The Management Board of the Lower Silesian Chamber of Agriculture proposes to amend the regulations on agricultural crop insurance so that they exclude the possibility of including provisions in contracts that deprive farmers of protection and allow insurance companies to avoid liability.
These are all kinds of tricks that exclude the insurer's liability to a certain extent or in certain circumstances. A farmer concluding a contract is often not aware of them, but they deprive him of the right to compensation, even though he was not responsible for the damage to the crop and the farmer could not have prevented it. As we read in the application of the Lower Silesian local government to the National Council of Agricultural Chambers, "this type of exclusions appear in the mandatory insurance conditions of many entities conducting insurance activities."
As DIR argues, the regulations on agricultural crop insurance were created to protect farmers, but the list of situations in which they can count on compensation from the insurance policy is in fact very narrow. "In the opinion of the DIR Management Board, it is unacceptable that the farmer should be deprived of insurance compensation even though he did not contribute in any way to the damage," we read in the letter from local government officials.
Therefore, the Chamber proposes to amend the Act on crop and livestock insurance in such a way that any provisions excluding the insurer's liability in situations where the damage was not the result of the farmer's negligence would be prohibited in the policies offered and invalid by law.
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