Accident insurance together with motor TPL insurance

Since 5 March 2012, Salva Kindlustus provides an option to supplement the motor TPL insurance policy with an accident insurance for the driver who causes the accident.


What is the purpose of this new insurance product?

Mandatory motor TPL insurance provides no material security for the driver who causes the accident. Legislation provides the compensation of his medical treatment expenses to the treatment facility, but the driver himself receives no compensation (insurance does not cover his medical rehabilitation, the purchase of medicinal products, etc.).

For whom is the accident insurance together with motor TPL insurance designed?

The conclusion of this new complex policy is voluntary and meant for the clients who conclude (or have already concluded) a motor TPL insurance contract with Salva.
The accident insurance contract covering the driver who causes the accident can be concluded together with the motor TPL insurance policy of Salva or added to such a policy that was formerly concluded.

Insurance contract/policy does not identify the insured person by name – the insured person is the driver who causes an accident with a vehicle that is covered by Salvaÿs motor TPL insurance policy and also by Salvaÿs accident insurance contract.

Insured event shall mean the permanent disability or death caused to a driver by a traffic accident during the insurance period, if the driver himself caused the accident and the vehicle was covered by Salvaÿs valid motor TPL insurance policy together with accident insurance policy. 
 

Traffic accident

• Traffic accident (traffic loss) shall mean the causing of losses with an insured vehicle pursuant to the Motor Third Party Liability Insurance Act.
• Traffic accident shall also include the collision with an object (tree, wild animal, etc.) or lane departure crashes (into a ditch, etc.), irrespective of the presence of other road users.

Types and limits of compensation

Types of compensation include compensation for permanent disability and compensation for death.

Compensation is paid if the injury or death was caused by a traffic accident to the driver who caused the accident.

Compensation for permanent disability is paid in case the traffic accident causes permanent personal injury. Compensation for permanent disability is a single payment for an accident, expressed as a percentage of the agreed compensation limit for permanent disability.

Compensation for death is paid to successors of the driver in case of fatal traffic accident or if the driver dies within a year from the accident.