This page is usually the first part of an insurance policy. It identifies insured persons, risks or assets covered, insurance limits and the insurance period (i.e. the date the policy is in effect). repair. As a result, a compensation and insurance contract must be entered into to ensure that a compensation commitment is financially covered by insurance coverage. The provisions of a compensation and insurance contract are amplified and complemented, but you can get the one adopted before it. For example, if insurance coverage is unable to insure damages against claims because it has expired, you can use the protection claims provisions. However, the contracting parties may agree that the compensation plan applies prior to insurance coverage. Insurance of agreements is necessary in the event of a dispute over whether a particular injury is covered or not. Both the insurance company and the policyholder should be able to determine whether damage is covered from the insurance policy. Although the insurance of the agreements is aimed at resolving these problems, differences of opinion remain on the terms of the insurance agreement. This often results in disputes in which each party presents competing interpretations of the insurance agreement.
The insurance policy is generally an integrated contract, that is, it covers all forms related to the agreement between the insured and the insurer. 10 However, in some cases, additional writings, such as letters sent after the final agreement, may make the insurance policy an un integrated contract. :11 An insurance manual states that, as a general rule, “the courts take into account all previous negotiations or agreements … any contractual clause in the policy at the time of delivery, as well as those who then wrote as political riders and notes … With the agreement of both parties, they are part of the written policy.  The manual also states that policy must refer to all documents that are part of the policy.  Oral agreements are subject to the rule of evidence and cannot be considered part of the directive if the contract appears to be a full right. Promotional materials and flyers are generally not part of a directive.  Oral contracts may be entered into until a written policy is issued.
 This is a summary of the insurance company`s key promises and indicates what is covered. In the insurance agreement, the insurer undertakes to do certain things, such as paying losses for guaranteed risks, providing certain services or defending the insured in liability action. There are two fundamental forms of insurance agreement: exclusions – these policy provisions will set the limits of the coverage promises mentioned in insurance agreements. These provisions are intended for one or more purposes, including the removal of coverage of (1) coverage for losses caused by certain risks, 2) coverage by other insurance companies, 3) coverage of uninsurable losses.