The car insurance information contained within these pages is based on information supplied by The Claims Guru, a site packed with useful information about the inner workings of insurance companies and their products.
Policy Clauses - Personal Injury and Medical Expenses
This is limited personal accident insurance and is very similar to those free certificates you sometime now receive with the 'junk mail'. It is very simple. If you, or your partner are killed in an accident, or lose a limb or an eye whilst in your car, you (or your estate) will receive a lump sum, irrespective of who is to blame for the accident.
"An invisible car came out of nowhere, struck my car and vanished."
Extracts taken from actual claim forms submitted to
a number of UK car insurance companies
The amount you receive is specified in the policy wording. There is 'small print' relating to self inflicted injury, drugs and drink and so on. If you need this sort of protection then I suggest you look into a proper personal accident policy or find out about a suitable life assurance product.
Claims staff sometimes forget about this part of the policy. So if you are entitled to claim on this section, remind them!
Some comprehensive policies provide for limited private medical expenses. Very few claim, but then the amounts covered are so small that you would not be able to buy much treatment for the cash available. If someone else was responsible for the accident then you could obtain private medical treatment and submit this as part of your uninsured losses.
