Everything you need to know about PII (Personal Injury Insurance) and personal injury
A traffic accident can have serious consequences, especially if you are responsible for the accident. In such cases, it can be difficult to obtain compensation because there is often no other party to hold accountable. Fortunately, a PII (Personal Injury Insurance) is the solution. In this article, we discuss what PII is, what coverage it offers, and how you can claim your personal injury.
What is PII (Personal Injury Insurance)?
The acronym PII stands for Personal Injury Insurance. This insurance covers both the driver and the passengers of a motor vehicle for personal injury resulting from a traffic accident. This is especially useful in the event of single-vehicle accidents or when the driver is at fault for the accident, because there is no other party to hold accountable in these situations.
PII only compensates for personal injury, not car damage. To cover car damage, you need a comprehensive insurance. PII is not mandatory like liability insurance (LI), but it can be purchased for a relatively low premium.
What does PII cover?
A PII offers coverage for a wide range of damage items in case of personal injury. This includes:
- Medical costs such as hospital treatments, rehabilitation, and therapies.
- Own contributions and own risk of your health insurance.
- Loss of income due to temporary or permanent disability.
- Household help costs if you are unable to perform these tasks due to your injuries.
- Travel expenses for medical appointments and treatments.
- Pain and suffering compensation for emotional distress, pain and sorrow as a result of the accident.
Important: A PII compensates both the driver’s and passengers’ personal injury, regardless of who is at fault for the accident.
Difference between PII and PAI (Personal Accident Insurance)
There is often confusion between a PII and a PAI (Personal Accident Insurance). It’s important to understand the difference:
- PII: Compensates the actual personal injury of both the driver and the passengers. This can include medical costs, loss of income, and pain and suffering compensation.
- PAI: A sum insurance that pays a fixed amount in case of permanent disability or death, regardless of the actual damage. The amount of compensation depends on the degree of disability and the insured sum.
Example:
Let’s say you had an accident where you sustained a whiplash. With PII, you receive compensation for your medical costs, loss of income and pain & suffering compensation, for example, €25,000. With PAI, you may only receive a percentage of the insured sum, depending on the degree of permanent disability.
When can you claim personal injury through PII?
You can claim personal injury through your PII in the following cases:
- In a single-vehicle accident: For example, due to slippery roads, a flat tire, or swerving to avoid crossing wildlife.
- If you caused the accident yourself: For example, by failing to yield right of way or having a rear-end collision.
- If the other party does not acknowledge liability: For example, in an accident abroad or when the question of guilt is unclear.
Free legal help with personal injury
If you have had a traffic accident, we recommend you to seek legal help when claiming your personal injury. A personal injury lawyer ensures that you get the maximum compensation. The cost of legal assistance can be recovered from the insurer, making this help free of charge for you.
At Arslan & Arslan Advocates, we are happy to help you submit your claim to the PII insurer. We ensure that your claim is handled properly and that you get what you are entitled to.
How does claiming personal injury work with a PII?
When you want to claim personal injury from your PII, it is important to realize that the insurer becomes your counterparty. They will have to compensate your damage. Submitting a claim is not much different from a regular personal injury claim, but there are a few things you need to keep in mind:
- Burden of proof: You remain responsible for providing the evidence. So make sure you fill out a (one-sided) damage form and collect witness contact data.
- Legal costs: You can claim the costs of a personal injury lawyer from the insurer. This means that you can use our services to claim your compensation without any additional costs.
Why Arslan & Arslan Advocates?
At Arslan & Arslan Advocates, we have years of experience with claiming personal injury from traffic accidents and occupational accidents. Our specialized personal injury lawyers are ready to help you and ensure that your rights are protected.
We offer you:
- Free legal assistance: The costs for our services are covered by the insurer.
- Personal guidance: We make sure you stay fully informed about the progress of your case.
- Maximum compensation: Our legal experts make sure you get what you are entitled to.
Contact us for free advice
Do you have questions about personal injury after a traffic accident or do you want to know how to claim your PII? Then contact us today for free and non-binding legal advice.
We are happy to help you further and make sure you get the compensation you are entitled to.
