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Liberty accident insurance ( Castellano )
5 - Scope of the insurance ( Contents )
5. Permanent disability due to an accident
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Rules for the valuation of disability
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- For injuries not included in the previous scale, the degree of disability will be determined by analogy with the provided percentages.
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- The absolute and permanent loss of the use of a limb shall be considered as equivalent to the total loss thereof.
- Anatomical or functional loss of a partial nature will be set proportionally in relation to the absolute loss of the affected organ or member.
- The sum of different partial losses, in regards to one limb or organ, shall not exceed the percentage of indemnity established for its absolute loss.
- The degree of disability, when the same accident causes different injuries to the insured, shall be calculated by adding the percentages corresponding to each injury, the indemnity shall in no case exceed 100% of the sum insured for the permanent disability due to an accident cover.
- If a limb affected by an accident was affected by a physical or functional defect before the accident, the degree of disability shall be determined by the difference between the pre-existing disability and that which was caused by the accident.
- If total permanent disability should be declared after the insurer indemnified the insured for a partial permanent disability resulting from the same accident, the insurer shall indemnify the difference between the indemnified amount and the sum insured for this cover.
6. Total permanent disability due to an accident - monthly annuity