Introduction
Firstly, many drivers do not realize that carrying passengers without proper protection can pose serious risks. Hence, this article explains the risks of carrying passengers without coverage, including examples of denied insurance claims and tips to keep your protection valid. With simple steps, you can drive with confidence and avoid financial issues if an accident occurs.
What Are the Risks of Carrying Passengers Without Proper Coverage?
- No LLOP or LLP Coverage: Some insurance policies do not cover passengers unless specific add-ons are included.
- Denied Claims: If a passenger is injured and you lack coverage, the insurer may reject the claim.
- Legal Liability: Drivers can be fined or sued for negligence if passengers are injured without valid coverage.
Common Situations
- Grab / Ride-Hailing Drivers: Commercial passengers without LLOP/LLP coverage.
- Private Vehicles: Carrying family or friends? The policy still doesn’t cover passengers.
- Rental Vehicles: Some rental companies provide coverage only for the main driver.
How to Reduce Risks
- Check Your Insurance Policy: Ensure it includes LLOP, LLP, or other suitable add-ons for passengers.
- Add Coverage if Needed: For example, BJAK offers add-ons like VIP Rescue for comprehensive drivers.
- Inform Your Insurer About Daily Use: If your vehicle frequently carries passengers, declare this to ensure coverage.
- Keep a Copy of Your Policy: Easy reference in case of claims.
Tips to Avoid Denied Claims
- Never assume occasional passengers have automatic coverage.
- Check coverage for passengers every time you renew your policy.
- Use BJAK or insurers that provide easy passenger add-ons.
Conclusion
Lastly, understanding the risks of carrying passengers without coverage is crucial for all drivers. By reviewing your insurance policy, adding the right protection, and following regulations, you can reduce financial and legal risks in the event of an accident. Proper coverage ensures peace of mind whether carrying family, friends, or commercial passengers.
Read More:
