What is motorcycle damage-occupant insurance?
Passenger indemnity insurance pays a sum of money to motorcycle occupants in the event of damage resulting from an accident. It can be material damage and personal injury. Especially for motorcycle insurance, this is a good addition.
As a driver of a motorcycle, you have a great responsibility. Especially if you are also transporting one or two passengers on the motorcycle. You take responsibility with good driving behavior so as not to put yourself and the passenger(s) in unnecessary danger. Still, you cannot completely rule out an accident. After all, you can also be involved in an accident due to mistakes made by other road users.
What does claims-person insurance pay out?
Unlike accident-occupant insurance, damage-occupant insurance pays out the actual damages caused by an accident rather than a one-time lump sum. In personal injury cases, the amount can add up significantly. Imagine, you get into an accident and the 35-year-old passenger becomes permanently disabled. As a result of the injury, he can never work again. He worked as a self-employed worker and sees his income drop to zero all at once. The damages are the loss of income until retirement plus his pension accrual that he misses out on.
Is claims-person insurance really necessary?
In case of injury or property damage, the passenger can hold the person responsible for the damage liable. If the damage was caused by the fault of the driver of the motorcycle, the insurer can be sued for the damage. If the other party is at fault, that insurer can be sued for the damages. Unfortunately, it is often more complex. For example, insurers shift blame to each other. In addition, they are also often lengthy processes.
The situation for the driver of the motorcycle is even different. In fact, the fault for the damage can also lie with the driver of the motorcycle himself. In that case, there is no one to blame for the damage. For the driver of the motorcycle, the passenger indemnity insurance is especially important.
You can save on the premium by opting for accidental occupant insurance. Be aware that the coverage is more limited in important ways. Passenger accident insurance pays for damages caused by the accident. Passenger accident insurance pays only in the event of death and permanent disability. The payout is also only limited to a lump sum (often too low).
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