In Germany, it is possible to insure oneself against anything and everything. Whether it makes sense or not, statistics show that Germans are world champions in taking out insurance policies. Time and again, test reports show that many insurance policies are superfluous or overpriced. How does it behave with the passenger accident insurance?
Occupant insurance useful or not?
What is passenger accident insurance?
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Everyone who registers a vehicle in Germany must have third-party liability insurance. This covers damage to persons and property. The amount of insurance is fixed and is measured mainly by the age of the owner and the accident-free time. The insurance can be extended to include various areas. Many have a partial or full insurance policy. Insurance agents often offer insurance for inmates as well. So it is part of the liability insurance for vehicle owners.
In an accident can happen to many parties: The own vehicle, the vehicle of the other party involved in the accident, other objects such as guard rails or street lamps, myself, the driver of the other vehicle and passengers can suffer damage. If you yourself have other people in your vehicle, these are the passengers that passenger insurance covers in the event of a claim . This occurs in the event of an injury or death.
It is possible to insure a certain number of people and also to specify a fixed partial amount in the insurance policy. Either all seats can be insured equally or according to the probability of occupancy. Professional drivers are excluded. You have to take out insurance elsewhere.
If an accident happens, the insurance comes into force if there are passengers in the vehicle with the permission of the driver, the driver is at fault or partially at fault, or an unexpected event occurs. This includes, for example, a wildlife accident. Boarding and alighting, loading and unloading is also insured. It is important that the insurance is linked to a vehicle, not to the vehicle owner.
Do you need this insurance?
Normally no! With many liability insurances for vehicles an insurance of the passengers is already included. If the driver is to blame for the accident, the normal motor vehicle liability insurance takes effect. If the other party is responsible for the damage, its insurance company pays for the damage to occupants. Since a driver must be insured, the insurance will thus pay. Other accidents such as damage caused by game are also covered by car insurance. Thus, there are only a few factors that justify this insurance.
When is the insurance useful after all?
In the event that a cyclist or pedestrian causes the accident and does not have private liability insurance, it can intervene.
This insurance also pays in case of hit and run. Alternatively, however, there is the traffic victim assistance, which can also support.
If an accident happens abroad, payments may not be made in the same amount as in Germany. Also there it is.
What are the alternatives?
Accident insurance covers damages not only in road traffic. If you take out this insurance for yourself and your family, you are comprehensively covered.
Disability insurance takes effect in the event of disability, regardless of how they came about.
How should I decide now?
The Association of Insured Persons believes that insurance for occupants is superfluous. It is second only to death benefit insurance. Also the damage quota underlines this opinion: 80% of the deposited contributions are booked by the insurance companies directly as profit. This means that only 20% is used to cover damages. With a comprehensive motor vehicle liability insurance, accident and disability insurance, you can get through life better overall.
Of course, you can't give a 100% guarantee that passenger insurance will never be needed. Thus, it is a personal decision whether the insurance may be considered useful after all.
It is also important that if you book a rental car or use car sharing, inform yourself about the insurance conditions beforehand.