Personal accident protection with car insurance is not a good protection

BarelySentientAI

Luke451 said:

So the car insurance covers third party but not damages to people??

For example, you're walking and someone crashes on you, let's say 1y rehabilitation and some permanent injury or little disability, wouldn't pay anything to the person?

You weren't talking about walking and claiming on someone else's insurance.

You were talking about driving and claiming on your own.

These are very different things.

You can't (usually) sue yourself.

DullGreyGuy

Luke451 said:

user1977 said:

Luke451 said:

user1977 said:

Luke451 said:

2nd scenario, not exactly inherently to the car insurance problem, imagine that my income protection would argue that the accident happened with a car, and by that, they have some weird rule that says "driving a car doesn't get cover because you're expected to get covered by the car insurance" (regardless who's at fault AND if the other had an insurance or not), maybe it's even a law who knows...

Does anyone know how it works in this case?

It doesn't work, because that weird rule only exists in your imagination.

So you know the law? Like a lawyer or an AI system fully trained for that?

I am very much like a lawyer who knows the law, yes.

Great, I'm not, so I ask questions.

BarelySentientAI said:

Luke451 said:

BarelySentientAI said:

Hello again Luke!

Still confusing us with posts about insuring income that you don't have?

What is your question here?  It seems like you're asking who pays for your medical care (or maybe entire income) if you have a crash in your car?

I think that most people already understand that your car insurance isn't supposed to pay you for permanent disability.  It's not medical insurance.

And where have you invented this strange "law" that says other insurance doesn't pay out if you happened to be in a car at the time?

I bet that not many people know that in case the other person doesn't have insurance, yours won't pay unless you have that Personal Accident Protection, so it's like a necessary benefit.

On top of that, you need to have an income protection because for permanent damage that affects your job, it will never be enough using the car Accident Protection, and you also need to be employed at that time!

These are all valid considerations, so then I started to make up questions and scenarios.

Anyway, I extended the one with the car up to 100k (I forgot you can do it later), it's not much but better than nothing, I certainly won't touch the car if I'm unemployed.

I think most people know that if the other driver isn't insured that their car insurance will pay for the repairs to their car.

You're confusing two, or maybe three, different types of insurance and inventing unrealistic situations with fake limitations to make yourself worry about it.

Car insurance pays for damage to your car.

Income protection pays if you lose your income.

Critical illness insurance pays if you get a critical illness/injury.

Private medical insurance pays for medical care.

And yes, they will pay out if you have a crash during normal driving activities, whether or not the other person is insured.

So the car insurance covers third party but not damages to people??

For example, you're walking and someone crashes on you, let's say 1y rehabilitation and some permanent injury or little disability, wouldn't pay anything to the person?

People are third partys

You are the first party
Your insurers are the second party
Anyone else involved is a third party