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.
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.
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"I told the police that I was not injured, but on
removing my hat I found that I had a fractured
skull." |
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Extracts taken from actual claim
forms submitted to
a number of UK car insurance companies |
Next.....
UK Car Insurance - No Claims Discount (NCD)
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