Mr. Chan drove his wife to the supermarket last Sunday. When Mrs. Chan opened the door to get out of the car, the door accidentally hit a child who was running nearby. The child was sent to hospital and stayed there for two days. His mother made a claim against Mrs. Chan. Can the “Third Party Legal Liabilities” section of Mr. Chan’s private motor car insurance policy cover the claim from the child’s mother?

According to the “Third Party Legal Liabilities” section of private motor car insurance policy, the insurance company will “indemnify the Insured and/or any Insured Driver in or getting into or out of the Motor Car against all sums including claimant’s costs and expenses which the Insured and/or such Insured Driver and/or such other person shall become legally liable to pay and other costs and expenses incurred …in respect of (i) death or bodily injury to any person; and/or (ii) damage to property …”

Therefore, the insurance company will indemnify Mr. Chan against any costs and expenses incurred in the above-mentioned accident against third party. 

Some people may think that the Third Party Legal Liabilities section of motor insurance will only provide cover for vehicles moving on the road. In fact, as long as the loss circumstances fulfil the conditions listed out in the policy, the insurance company will honour the claim according to the terms and conditions.

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