What is accidental occupant insurance?
Accidental occupant insurance pays a lump sum in the event of permanent disability and death of the occupants. For a small additional premium, you can co-insure this additional coverage.
As a driver, you are responsible for the other passengers. Even if you pay as much attention as possible, it can still happen that you cause an accident. With passenger accident insurance, you cannot alleviate the personal suffering of the passengers or their relatives. With financial compensation, however, you can ensure that the financial suffering is reduced.
What is paid out in the event of an accident?
Payment follows only in the event of permanent disability or the death of one or more occupants. The payment for permanent disability follows as soon as it is medically determined. In the event of death after an accident, payment is made immediately. The question of fault is not considered. In case of permanent disability, a payment of €15,000 per passenger is made. In the event of death, survivors receive a benefit of €5,000.
How many occupants are insured?
Benefits apply per person. Coverage exists for the number of occupants for which there are seat belts in the van. Therefore, if there are two seat belts in it, the coverage only applies to two people.
Is accidental occupant insurance a useful policy?
The benefit will be insufficient to make up for the financial distress caused by the accident. It is more of an allowance for expenses. In the event of disability, the benefit of €15,000 will be quite insufficient to cover the loss of income for the years until retirement age. Similarly, in the event of death, a benefit of €5,000 will be more than insufficient for the surviving dependents to fill the financial gap caused by the death. For this reason, casualty passenger insurance is a better choice due to its much broader coverage.
Despite the benefit, the injured occupants or their dependents can hold the liable party responsible for the financial distress. This is separate from accident occupant insurance.
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