Accidental occupant insurance: what exactly does it entail?

Explanation of Occupant Accident Insurance (OI).

Suppose you are involved in an accident as the driver of a car.
The occupants of the car become permanently disabled. Or even die.

Coverage:

Occupant accident insurance pays a fixed amount (named in the policy) to the occupant(s) or next of kin after an accident:

• Upon death, the amount included in the policy (fixed and prearranged) is paid in full.
• If the occupant becomes totally disabled, the amount included in the policy will be paid in full.
• For partial disability, the insurer pays a percentage (determined by an expert and based on the Gliedertaxe)
• In and around the vehicle: The insurance coverage applies when the occupants are in the car, as well as while getting in and out, and for example while performing emergency repairs on the road. The policy terms will tell you exactly what is covered.
• The driver himself is also insured!
• The insurer does not look at exactly how much damage someone suffers; thus, there is no relationship between the amount paid out and the actual damage suffered.
• When it comes to occupant accident insurance, the stated number of seats is important.
• It does not matter if the driver is liable for the accident.

No coverage:

• If the driver does not have a valid driver's license;
• If the driver was under the influence of (too much) alcohol or drugs;
• If participated in a race or other speed drive;
• If a private car was used as a cab;
• For psychological injury

If there are more occupants in the vehicle than insured, the underinsurance rule is applied: Insured number of seats divided by the number of occupants times the sum insured.

What is the Gliedertaxe

The Gliedertaxe is a chart which is included in the policy of an accident passenger insurance policy. It contains a list of senses and body parts. Behind each enumeration a percentage is given by a doctor or specialist. This percentage indicates to what extent the person is permanently disabled (with regard to that specific part).

What is the Difference between accident passenger insurance and passenger indemnity insurance?

In addition to passenger accident insurance, you can also purchase passenger indemnity insurance. While these two insurance policies are similar, they are distinct and can be taken out in addition to each other.

Accidental occupant insurance is a sum insurance policy. Sum insurance means that benefits are based on predetermined amounts. If a car occupant becomes permanently disabled or dies in an accident, compensation is paid. This is a predetermined amount; the insurance does not compensate the entire damage.

The indemnity passenger insurance is an indemnity insurance. With this insurance, the actual damage suffered is compensated, not just a fixed amount. As with passenger accident insurance, the insurer pays out, regardless of who is at fault for the accident. See here in detail the differences between passenger indemnity insurance and passenger accident insurance.