PAXSURE (Motor Personal Accident Cover)

This is a very simple cover with a capital benefit or sum insured that will be paid in full following death or disability. The cover is paid in terms of a sliding scale based on the severity of the injury in the case of permanent disablement. There is also medical costs insurance cover that is included to be used to cover such costs resulting from an accident.

One of the main differences between a Personal Accident insurance policy and a Passenger Liability insurance policy is that a Personal Accident policy will respond on a ‘no fault’ basis, which means that it will make payment to an injured passenger regardless of fault. A Passenger Liability policy will only make payment to the injured person where there is legally proven liability as a result of negligence on the part of the insured operator that resulted in injury to the vehicle passenger.

Likewise, any legal action against the operator would not have been successful for the same reason. In the same situation, a Personal Accident policy would pay out in terms of the injured and deceased passengers, despite the fact that there was no fault by the insured.

Typical Example

A typical example of this difference would be a situation where an insured operator with six guests in their vehicle is hit by a third-party vehicle and two of the passengers are injured and one killed. The cause of the accident had nothing to do with the insured operators actions as the third-party vehicle was completely at fault. With a Passenger Liability policy nothing would be paid to the injured or the deceased passenger’s family, as there was no fault on behalf of the insured. Likewise, any legal action against the operator would not have been successful for the same reason. In the same situation, a Personal Accident policy would pay out in terms of the injured and deceased passengers, despite the fact that there was no fault by the insured.

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