difference between accident passenger insurance and casualty passenger insurance?
Both are passenger insurance policies that you can purchase as a supplement to your auto insurance policy. Accidental occupant insurance is a sum insurance policy. Sum insurance means that benefits are based on predetermined amounts. If a passenger - as a result of an accident - dies or suffers permanent disability, a benefit follows. This is not insurance that pays for the entire claim.
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The indemnity passenger insurance is a non-life insurance. The actual damage suffered is compensated with this insurance. The determination of that damage takes place in the same way as liability insurance. The difference lies in the fact that non-life passenger insurance pays out regardless of who is at fault for the accident. Thus, the at-fault driver also receives compensation under the passenger indemnity insurance.
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Accidental occupant insurance |
Indemnity insurance for occupants |
| Pays a lump sum of the agreed amount in the event of death and permanent disability (total or partial) | Pays for all actual property damage and personal injury sustained in the accident, provided such damage is not compensated on another insurance policy (in the alternative) and up to the insured amount |
| Sum insured discussed and determined in advance (in case of partial and permanent disability not the full sum insured but a percentage thereof after examination by occupational expert and in accordance with the Gliedertaxe) | All actual damages (in the alternative) suffered by the occupants up to a maximum of 1 million euros |
| Psychological injury is not covered | Usually, grief/psychic injury is included in the insurance policy |
| Payment is independent of who(s insurer) may be liable for the collision. One can hold the (insurer of the) tortfeasor liable, and that insurer may not deduct the OI benefit in compensation. | Actual damages are paid and insurer can recover the damages paid from the (insurer of the) liable party |
| No relationship between amount paid and actual damages suffered | Distributed damages are those actually suffered and proven damages |
In addition to accident occupant insurance and passenger indemnity insurance, there are other supplementary insurances. Click here for more info.
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