CMFAS PGI Motor Insurance question: accident injuring a third party

CMFAS PGIMotor Insurance

A motor policy excludes liability arising while the driver is under the influence of alcohol or drugs above the legal limit. If an intoxicated insured causes an accident injuring a third party, what is the likely position on the compulsory third-party injury cover?

A The injured third party has no recovery, because the policy exclusion applies to all claims
B The insurer pays the injury claim and the insured's own car damage in full, as usual
C The injury claim is paid by the insured's NCD protector rather than by the insurer
D The insurer may still have to meet the third party's claim but can recover from the insured

Show the answer and explanation

Answer: D. The insurer may still have to meet the third party's claim but can recover from the insured

Compulsory third-party injury protection is designed to safeguard victims; the insurer may meet the third party's claim yet exercise recovery rights against the drink-driving insured, whose own cover is prejudiced.

Common mistake

Exclusions bite between insurer and insured; the compulsory nature of injury cover still protects the innocent third party.

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Answer: D. The insurer may still have to meet the third party's claim but can recover from the insured

Common mistake

Exclusions bite between insurer and insured; the compulsory nature of injury cover still protects the innocent third party.

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Original study material mapped to the public CMFAS PGI syllabus. Unofficial, not endorsed by MAS or SCI. Verify figures and rules against current guidance before relying on them.

CMFAS PGI Motor Insurance question: accident injuring a third party

Answer: D. The insurer may still have to meet the third party's claim but can recover from the insured

Common mistake

Related CMFAS PGI questions

CMFAS PGI Motor Insurance question: accident injuring a third party

Answer: D. The insurer may still have to meet the third party's claim but can recover from the insured

Common mistake

Related CMFAS PGI questions