Understanding the Coverage: What is personal accident insurance?

Personal accident insurance is a coverage benefit that is part of your comprehensive car insurance plan. It covers the medical expenses of the driver and his or her passengers should an accident happen while on the road. If you have a personal accident car insurance coverage, you and your passengers will be reimbursed for medical expenses due to injuries, medications, and treatments. In some cases, this coverage also includes death.


Personal Accident Insurance Quotes: How much is the coverage?




Insurance Claims: How do I make a personal accident insurance claim?

There are common procedures when making claims for personal accident insurance.


What are the requirements for a personal accident insurance claim

Requirements in attending to claims following an accident includes a copy of your personal accident car insurance policy and official receipt. You will need to file a police report and take a picture of the damaged part of the vehicle, including the car’s license plate. You will also need a photo of the whole car, including the license plate.

Following the incident, you will need a notarized affidavit from the insurance company, including a written declaration of the sequence of events to make sure the personal accident claim is complete. If injuries have taken place, a medical certificate is also needed, as well as receipts and prescriptions. In claiming, you must have a copy of birth certificate, marriage certificate (if applicable), a certificate of employment, and in the case of death, a death certificate, and receipt of funeral bills.


How to make a claim for personal accident insurance

Before filing with the insurance company, you need to call the police for proper documentation. Contact your personal accident insurance provider as soon as possible for proper assessment of the damages. Once that is out of the way, you will be asked to submit documents and requirements. You may seek help in doing this with your insurance provider, including those of medical receipts, certificate, and hospital bills. The insurance company will reimburse you, up to the limit of your paid coverage.


Compare personal accident insurance online: Why choose GoBear?

With numerous car insurance companies offering personal accident insurance coverage, how will you find the perfect one for your needs? Find the best deal through online tools like GoBear. GoBear offers a simple and unbiased way for you to compare personal accident car insurance products online for free, so you can make the right decision. Learn more about GoBear and our services by checking our FAQ page.