Rights of the Injured in Car Accidents to Claim Against Insurance Companies in claiming insurance companies according to Jordanian law
1. The injured party in car accidents has the right to claim against the insurance company, based on the claim document submitted to the insurer.
2. The insurance company is obligated to compensate third parties for any amounts that the insured is liable to pay as damages, and determines its liability for compensation according to specific principles, including conditions stated in the insurance policy and as decided by courts under laws or regulations.
3. The injured party has the right to directly claim compensation from the insurance company according to mandatory insurance provisions and recognized legal texts. This includes Article 13 (b) and Article 3 of the same system, in addition to Article 17 of the mandatory insurance system which states the right of the injured party to make a direct claim.
4. The insurance company is committed to compensating the injured party according to the specific cases defined in Article 9, paragraph 2, by paying the specified amounts based on instructions issued by the Director General of the Insurance Authority. There is no possibility to negotiate reducing the specified liability limits in the instructions, although it is possible to agree to increase those limits for an additional premium.
5. For a direct lawsuit from the injured party against the insurance company, the following conditions must be met:
- The injured party must have fulfilled their rights from the insured party.
- The insured party must be included as a defendant in the lawsuit if they do not agree with the liability or the amount of compensation claimed.
- If the injured party chooses to file the lawsuit against the insurance company alone, the lawsuit will be dismissed if the conditions for a direct lawsuit are not met.