Blogs Details

• Author: Raymond
• Category: Car Insurance

Does Comprehensive Car Insurance Cover the Driver and Their Family in Case of an Accident?

In Kenya, a standard Comprehensive Car Insurance policy does not provide substantial, comprehensive coverage for the driver and their family (passengers) in the event of injury, disability, or death.

• Primary Focus: Comprehensive cover mainly pays for:
  1. Damage to your vehicle (Own Damage), Fire and Theft
  2. Liability for damages/injuries you cause to the Third Party (the other vehicle, the taxi driver, and their passengers).
• Limited Medical: While most comprehensive policies offer a small allowance for Emergency Medical Expenses for occupants of your vehicle (typically limited, e.g., Ksh 20,000 to Ksh 50,000), this is for immediate treatment only and is not a full personal injury/life cover.

Which Other Cover Should They Add?

The essential cover to add to ensure the driver and their family are protected is Personal Accident (PA) Cover.

This is an affordable, optional add-on that provides a specified sum of money (a "sum assured") for:

1. Death or Permanent Disability to the named driver and/or specified passengers (like family members).
2. Medical Expenses for injuries sustained in the accident, up to the agreed-upon limit.

With PA Cover, the financial burden of a family member's injury is significantly reduced, as the policy pays out regardless of who was at fault.

Claim Progression: Private Car vs. PSV Taxi Accident

Given that both vehicles are comprehensively insured and have an Excess Protector, the claim process for an accident involving a private car (carrying family) and a PSV taxi (carrying 2 passengers) would proceed as follows:

Step 1: Immediate Action & Reporting

• Safety First: Both drivers must prioritize checking for injuries and calling for medical assistance.
• Police Abstract: The accident must be reported to the nearest police station immediately to obtain the mandatory Police Abstract Report. This document is crucial as it indicates which party the police assess to be at fault.
• Notify Broker: Both parties must immediately notify their respective insurance providers or brokers, such as Imana Insurance Agency, providing all details and the Police Abstract.

Step 2: Vehicle Damage Claim (The Role of Comprehensive Cover & Excess Protector)

The comprehensive policies for both vehicles will handle the damage claim based on the Police Abstract:

• If the Private Car is At Fault:
  • Private Car Damage: The private car's insurer pays for the repairs under the "Own Damage" section.
  • The Excess Protector ensures the private car owner pays little to no excess for the claim.
  • PSV Taxi Damage: The private car's Third-Party Liability cover pays for the taxi's repairs.
• If the PSV Taxi is At Fault:
  • PSV Taxi Damage: The PSV's insurer pays for the repairs under the "Own Damage" section. The Excess Protector ensures the taxi owner pays little to no excess.
  • Private Car Damage: The private car's insurer pays for the repairs and then recovers the money from the PSV taxi's insurer (a process called subrogation), as the PSV is the liable party. The private car owner pays no excess.

Step 3: Passenger & Driver Injury Claims (The Role of PA Cover)

This is where the specialized covers come in:

• Private Car Occupants (Driver & Family):
  • The Personal Accident (PA) Cover added to the private car's policy is activated, irrespective of fault.
  • It pays for their medical expenses, death, or disability compensation up to the agreed PA limits.
  • If the PSV was at fault, the PSV's Third-Party Liability cover will also be pursued to compensate the private car occupants for injuries, with the PA cover often acting as the first responder or a top-up.
• PSV Taxi Occupants (Driver & 2 Passengers):
  • PSV Passengers: PSV policies are required to carry Passenger Legal Liability cover. This, along with any optional Group Personal Accident (GPA) Cover the PSV owner may have, will cover the two passengers' medical expenses and compensation for injuries/death.
  • PSV Driver: The PSV driver's injuries are typically covered by the PSV's Personal Accident Cover for the driver (if taken) or by the Third-Party Liability of the car at fault.

Get Covered with Imana Insurance Agency

Navigating an accident claim involving different vehicle classes (private and PSV) requires expert guidance. Imana Insurance Agency helps you find the most competitive, comprehensive car insurance, ensuring you get the critical add-ons like Personal Accident Cover and Excess Protector from the best insurance companies in Kenya.

Talk to us: We're here to take you through the renewal process and secure the protection that suits your needs and budget.

Contact Imana Insurance Agency:

• Call/WhatsApp: +254796209402 or +254745218460
• Website: www.imana.co.ke or www.mykava.co.ke

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