What is accidental occupant insurance?
The accidental occupant insurance pays out a lump sum in the event of permanent disability and death of the occupants. For a small additional premium, you can insure this additional coverage.
As a driver you are responsible for the other passengers. Even if you pay the best possible attention, it can still happen that you cause an accident. With the accident passenger insurance you cannot take care of the personal suffering of the passengers or the next of kin. With financial compensation, however, you can ensure that the financial suffering is reduced.
What is paid in an accident?
A payment is only made in the event of permanent disability or death of one or more occupants. The payment for permanent disability follows as soon as this has been medically established. In the event of death after an accident, a payment is made immediately. The question of guilt is not considered. In the event of permanent disability, a payment of €15,000 per passenger is made. In the event of death, the surviving dependants receive a payment of €5,000.
How many passengers are insured?
The benefits apply per person. The cover exists for the number of occupants for which there are seat belts in the van. If there are two seat belts, the cover only applies to two persons.
Is the accidental occupant insurance a useful insurance?
The payment will not be sufficient to compensate for the financial suffering caused by the accident. It is more of a contribution towards the costs. In case of invalidity, the payment of €15,000 will be more than insufficient to cover the loss of income for the years until retirement age. In the event of death, too, a payment of €5,000 is more than insufficient to fill the financial gap left by the death. For this reason the passenger indemnity insurance is a better choice due to its much broader coverage.
Despite the payment, the injured passengers or their surviving relatives can hold the liable party responsible for the financial loss. This is separate from the accident passenger insurance.
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