Inseless accident insurance for the car: is it worth it?

Addition to car insurance

Casual accident insurance: is that worth it?

If you drive a car, you need car insurance. The occupant accident insurance is a possible addition to protecting all travelers. But is it absolutely necessary?

When an accident happens to several occupants in the vehicle, the vehicle liability for damage to the passengers arises. However, occupant accident insurance is often offered as an addition. Read in the guide why they exist and what the consumer center says.

The occupant accident insurance applies if a car accident is indebted by third parties that cannot be determined. For example, when people throw stones on the car on the passage under a motorway bridge and thus violate the car. Or if pedestrians or cyclists cause the accident, but cannot be determined afterwards or have no liability insurance.

The same applies if the accident by a “inevitable event”about an animal that suddenly jumps onto the street is caused. In such cases, traffic victims would not pay, for example, since the accident was not caused by a vehicle.

The occupant accident insurance can also be useful abroad: foreign liability insurance, such as the rental car, often perform less than in Germany; Insasse protection can arise for the difference.

Basically, occupant accident insurance for transport and treatment costs, pays benefits in the event of death or disability as well as pain and suffering.

The Lower Saxony Consumer Center holds the occupant accident insurance “in most cases superfluous”. It justifies this with the fact that in the event of accidents with self-fault, all collectors and passengers are already protected by the liability of the vehicle owner. Instead, if it is an externally indebted accident, the liability insurance of the polluter must pay for the costs.

The only difference is that the driver does not receive any benefits in an accident if he has debated it himself. If he was injured, the health insurance company will receive the follow -up costs of the treatment. The occupant accident insurance, on the other hand, only applies in (above) extreme cases.

It is also important to note: an occupant accident insurance usually does not pay unlimited, but they determine an insurance sum (general or per inmate exactly) in advance. This can be six digits, but is often well below the several million euros, which automotive liability insurance generally cover.

Since the occupant accident insurance only provides limited benefits and a large part is covered by the vehicle liability, other policies are more worthwhile, according to the consumer center. If you want to secure yourself against the financial damage after an accident, you have private accident insurance and/or occupational disability insurance (BU) as an option.

Consumer advisers are classified as often superfluous by consumer advocates, since it only applies in rare extreme cases and the benefits are otherwise covered by other insurance companies. You should consider whether you can be considered for you: According to the insurance broker, Dr. Klein makes the vehicle insurance more expensive by 50 to 120 euros a year.