What is accidental occupant insurance?
Accidental pillion insurance is certainly recommended when insuring your scooter. This additional insurance pays out an amount in case of permanent disability or death of one or two passengers as a result of an accident.
A scooter accident often does not stop at property damage. Injuries may be limited to scrapes, but with a little bit of bad luck, you may be left with permanent injuries. An accident can affect your entire life.
What does passenger accident insurance pay out?
A benefit of €5,000 follows in the event of death and a benefit of €22,500 in the event of permanent disability. These amounts apply per passenger. The benefit for permanent disability is not paid until it is established that the injury causes permanent disability. It can therefore take quite some time before the insurer pays the amount. In the event of death as a result of an accident, payment follows quickly.
What if there is a discussion about the cause of the damage?
After damages, it can take years to complete the claim settlement. Especially if injuries were also caused by the accident. The payment from the passenger accident insurance does not depend on the question of guilt. As soon as permanent disability is established, payment follows. The same can be said about the death benefit for one of the passengers.
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