
- Author: Raymond
- Category: Car Insurance
When the Unexpected Happens on Nairobi Roads
Brian, a disciplined boda boda rider in Nairobi, left Karen for Lang’ata on a Monday morning. Careful with every lane change, he joined the Southern Bypass correctly. But a few kilometers down the highway, disaster struck.
A black Audi tried to overtake, failed, and swerved back into the lane — colliding with Brian’s motorbike. In seconds, Brian and his passenger were lying injured on the tarmac, his motorcycle wrecked, and Audi’s bonnet smashed. A crowd began gathering, tension was rising.
Now what?
1. The Driver’s Dilemma
In Nairobi, mob justice is quick. The Audi driver’s safest move is to rush to the nearest police station before the crowd turns violent. If the mob burns the car, only a comprehensive policy with riot cover can save him.
2. Brian and Passenger’s Reality
- If Brian had PSV Boda Insurance, his passenger’s injuries would be covered.
- If not, the burden shifts to the Audi driver’s insurance.
- Brian himself? Unless he has comprehensive or personal accident cover, he may walk away with nothing but medical bills.
3. Whose Insurance Pays for What?
- Driver’s Car: Covered if comprehensive. Not covered if only TPO.
- Brian’s Bike: Covered if comprehensive. If only TPO, the car driver’s insurer might pay — but expect a long legal battle.
- Injuries: Paid under third-party liability of the at-fault vehicle.
4. The Bigger Picture
Accidents happen fast. Crowds gather faster. Only insurance makes recovery possible. Without it, Brian and his passenger would face financial ruin, and the driver would lose both car and peace of mind.
👉 Moral of the story: Whether you’re driving a car or riding a boda, get proper insurance. Comprehensive for cars. PSV for bodas. Peace of mind is priceless when chaos hits the highway.
5. Claim Reporting (Cause of Accident)
When filling out claim forms, the car driver would write:
“While attempting to overtake another vehicle, I swerved back into my lane and collided with a motorcycle.”
Brian would report:
“Motorcycle was hit from behind by overtaking vehicle that failed to complete maneuver.”
Consistency matters — insurers reject “cooked” stories.
Accidents are unpredictable. Crowds are unforgiving. But insurance? That’s your shield.
✅ Comprehensive = Your car + other people.
✅ PSV Boda Insurance = Your passenger + you.
✅ Third-Party Only = Cheapest but limited.
Don’t gamble with fate. Cover yourself properly.
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