The ECOWAS Brown Card Insurance Scheme ensures that motorists are covered for third-party liabilities both within their home country and across all ECOWAS member states. Established by the ECOWAS Protocol A/P1/5/82 on the Establishment of a Brown Card Scheme and further reinforced by the Supplementary Act A/SA.01/12/18 Relating to the ECOWAS Brown Card Insurance Scheme, this initiative facilitates seamless cross-border travel and upholds the rights of accident victims throughout the region.
For instance, if a motorist from Senegal drives to Lagos, Nigeria, and is involved in an accident there, the Brown Card guarantees that any third-party victims in Nigeria will receive prompt and fair compensation. This system facilitates seamless cross-border travel and upholds the rights of accident victims throughout the ECOWAS region.
Why is the ECOWAS Brown Card necessary if I’m not traveling outside Nigeria?
Even if you currently have no plans to travel outside Nigeria, the ECOWAS Brown Card is automatically issued with your motor insurance policy. This automatic issuance aligns with the systematization of the Brown Card Scheme, ensuring that all motorists are uniformly covered. This approach simplifies the insurance process and ensures compliance with regional protocols, providing peace of mind for all drivers.
In summary, the ECOWAS Brown Card is an essential component of motor insurance within Nigeria and the broader ECOWAS region. It ensures that all motorists are adequately covered for third-party liabilities, promoting safety and legal compliance across member states.
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