Personal accident cover offers compensation for death or injuries sustained in an accident.
Find out whether you need personal accident cover on your car insurance and how to make a claim after an accident.
Personal accident cover is a part of a car insurance policy that compensates you or your family for injuries or death caused by a car accident.
If an accident isn’t your fault, the at-fault person’s insurer will pay out for any personal injury claims.
So personal accident cover will pay out after incidents where you’re deemed to be at fault.
You might not want to think about it, but how would you and your family cope if you were in a serious car accident?
If injuries prevented you from working your income might stop. You could even be faced with a permanent injury or disability.
It’s also important to think about what would happen in the event of your premature death and prepare for the worst if you have a dependant family.
Personal accident cover can give you peace of mind that they’d be financially compensated if you die.
Don't assume that personal injury cover is already included on your car insurance policy, as this often isn’t the case, especially if you don’t have comprehensive cover.
We checked 363 comprehensive car insurance policies on Defaqto and found that 95% included personal accident cover as standard, while a further 1% allowed it to be added as an optional extra.
But it’s a very different story for third party, fire and theft policies. Out of 187 policies checked, only 5% included personal accident cover as standard. It could be added as an optional extra to 22% of policies.
Not all policies have the same level of cover, so you’ll need to look for these details in your policy wording to see exactly what’s included.
Don’t make the mistake of thinking everyone in the car’s covered. Personal accident policies have restrictions, such as covering only the driver and his or her spouse.
Some also place restrictions on age, like only covering people under 80.
What's more your policy will be invalid if you're injured while driving under the influence of alcohol or drugs.
Personal accident cover also excludes some types of treatment – as an example, 92% of the policies checked on Defaqto didn't cover the cost of physiotherapy following an accident.
You’ll also need to check your policy to see if it covers injuries that happen while participating in sports, such as rally driving.
Firstly, get medical treatment for yourself or anyone else who's been hurt. That can involve calling an ambulance and the police to the scene of an accident.
By attending hospital or your doctor's surgery you'll create medical documentation. You’ll need this to support your claim. Keep all your travel receipts and any other expenses too.
Contact your insurance company as soon as possible to report the accident and begin your claim.
If the accident was the fault of another driver, then your claim will be against their insurer. If it's not another party's fault, you'll need to claim against your own personal accident cover.
As each accident is different, the time it takes for an insurance company to pay out varies.
If you’re not happy with their response, take your case to the Financial Ombudsman. You need to give your insurer eight weeks to respond first though.
The first doctor on the scene of the accident can charge a fee for their attendance if they don't work for an NHS hospital.
You won’t have to pay this charge. If the doctor does send you the bill, just pass it on to your insurance company.
However, an injured uninsured driver might have to pay the bill if they cause an accident.
In most cases, a claim for medical expenses won't affect your no-claims bonus.
According to the Association of British Insurers (ABI) in September 2018, personal injury claims have risen 40% in 10 years, despite vehicles becoming safer and road accidents falling by 31%.
The industry and government have cracked down on false and exaggerated claims to make sure genuine claimants receive fair compensation in a new law called The Civil Liability Bill. It's hoped this bill will reduce the cost of car insurance for everyone.
As long as you’re honest about any injuries you’ve received in an accident, you shouldn't be worried about making a personal injury claim.
Last checked 3 June 2021