3, L3, Hasting Victorian Heights,
    Brgy. Sauyo, Quezon City

    Dear Sir,

    We regret to inform you that your OWN DAMAGE CLAIM filed under Policy No.GC-
    PCV-100599870 involving the insured unit, 2020 FORD RANGER 2.0L RAPTOR
    4X4 AT with Plate/CS No. C2V486, loss/s of February 29, 2020 cannot be acted upon
    favorably.

    Based on the submitted documents, the insured unit at the time of the accident was being
    driven by Mr. Hassan Siaman Udsiman who is in possession of NON-
    PROFESSIONAL DRIVER’S LICENSE with no. M05-17-000702 with issuance date
    of March 29, 2017.

    However, as per verification Mr. Hassan Siaman Udsiman “is our official family driver”
    who is in possession of a non-professional driver’s license only.

    In view thereof, the said claim is not compensable since there is a patent violation of the
    AUTHORIZED DRIVER CLAUSE of the Policy which reads as follows:

    “AUTHORIZED DRIVER:

    Any of the following:


    b. Any person driving on the Insured’s order or with his
    permission. Provided that the person driving is permitted, in
    accordance with the licensing law or other regulations, to
    drive the Scheduled Vehicle, or has been permitted and is not
    disqualified by order of a Court of Law or by reason of any
    enactment or regulation in that behalf, provided that for
    Sections I and II only of this Policy an authorized driver shall
    include a duly licensed driver but whose license at the time of
    the accident had expired.”

    Moreover, the General Exceptions of the Policy, specifically Item No. 1


    provides and we quote:
    GENERAL EXCEPTIONS

    “The Company shall not be liable under any Section of this Policy in respect of

    1. Any accident, or liability caused, or incurred


    (a) xxx
    (b) whilst any MOTOR VEHICLE in respect of which
    indemnity is provided by this Policy is:
    (i) xxx
    (ii) being driven by any person other than an Authorized Driver.”

    Further, the Land Transportation Code provides under Republic Act No. 4136,
    Section 3 (e) and we quote:

    “Professional Driver” shall mean every and any driver hired or


    paid for driving or operating a motor vehicle whether for
    PRIVATE USE or for hire to the public.”

    We wish to commiserate for the loss our Assured have suffered, while we have no other
    recourse but to decline liability on the subject claim based on the breach of the authorized
    driver provision of the Policy.

    We refer to you the subject claim for your proper disposition.

    Very truly yours,

    Louie Lepon
    Claims Handler/Global City Branch

    Rey Manatad
    Claims Head/Global City Branch

    You might also like